topic Re: Citizens Bank Cash Back Plus in Credit Card Approvals

Citizens Bank Cash Back Plus

Anonymous — Sun, 05 Sep 2021 21:25:39 GMT

I’ve been in search for a back-up to my Capital One QS—a no-AF, no-FTF, cashback card. Since all of my cards are Visas, I decided to set my sights on a Mastercard. I looked into a handful of products that have been highly recommended on these forums. Unfortunately, #1 I couldn’t be a member of (NFCU cashRewards), #2 charges FTF (Citi Double Cash), #3 reinstated FTF (PayPal Cashback), and #4 doesn’t give full cashback value on statement credits (SoFi Credit Card).

Luckily, #5 seemed to fit the bill. Today, I received a text notifying that my app is approved. The SUB is $150 after $500 spend within 3 months, plus 0% APR on BT for 15 months (4% fee). I have no prior relationship with Citizens Bank.

SL: $18,000

APR: 15.99%

Application Date: 08/27/2021

CRA: Equifax

HP/SP: Hard Pull

FICO 8: 799 (as of 06/29/2021)

Inquiries: 0/24 (Equifax only)

New Accounts: 0/6, 1/12, 1/24

Utilization: 8% (not AZEO)

AAoA: 8 years, 5 months

AoOA: 14 years, 6 months

AoYA: 11 months

Income: $53K (household)

Location: California

*Edit - APR updated

Re: Citizens Bank Cash Back Plus

arunkumarmm — Sun, 05 Sep 2021 00:20:54 GMT

Congrats on the approval!!! Nice starting limit..

Re: Citizens Bank Cash Back Plus

KingRue8500 — Sun, 05 Sep 2021 00:25:03 GMT

Congrats on your Citizens Bank Cash Back Plus approval

Re: Citizens Bank Cash Back Plus

mrcraft — Sun, 05 Sep 2021 00:35:30 GMT

Congratulations on your approval!!

Re: Citizens Bank Cash Back Plus

gdale6 — Sun, 05 Sep 2021 00:53:08 GMT

Excellent SL, grats on the CItizens bank approval

Re: Citizens Bank Cash Back Plus

CreditAggie — Sun, 05 Sep 2021 01:07:17 GMT

Congratulations on your Citizens Bank approval!

Re: Citizens Bank Cash Back Plus

Elpadrino1 — Sun, 05 Sep 2021 01:28:35 GMT

Congratulations on your approval and awesome SL!!

Re: Citizens Bank Cash Back Plus

Total80sKid — Sun, 05 Sep 2021 05:06:43 GMT

Congrats on your Citizens Bank approval 👍🏼

Re: Citizens Bank Cash Back Plus

cashorcharge — Sun, 05 Sep 2021 06:04:38 GMT

That’s terrific! Congratulations on your Citizens Bank approval!! 👏🏼🎉🍾

I don't recall reading much about their products here...Thanks for the DP's

Re: Citizens Bank Cash Back Plus

Anonymous — Sun, 05 Sep 2021 13:58:58 GMT

Congrats !

Re: Citizens Bank Cash Back Plus

Anonymous — Sun, 05 Sep 2021 14:22:55 GMT

Thanks, everyone! This is the first time that my app went to (underwriting?) review so the wait definitely made me second-guess my decision to go with Citizens. I'm glad they liked me enough.

Re: Citizens Bank Cash Back Plus

BearsCubsOtters — Sun, 05 Sep 2021 14:46:28 GMT

Congrats! It is nice to see cards that are not mentioned here as often like this.

Strange that Citizens was allowed to keep that Royal Bank of Scotland logo....(I know, I know, Smorgasboard).

Re: Citizens Bank Cash Back Plus

cashorcharge — Sun, 05 Sep 2021 17:55:43 GMT

@Anonymous wrote:
Thanks, everyone! This is the first time that my app went to (underwriting?) review so the wait definitely made me second-guess my decision to go with Citizens. I'm glad they liked me enough.

Outside of CU's....I don't find a lot of banks that pull EQ only for CA/West Coast residents. They (most banks) always hammer EX so this is good to know.

Re: Citizens Bank Cash Back Plus

Anonymous — Sun, 05 Sep 2021 21:40:21 GMT

Thanks! I forgot to mention that I also gave the Apple Card a serious consideration. I’m just not sure if I’ll be able to take full advantage of Apple Pay for the 2% cashback at stores that I usually frequent. At the lesser 1.8% cashback, the Cash Back Plus seems more “universal” to me (*thumbs up* on the RBS shoutout!).

@BearsCubsOtters wrote:
Congrats! It is nice to see cards that are not mentioned here as often like this.

Strange that Citizens was allowed to keep that Royal Bank of Scotland logo....(I know, I know, Smorgasboard).

Re: Citizens Bank Cash Back Plus

Anonymous — Sun, 05 Sep 2021 21:39:46 GMT

It surprised me too. Definitely good to have all these options.

@cashorcharge wrote:
@Anonymous wrote:
Thanks, everyone! This is the first time that my app went to (underwriting?) review so the wait definitely made me second-guess my decision to go with Citizens. I'm glad they liked me enough.
Outside of CU's....I don't find a lot of banks that pull EQ only for CA/West Coast residents. They (most banks) always hammer EX so this is good to know.

Re: Citizens Bank Cash Back Plus

SPChaser — Mon, 06 Sep 2021 07:02:56 GMT

Congrats on Citizen success!