topic Re: citi Shop Your Way Mastercard approval in Credit Card Approvals

citi Shop Your Way Mastercard approval

ptatohed — Fri, 29 Jul 2022 22:29:46 GMT

I've been thinking about the citi Shop Your Way card for not that long (I usually plan my next card months or years in advance, this was only a few weeks, lol) but the more I researched it, the more I decided it was a good next card for me.

I applied today. Very simple 4-page application. I got to the end, submitted, and a screen came up with a reference # and a phone # to call. I called. Turns out I was dumb and forgot to unfreeze Experian. Doh! I unfroze and called back.

I was approved which I am super stoked about, but I am a little bummed my credit line is only $4,000 - the lowest of all my cards. AOD was my lowest at $5,000 but all my other cards have 5-fig CLs.

I think I know what it is. My otherwise perfect credit has a pretty bad recent stain on it from a medical bill that went to collections that I refuse to pay (don't agree with the bill). In fact, my score on Experian when I went to thaw my credit was only 741 (usually in the 800s).

Bummer but I'll make due with the $4,000 CL for now and enjoy the card.

I don't recall ever being asked net income but the application did. I played dumb and put my gross income of $150,000/yr.

They wouldn't let me add my wife as an AU at this time, he said I have to wait for the physical card, then call back. Odd.

$225 statement credit intro bonus with $1500 spend in 90 days.

5% back (in points) on gas all year, 3% for grocery and dining all year (up to $10k annual spend combined). No true cash back redemption unfortunately but they offer gift card redemption at full % value, and is powered by raise.com so there is a wide variety of retailers to choose from, including WalMart. But I've read the real honey is with the targeted bonus offers which look like they have been pretty plentiful and generous with lately. I hope I am lucky to receive these offers.

https://www.shopyourway.com/card

Re: citi Shop Your Way Mastercard approval

PapaTunde — Fri, 29 Jul 2022 22:34:16 GMT

Congrats on your approval

Re: citi Shop Your Way Mastercard approval

KingRue8500 — Sat, 30 Jul 2022 00:42:58 GMT

Congrats on your Citi Shop Your Way MC approval

Re: citi Shop Your Way Mastercard approval

Credit4Growth — Sat, 30 Jul 2022 03:49:31 GMT

🍻 Way to go! Congratulations!

Re: citi Shop Your Way Mastercard approval

CreditAggie — Sat, 30 Jul 2022 05:03:26 GMT

Congratulations on your Citi approval!

Re: citi Shop Your Way Mastercard approval

babygirl1256 — Sat, 30 Jul 2022 13:30:05 GMT

Congrats on your Citi Shop Your Way Mastercard approval.

Re: citi Shop Your Way Mastercard approval

TheBoondocks — Sat, 30 Jul 2022 17:29:56 GMT

Congrats on the card. Could you link it to your citi account now?

Re: citi Shop Your Way Mastercard approval

ptatohed — Sat, 30 Jul 2022 20:37:48 GMT

@TheBoondocks wrote:
Congrats on the card. Could you link it to your citi account now?

Thanks. I don't have the physical card yet, nor have I created on-line access to the SYW card yet but I have done some research. If by link you mean link TY points, the answer is no. I guess there was a time when you could and if I understand correctly, those (lucky) people are still grandfathered. But, currently, the SYW card doesn't provide TY points. As far as linking the SYW card to other citi cards when you log in, I will have to report back once I receive the card and set up online access. Maybe someone else has a better answer.

Re: citi Shop Your Way Mastercard approval

cashorcharge — Mon, 01 Aug 2022 04:40:13 GMT

WooHoo!! Congratulations on your Approval!!👏🏼🍾🥂

Re: citi Shop Your Way Mastercard approval

Sspartan — Mon, 01 Aug 2022 16:49:13 GMT

The targeted bonus offers that are what make this one of my favorite cash back cards. Here is the one I received last month.

Re: citi Shop Your Way Mastercard approval

ptatohed — Mon, 01 Aug 2022 19:49:43 GMT

@Sspartan wrote:
The targeted bonus offers that are what make this one of my favorite cash back cards. Here is the one I received last month.

That's awesome, thanks for sharing Ss. And this is stackable on top of the regular 5% and 3% points, right?

Re: citi Shop Your Way Mastercard approval

Sspartan — Mon, 01 Aug 2022 20:13:12 GMT

@ptatohed wrote:
@Sspartan wrote:
The targeted bonus offers that are what make this one of my favorite cash back cards. Here is the one I received last month.

That's awesome, thanks for sharing Ss. And this is stackable on top of the regular 5% and 3% points, right?

Yes, you still get the regular cash back 5% and 3% in points. plus the targeted bonus in statement credits. When I used this card for gas last month I was getting 15% back in statement credits and another 5% back in points that I have used to get Amazon and Wal-Mart gift cards. The offer I have this quarter limits the statement credits to $90 a month but that changes with each offer received.I have also had different targeted spend bonus offers sent in the same quarter that overlap and stack as well. I think one was for using the card for online transactions.

Re: citi Shop Your Way Mastercard approval

ptatohed — Mon, 01 Aug 2022 20:09:37 GMT

@Sspartan wrote:
@ptatohed wrote:
@Sspartan wrote:
The targeted bonus offers that are what make this one of my favorite cash back cards. Here is the one I received last month.

That's awesome, thanks for sharing Ss. And this is stackable on top of the regular 5% and 3% points, right?

Yes, you still get the regular cash back 5% and 3% in points, plus the targeted bonus in statement credits. I have also had different targeted spend bonus offers sent in the same quarter that overlap and stack as well. I think one was for using the card for online transactions.

