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Finally got my non subprime card

Regular Contributor

Finally got my non subprime card

I love these forums but anywhoo just applied for a citi credit card and received instant approval with credit limit of 3900. Surprised heck out of me. Tried Chase and they said they have to review it so I will call in morning and I tried capitol one who flat out denied me. Currently I have a 300 First Premier which I will be closing as soon as I get the new card, 600 Orchard Bank, and a 500 Capitol One so don't know why they denied me. Ohh I did also just get a car loan for 28000 this week and a mortgage in April so I am going to cool my jets for a while. I just wanted a card that I didn't have to pay a fee per month just to have or an annual fee. I have come a long way from last July when all my scores were in 500s. So just wanted to say thanks you guys for all your help and information. 


Starting Score: EQ 603~TU 613
Current Score: EQ 763~TU 706
Goal Score: 810


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Regular Contributor

Re: Finally got my non subprime card

Congrats on the approval! Sounds like a big step up from your current cards. I tried for Citi myself and had no luck. Which card did you app for?

Starting Score: TU 718 - EQ 665 2010
Current Score: TU 765 (3/2013) - EQ 748 (3/2013)- EX 781 (Mortgage Pull 12/14/11)
Goal Score: TU 750 - EQ 750 I MADE IT!


Message 2 of 5
Regular Contributor

Re: Finally got my non subprime card

The Platinum Select Mastercard. I meant to apply for the Citi Forward but did the wrong app. I just wanted one that wasn't the usual one everyone qualifies for. I dont use credit cards but I want to continue to build my credit. When did u apply?


Starting Score: EQ 603~TU 613
Current Score: EQ 763~TU 706
Goal Score: 810


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New Contributor

Re: Finally got my non subprime card

Good job! Must be a wonderful feeling!

Message 4 of 5
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Regular Contributor

Re: Finally got my non subprime card

Congratulations! I hope to be right behind you with a "grownup" card. Been fighting the battle a long time! Enjoy the feeling!


Starting Score: 550
Current Score: 673 EQ, 681 TU, 650 EX
Goal Score: 720

Update April 1: TU 615/EQ624
Update June 28: TU 641/EQ 626
Update Sept 21: TU 681, EQ 673, EX 650 (FAKO)
I FINALLY got that car at the rate I wanted! Thanks, FICO Forums!

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