Reply
Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011
0

Citi Dividend Platinum Visa acceptance!!

Well, right after I post in the gardening for October thread, I couldn't resist app'ing. 

 

Applied for Discover Student, got denied. Called backdoor for recon but the lady wouldn't budge. She said my accounts were too new and I needed some more history.

 

After this I just said "screw it" the damage has been done (hard pull), might as well try for Citi while I'm at it....applied for Dividend Platinum Visa for College Students and wasn't instantly approved. Though I did get a page before my decision page prompting me to sign up for online banking, payment protection, etc. so I was going to have a meltdown if they lead me on and don't approve!

So I got to the approval page and it said they needed more info...so I did a little online chat thingy and they verified a few things (identity and the like) and about 5 minutes later the rep comes back and WHAM! Approved with $4,000 CL!!!!!! :smileysurprised: This blows my $300 Cap1 cards and $500 CU card totally out of the water! My jaw literally almost hit the floor I couldn't believe it. I thought even if I got approved it'd be for $1k or under but $4,000??? YES PLESE!

 

Just recently had a collections deleted...my denied message from Discover said I had a 713 TU FICO. 

 

I'm so happy! Should be recieving my card in about a week! Thanks to everyone here for all the information; this site really is amazing!

Photobucket
Moderator Emeritus
tinuviel
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Citi Dividend Platinum Visa acceptance!!

Congrats!!!!! Great approval and starting CL!!! Woo hoo!!!! :smileyvery-happy:


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Contributor
Elated
Posts: 89
Registered: ‎06-13-2008
0

Re: Citi Dividend Platinum Visa acceptance!!

That is wonderful Florida State 12...congrats!:smileyhappy:

Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: Citi Dividend Platinum Visa acceptance!!

Great CL Congrats !!




Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011
0

Re: Citi Dividend Platinum Visa acceptance!!

Thanks guys! I'm still in disbelief...I don't think I'll actually believe until I have the card in my hands. :smileyvery-happy:

Photobucket
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: Citi Dividend Platinum Visa acceptance!!

Do you know what bureau they checked?




Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011
0

Re: Citi Dividend Platinum Visa acceptance!!


CS800 wrote:

Do you know what bureau they checked?


No, sorry, they didn't say and I didn't think to ask. 

 

Seems the only time a lender tells you your score and where they got it is when you get denied lol

Photobucket
Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011
0

Re: Citi Dividend Platinum Visa acceptance!!

HOLY CRAP! Just applied for AMEX Zync and got instantly approved!!!! :smileysurprised:

 

I'm starting to think someone is playing a cruel, cruel joke on me!

Photobucket
Super Contributor
CS800
Posts: 6,552
Registered: ‎04-07-2008
0

Re: Citi Dividend Platinum Visa acceptance!!

Man you're on a roll !!

 

Your EX is FICO?




Established Contributor
FloridaState12
Posts: 614
Registered: ‎08-24-2011
0

Re: Citi Dividend Platinum Visa acceptance!!


CS800 wrote:

Man you're on a roll !!

 

Your EX is FICO?


That was my FICO when I had a collections a while back...I'm guessing it has went up substantially!

Photobucket

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}