Thanks again. Can I ask you real quickly about how the gift card redemption process works? It's through raise. So, do you get to select from any gift cards on the regular Raise site? And do you get the same gift card discount you see on raise.com? Thanks.

Re: citi Shop Your Way Mastercard approval

Sspartan — Mon, 01 Aug 2022 20:18:48 GMT

@ptatohed wrote:
@Sspartan wrote:
@ptatohed wrote:
@Sspartan wrote:
The targeted bonus offers that are what make this one of my favorite cash back cards. Here is the one I received last month.

That's awesome, thanks for sharing Ss. And this is stackable on top of the regular 5% and 3% points, right?

Yes, you still get the regular cash back 5% and 3% in points, plus the targeted bonus in statement credits. I have also had different targeted spend bonus offers sent in the same quarter that overlap and stack as well. I think one was for using the card for online transactions.
Thanks again. Can I ask you real quickly about how the gift card redemption process works? It's through raise. So, do you get to select from any gift cards on the regular Raise site? And do you get the same gift card discount you see on raise.com? Thanks.

Download the SYW MAX app. It makes it very easy to track points and redeem for alot of different types of cards. Plus they have missions that allow you to make even more points with your purchases.

Re: citi Shop Your Way Mastercard approval

coldfusion — Wed, 03 Aug 2022 01:26:11 GMT

@ptatohed wrote:
@TheBoondocks wrote:
Congrats on the card. Could you link it to your citi account now?

Thanks. I don't have the physical card yet, nor have I created on-line access to the SYW card yet but I have done some research. If by link you mean link TY points, the answer is no. I guess there was a time when you could and if I understand correctly, those (lucky) people are still grandfathered. But, currently, the SYW card doesn't provide TY points. As far as linking the SYW card to other citi cards when you log in, I will have to report back once I receive the card and set up online access. Maybe someone else has a better answer.

At one point it was possible in many cases to convert a Citi/Sears Mastercard into the TYP earning variant but Citi stopped allowing that a couple of years ago.

Shop Your Way online account access still links through the Citi Retail Services portal. Citibank announced early this year their intent to consolidate their core and Retail Services portals into a single online access point but that hasn't happened yet (and I haven't seen an announced date for its release) so don't be surprised if you initially aren't able to use a single access point to manage all your Citi cards.

Re: citi Shop Your Way Mastercard approval

fullacrobat5 — Wed, 03 Aug 2022 03:48:55 GMT

Congratulations on your approval!!

Re: citi Shop Your Way Mastercard approval

coldfusion — Wed, 03 Aug 2022 19:42:58 GMT

@Sspartan wrote:
@ptatohed wrote:
@Sspartan wrote:
The targeted bonus offers that are what make this one of my favorite cash back cards. Here is the one I received last month.

That's awesome, thanks for sharing Ss. And this is stackable on top of the regular 5% and 3% points, right?

Yes, you still get the regular cash back 5% and 3% in points. plus the targeted bonus in statement credits. When I used this card for gas last month I was getting 15% back in statement credits and another 5% back in points that I have used to get Amazon and Wal-Mart gift cards. The offer I have this quarter limits the statement credits to $90 a month but that changes with each offer received.I have also had different targeted spend bonus offers sent in the same quarter that overlap and stack as well. I think one was for using the card for online transactions.

Can confirm all of this. I have a TYP-earner so the payout of most offers is structured differently (usually bonus TYP, occasionally as a statement credit) but the general principle is identical including the ability for a single purchase to count toward multiple promotions. Given the number of targeted promotions that Citi has been offering since late last year a number of us have been in some cases be able to have gas, grocery, restaurant, or online purchases each count towards at least 3 overlapping bonus offers.

Re: citi Shop Your Way Mastercard approval

ptatohed — Wed, 03 Aug 2022 20:59:41 GMT

@coldfusion wrote:
@Sspartan wrote:
@ptatohed wrote:
@Sspartan wrote:
The targeted bonus offers that are what make this one of my favorite cash back cards. Here is the one I received last month.

That's awesome, thanks for sharing Ss. And this is stackable on top of the regular 5% and 3% points, right?

Yes, you still get the regular cash back 5% and 3% in points. plus the targeted bonus in statement credits. When I used this card for gas last month I was getting 15% back in statement credits and another 5% back in points that I have used to get Amazon and Wal-Mart gift cards. The offer I have this quarter limits the statement credits to $90 a month but that changes with each offer received.I have also had different targeted spend bonus offers sent in the same quarter that overlap and stack as well. I think one was for using the card for online transactions.
Can confirm all of this. I have a TYP-earner so the payout of most offers is structured differently (usually bonus TYP, occasionally as a statement credit) but the general principle is identical including the ability for a single purchase to count toward multiple promotions. Given the number of targeted promotions that Citi has been offering since late last year a number of us have been in some cases be able to have gas, grocery, restaurant, or online purchases each count towards at least 3 overlapping bonus offers.

Ok, if I wasn't excited enough before, now I officially am. I have my son check the mail every day at 3pm, lol.

Re: citi Shop Your Way Mastercard approval

ptatohed — Wed, 10 Aug 2022 02:53:17 GMT

If anyone is interested, I app'd on Fri 07-29 and received the card Sat 08-06. Right in that '7 to 10 day' window. I set asside some time tonight to read everything it came with, register the card online, explore the SYW site, download the SYW MAX app, etc.

Re: citi Shop Your Way Mastercard approval

Bill77 — Wed, 14 Sep 2022 15:51:14 GMT

Your experience and DofC inspired me to apply and I got approved yesterday. Thanks! I did have to call in and verify some of the same information that I had already submitted in the online app but it only took 2 minutes. I got 1 email confirming approval but otherwise seems like there's no SYW account access until the physical card and paperwork shows up.