Credit Cards

[charyot77]

I probably shouldn't have applied because I've already been approved for 3 cards this week but I decided to go for one more app (so much for gardening) with Citi.  

I applied for the Citi Dividend Card because I want to dump my Capital One "No Hassles Rewards" cash back card (I tried to close it today but they offered to waive the annual fee). I currently don't have any casback cards. 

I thought this app was crazy because I pretty much burned Citi 10 years ago to the day with a charge off (about $2k).

I guess enough time has passed as they instantly approved me for a Citi Dividend card with $3,000 limit.

Now Im really done for good and I'm actually worried. I know that Barclays is inq sensitive as is Merricks.  With my new limits however, I can probably stand to lose those two cards.   

EDIT: my EXP is 699.

[asteroidblues86]

Congrats! Enjoy the card.

[angelnyc]

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charyot77 wrote:

I probably shouldn't have applied because I've already been approved for 3 cards this week but I decided to go for one more app (so much for gardening) with Citi.  

I applied for the Citi Dividend Card because I want to dump my Capital One "No Hassles Rewards" cash back card (I tried to close it today but they offered to waive the annual fee). I currently don't have any casback cards. 

I thought this app was crazy because I pretty much burned Citi 10 years ago to the day with a charge off (about $2k).

I guess enough time has passed as they instantly approved me for a Citi Dividend card with $3,000 limit.

Now Im really done for good and I'm actually worried. I know that Barclays is inq sensitive as is Merricks.  With my new limits however, I can probably stand to lose those two cards.   

EDIT: my EXP is 699.

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When you say they are inq. sensitive,  you mean they are current cards you have and because of the recent inqs they may all of sudden shut you down?

[bichonmom]

Congrats! I just got mine in the mail today. I also had a CO w/Citi back in the 80s and didn't think I could ever get one again. It's nice to have a second chance.

[charyot77]

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angelnyc wrote:

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charyot77 wrote:

I probably shouldn't have applied because I've already been approved for 3 cards this week but I decided to go for one more app (so much for gardening) with Citi.  

I applied for the Citi Dividend Card because I want to dump my Capital One "No Hassles Rewards" cash back card (I tried to close it today but they offered to waive the annual fee). I currently don't have any casback cards. 

I thought this app was crazy because I pretty much burned Citi 10 years ago to the day with a charge off (about $2k).

I guess enough time has passed as they instantly approved me for a Citi Dividend card with $3,000 limit.

Now Im really done for good and I'm actually worried. I know that Barclays is inq sensitive as is Merricks.  With my new limits however, I can probably stand to lose those two cards.   

EDIT: my EXP is 699.

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When you say they are inq. sensitive,  you mean they are current cards you have and because of the recent inqs they may all of sudden shut you down?

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Yes, that is exactly what I mean. I've had the Barclays card for more than 6 months so hopefully they won't mind but prey are notorious for closing accounts if they see too many recent inqs, as is Merricks (pyramiding).

[Shogun]

Congrats!

[DVH1980]

Barclays seems hit or miss with the new account freak out. Ive opened 6 new accounts after Barclays and received 2 CLI in that time.

[Scuba]

Its nice to see Citi's memory lasts only 30 years

That means I will be in their good graces in 2038.

Will we be using credit cards in the year 2038?

[CruzImperial]

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Scuba wrote:

Its nice to see Citi's memory lasts only 30 years

That means I will be in their good graces in 2038.

Will we be using credit cards in the year 2038?

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lols!

[charyot77]

Well my charge off was only for 10tears so maybe youwant have to wait so long.