Credit Card Center Advertiser Disclosure†
08-26-2013 07:40 AM - edited 08-26-2013 08:41 AM
First post, and yes just like everybody else, prior to my first post I was a lurker O_O
Just applied for the Citi Divivend card about 45 minutes ago and got approved for $7200 with their lowest rate LOL. I was so pumped of the high credit limit, I was like F it, let me try to catch a big fish, and BAMMM I got approved for Amex Blue Cash Preffered (I have no idea what the limits is at the moment). Prior to that, the highest limit I had on my credit card (Capitol One) was $700.
I have no student loans, or car loans on any of my credit reports (never had any) The only other account I have on my report are for household utility bills (Light and Gas)
I have no idea what my real FICO credit scores are, or which Credit report CITI and Amex pulled, but I do have a free score.com paid account, and the FAKO scores are Transunion 744, Experian 764, Equifax 754
Oh, and my AAAO is 3 years and 9 months, and utility is at 1%
I also have a checking account with citibank, I'm not sure if that helped with me getting such a high credit limit, but I'm a happy camper
Update: Amex BCP was approved for $2000, interest rate is 12.5%
Here are my approval screen shots
08-26-2013 07:45 AM
08-26-2013 08:06 AM
Congratulations! That definitely counts as a good day!
08-26-2013 08:18 AM
I feel you about the app itch, cause I had one for about a month now LOL
Just called Amex, I got approved for $2000, which is understandable given that the highest limit on my current credit card is $700. Patiently waiting for 61 more days
08-26-2013 09:34 AM
Now you have us Gardeners wanting to app again. Errr.
08-26-2013 09:41 AM
Cngrats bro! I am trying to decide whether I should wait a few months and pc my bce to bcp, or just app for the bcp and try to transfer my available credit from the bce to the bcp....congrats on the citi too! A Great day indeed sir.
08-26-2013 10:05 AM
I was torn between the BCE and BCP, but the huge difference in cash back percentage, and the $250 sign up bonus made the BCP to good of an offer to pass up even with the annual fee. I can always PC to the BCE later on and avoid the annual fee if I chose to do so.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.