topic Re: PayPal Cashback MC and Citi Double Cash in Credit Card Approvals

PayPal Cashback MC and Citi Double Cash

Anonymous — Tue, 07 Apr 2020 15:00:46 GMT

Prior to these approvals, I only had two cards: Amex Everday ($500) and TD Cash ($3k). After TD reduced my limit from 5k to 3k, I was in the market for another card. PayPal gave me a SL of $1k and Citi gave me a SL of $6.2k.

Current Scores: EQ - 729/ TU - 711/ EX - 690

Hopefully, these new cards will grow over time. Amex and TD have not shown me any love over the past two years. With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now.

Re: PayPal Cashback MC and Citi Double Cash

Anonymous — Tue, 07 Apr 2020 15:05:50 GMT

Congrats on your new cards.

Re: PayPal Cashback MC and Citi Double Cash

CreditAggie — Tue, 07 Apr 2020 15:06:00 GMT

Congratulations on your approvals and welcome to the forums!

Re: PayPal Cashback MC and Citi Double Cash

gdale6 — Tue, 07 Apr 2020 15:12:32 GMT

Great double play, congrats

Re: PayPal Cashback MC and Citi Double Cash

AllZero — Tue, 07 Apr 2020 15:18:32 GMT

Congratulations on your approvals!

Re: PayPal Cashback MC and Citi Double Cash

Anonymous — Tue, 07 Apr 2020 15:36:39 GMT

Congratulations on both of your approvals!

Re: PayPal Cashback MC and Citi Double Cash

M_Smart007 — Tue, 07 Apr 2020 15:59:20 GMT

Welcome To myFICO Forums and

Re: PayPal Cashback MC and Citi Double Cash

Anonymous — Tue, 07 Apr 2020 16:32:33 GMT

@Anonymous wrote:
Prior to these approvals, I only had two cards: Amex Everday ($500) and TD Cash ($3k). After TD reduced my limit from 5k to 3k, I was in the market for another card. PayPal gave me a SL of $1k and Citi gave me a SL of $6.2k.

Current Scores: EQ - 729/ TU - 711/ EX - 690

Hopefully, these new cards will grow over time. Amex and TD have not shown me any love over the past two years. With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now.

It doesn't matter if you have a flawless record with those creditors. You said last month that you have a 30 day late on a credit card and 60 day late on a personal loan. Your creditors soft pull your reports and they can see your actions with other creditors. It leads me to believe that is why your other limit got chopped and why the floodgates won't open for you as far as credit limits.

Re: PayPal Cashback MC and Citi Double Cash

Anonymous — Tue, 07 Apr 2020 16:50:50 GMT

@Anonymous wrote:
... With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now.

Indignation + dirty file /= recipe for credit-seeking success.

Congrats on your two new cards.

Re: PayPal Cashback MC and Citi Double Cash

Anonymous — Tue, 07 Apr 2020 17:26:40 GMT

@Anonymous wrote:
@Anonymous wrote:
Prior to these approvals, I only had two cards: Amex Everday ($500) and TD Cash ($3k). After TD reduced my limit from 5k to 3k, I was in the market for another card. PayPal gave me a SL of $1k and Citi gave me a SL of $6.2k.

Current Scores: EQ - 729/ TU - 711/ EX - 690

Hopefully, these new cards will grow over time. Amex and TD have not shown me any love over the past two years. With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now.
It doesn't matter if you have a flawless record with those creditors. You said last month that you have a 30 day late on a credit card and 60 day late on a personal loan. Your creditors soft pull your reports and they can see your actions with other creditors. It leads me to believe that is why your other limit got chopped and why the floodgates won't open for you as far as credit limits.

The post you're referring to was from last year not last month. I disputed those errors and it was resolved in my favor. Prior to the dispute, I believe my credit card scores were in the low 600s.

Re: PayPal Cashback MC and Citi Double Cash

Anonymous — Tue, 07 Apr 2020 17:25:52 GMT

@Anonymous wrote:
@Anonymous wrote:
... With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now.
Indignation + dirty file /= recipe for credit-seeking success.

Congrats on your two new cards.

Clean file and no indignation, seriously confused. I made less than 30k most of my adult life and figured I'd get higher CL as my income increased but I guess that's not how it works. I still have a lot to learn.

Re: PayPal Cashback MC and Citi Double Cash

Anonymous — Tue, 07 Apr 2020 17:18:52 GMT

Congratulations on your approvals! 👍

Re: PayPal Cashback MC and Citi Double Cash

Creditmakhi — Tue, 07 Apr 2020 19:38:23 GMT

excellent approvals... DC is the best congrats

Re: PayPal Cashback MC and Citi Double Cash

Anonymous — Tue, 07 Apr 2020 19:53:21 GMT

Congrats on your new cards!

Re: PayPal Cashback MC and Citi Double Cash

Mr_Mojo_Risin — Tue, 07 Apr 2020 21:03:28 GMT

Nice double hit! Congrats!

Re: PayPal Cashback MC and Citi Double Cash

Anonymous — Tue, 07 Apr 2020 21:39:28 GMT

Congrats on your PayPal MC and Citi DC approvals!

Re: PayPal Cashback MC and Citi Double Cash

Openwater — Wed, 08 Apr 2020 01:00:45 GMT

Clean file and no indignation, seriously confused. I made less than 30k most of my adult life and figured I'd get higher CL as my income increased but I guess that's not how it works. I still have a lot to learn.

Congrats and welcome to the forums. This place is all about learning. The rules to credit aren't always rules that sync up with common sense. Hang around a while and you'll pick up a thing or 2 to get down the road to credit sucuess. All the best, cheers!

Re: PayPal Cashback MC and Citi Double Cash

cr101 — Wed, 08 Apr 2020 01:42:20 GMT

Congrats! And, yes, I bet they'll grow for you. We have similar scores. I have derogs in my file, too. I started PPMC w 1k and got a 3X CLI after 3 months. I hear that CLI every 3 months is typical w them.

Citi offers SP CLI, but, according to my denials, they're inquiry sensitive. The letters mention EQ as the bureau pulled. Just an FYI.

Good luck!

Re: PayPal Cashback MC and Citi Double Cash

Anonymous — Wed, 08 Apr 2020 01:51:29 GMT

Congrats iiilliilllii!

Jeez thats a tricky one to spell....

Re: PayPal Cashback MC and Citi Double Cash

19eighty5 — Wed, 08 Apr 2020 02:37:14 GMT

Congratulations on your approvals!