My weakness got the best of me today, but thought I'd at least share some data points for others considering these cards. Planning on buying some living furniture and plan a vacation for the holidays so these will fit in nicely 
Starwood Preferred Guest AmEx
-25k Starwood Points for $3k in 3 months
-Credit Limit $5,000
-SoftPull EX FICO 8 = 759
-8inq last 12mo
-No Baddies
-Wasn't sure if it would be thrown into some review since I just CLI'd my BCP to $25k and also have an ED at $5,300. This is my 3rd revolver (also have a PRG). I've read posts about reaching a $34.5k threshold but I'm not 100% sure how that works and if I'm flirting with danger lol
Citi Simplicity World MasterCard
-0% Purchases & 0% BT for 21mo, 15.49% after
-Credit Limit $5,000
-Hard pull EQ FICO 8 = 685 (not sure which version they used though)
-6inq last 12mo
-1 baddie (open lien, it's not on EX or TU)
-this is my 2nd Citi card, currently have a DC with a $4,200 limit (just recently got my first CLI for $500 after 20 months so I was pleased to see the new approval for $5k).
I applied thinking Citi would pull EX as they always for my new apps and wouldn't have applied if I knew they'd use EQ. Its my lowest score and I was a bit surprised they approved $5k with only a 685. No complaints here!
Starwood Preferred Guest AmEx
-25k Starwood Points for $3k in 3 months
-Credit Limit $5,000
-SoftPull EX FICO 8 = 759
-8inq last 12mo
-No Baddies
-Wasn't sure if it would be thrown into some review since I just CLI'd my BCP to $25k and also have an ED at $5,300. This is my 3rd revolver (also have a PRG). I've read posts about reaching a $34.5k threshold but I'm not 100% sure how that works and if I'm flirting with danger lol
Citi Simplicity World MasterCard
-0% Purchases & 0% BT for 21mo, 15.49% after
-Credit Limit $5,000
-Hard pull EQ FICO 8 = 685 (not sure which version they used though)
-6inq last 12mo
-1 baddie (open lien, it's not on EX or TU)
-this is my 2nd Citi card, currently have a DC with a $4,200 limit (just recently got my first CLI for $500 after 20 months so I was pleased to see the new approval for $5k).
I applied thinking Citi would pull EX as they always for my new apps and wouldn't have applied if I knew they'd use EQ. Its my lowest score and I was a bit surprised they approved $5k with only a 685. No complaints here!
Great job on those approvals, be very wary of living furniture it just might come back to bite you in the arse
@AverageJoesCredit wrote:
Great job on those approvals, be very wary of living furniture it just might come back to bite you in the arse
So far in the past week, we have had a thread started by a deceased person and another thread about living furniture....
All this while the eclipse is upon us, Coincidence???
LOL goes to show how one word makes all the difference lol
Lol, so true!. It drives me crazy typing on my smartphone especially after you hit post. I love it when whole words that you know you were thinking never made it to the post
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