topic Re: Truist Enjoy Cash Visa Cold App Approved in Credit Card Approvals

Truist Enjoy Cash Visa Cold App Approved

Waldemar — Thu, 07 Dec 2023 05:25:45 GMT

I opened a Truist Enjoy Cash secured visa with Truist over a year ago and discovered that they don't automatically upgrade or graduate secured cards. As a result, I've been consistently checking the Truist site for credit card pre-approval offers, but I have yet to have any luck. I received a pre-approval two months ago but decided not to apply; I figured I would get another chance. But, my streak of no pre-approvals persisted after that. However, three days ago, I got tired and applied without pre-approval for the Truist Enjoy Cash 3/2/1% Option.

Today, I received an email confirming my approval for a $5,000 limit. I plan to wait a few weeks before closing my secured Truist Enjoy Cash Visa, which currently has a $500 limit. I'm just happy to close a card with such a small limit and have this new one to replace it. Now, I wonder if it's going to be a Visa Signature.

Screenshot 2023-12-07 at 12.19.34 AM.png

Re: Truist Enjoy Cash Visa Cold App Approved

M_Smart007 — Wed, 06 Dec 2023 17:30:06 GMT

Congratulations on your Approval 🎉

Re: Truist Enjoy Cash Visa Cold App Approved

Creditwiser — Wed, 06 Dec 2023 17:34:41 GMT

Congrats on your Truist approval !

Re: Truist Enjoy Cash Visa Cold App Approved

alextercero — Wed, 06 Dec 2023 18:06:48 GMT

Congrats on the Approval!

Re: Truist Enjoy Cash Visa Cold App Approved

CreditMagic7 — Wed, 06 Dec 2023 18:14:07 GMT

Congratulations on your new unsecured Truist Card approval

Re: Truist Enjoy Cash Visa Cold App Approved

gdale6 — Wed, 06 Dec 2023 18:19:22 GMT

Very nice, enjoy the new card!

Re: Truist Enjoy Cash Visa Cold App Approved

NoMoreDebt — Thu, 07 Dec 2023 00:38:00 GMT

Congrats on your approval

Re: Truist Enjoy Cash Visa Cold App Approved

youngandcreditwrthy — Thu, 07 Dec 2023 00:48:33 GMT

@Waldemar wow this looks like a great card.. was wondering what your score is like? I might wanna get this card!
Do they require that you have a banking relationship? even their secured card looks decent!

Re: Truist Enjoy Cash Visa Cold App Approved

Waldemar — Thu, 07 Dec 2023 01:00:06 GMT

@youngandcreditwrthyCurrently, my FICO scores hover in the low 700s. While I maintain both a checking and savings account, it's not a requirement for obtaining a credit card. But yes, their secured card is a strong option even with its $19.00 annual fee.

Re: Truist Enjoy Cash Visa Cold App Approved

CreditAggie — Thu, 07 Dec 2023 05:18:57 GMT

Congratulations on your Truist approval!

Re: Truist Enjoy Cash Visa Cold App Approved

BigBS — Thu, 07 Dec 2023 14:39:15 GMT

Congrats on the approval!

Re: Truist Enjoy Cash Visa Cold App Approved

dpizzler — Mon, 29 Apr 2024 17:57:48 GMT

Congrats on the approval. When you received your card, was it a Visa Signature? I just applied and got approved for the Enjoy Beyond card and got a SL of $11,400.00, hoping it will be a Visa Signature.

Re: Truist Enjoy Cash Visa Cold App Approved

markbeiser — Mon, 29 Apr 2024 18:07:31 GMT

@youngandcreditwrthy wrote:
@Waldemar wow this looks like a great card.. was wondering what your score is like? I might wanna get this card!
Do they require that you have a banking relationship? even their secured card looks decent!

With no prior banking relationship with them, Truist approved me for the Enjoy Cash and Future cards, both with $5k limits, when my scores were in the 700 range.
They bumped the Enjoy Cash up to $20k this year when my scores were >800. but no love for the Future card.

Re: Truist Enjoy Cash Visa Cold App Approved

Waldemar — Mon, 29 Apr 2024 18:16:11 GMT

Yep. Visa Signature.

Re: Truist Enjoy Cash Visa Cold App Approved

Waldemar — Tue, 30 Apr 2024 16:28:56 GMT

Are those limit increases soft or hard pull?

Re: Truist Enjoy Cash Visa Cold App Approved

markbeiser — Thu, 02 May 2024 01:13:21 GMT

@Waldemar wrote:
Are those limit increases soft or hard pull?

Truist does hard pulls from Equifax for CLIs.