topic Re: Citizens Everyday Points® Business Mastercard® **Approval in Business Credit

Citizens Everyday Points® Business Mastercard® **Approval

M_Smart007 — Wed, 01 Dec 2021 20:10:52 GMT

**Citizens Everyday Points® Business Mastercard® **Approval $4,000.00

Not a US Bank approval (But did not expect it to be)

Applied = Tue, Nov 30 at 6:16 PM

Approved = Wed, Dec 1 at 10:17 AM

Applied as a "DBA" with very limited less than 1 year history.

(Although I do have a LLC with long history and 8 figure revenue.)

DBA has less than $900K in annual revenue

I want to build credit for the "DBA" Venture.

Absolutely NO relationship with Citizens Bank.

Did NOT require one single document. (not even to upload driver's license)

Equifax "SP" to Personal Credit. (My worst out of all 3 CB's)

DP's

Personal EQ
Vantage 3.0 = 740 (as of today)
EQ F8 = 762 (my lowest FICO score out of all 3 CB's.)

EQ F9 = 786 (On 11-3-2021 / NFCU)

Thick aged (personal) file

8 NEW Personal Accts. in/12 months
LOL OVER 30/24 NEW Accts.
14/12 Inqs
28/24 Inqs
AoYRA = Oct 19, 2021 (Alliant CU)
AAoA = 3.2 years
AoOA = 38 years
0% Aggregate Utilization (According to EQ)
4 CC's and one PL reporting balances

73 accounts currently reporting

No BK's, CO's, REPO's or Lates/Baddies
No Mortgage (None on CR)
No Open Car Loans. (5 reporting as paid)

Debt Summary (as of 12-1-2021)
Credit card and credit line debt
$4,133
Self-reported account balance(s)
$0
Loan debt
$25 (for open loan credit mix)
Collections debt
$0
Total debt
$4,158

(click image to enlarge)(click image to enlarge)(click image to enlarge)(click image to enlarge)(click image to enlarge)(click image to enlarge)

Tagging @cashorcharge on this one.

Re: Citizens Everyday Points® Business Mastercard® **Approval

cashorcharge — Wed, 01 Dec 2021 20:16:00 GMT

Great job @M_Smart007 !!! Love these easy pick ups! Congratulations!!!

It'll be interesting to see how these grow if at all. Haven't tempted that yet.

A great start for your DBA!! Well done my friend! Cheers!

Re: Citizens Everyday Points® Business Mastercard® **Approval

4sallypat — Wed, 01 Dec 2021 20:55:39 GMT

Congrats!

A good card to have for SP.

Re: Citizens Everyday Points® Business Mastercard® **Approval

Five6Two — Thu, 02 Dec 2021 01:04:58 GMT

Congrats! I applied last night and was hoping to hear today, maybe some good news tomorrow! If not, then at least it was a SP attempt

Re: Citizens Everyday Points® Business Mastercard® **Approval

M_Smart007 — Thu, 02 Dec 2021 01:26:25 GMT

@cashorcharge wrote:
Great job @M_Smart007 !!! Love these easy pick ups! Congratulations!!!
It'll be interesting to see how these grow if at all. Haven't tempted that yet.
A great start for your DBA!! Well done my friend! Cheers!

@cashorcharge, Its all your fault

Re: Citizens Everyday Points® Business Mastercard® **Approval

M_Smart007 — Thu, 02 Dec 2021 01:28:45 GMT

@4sallypat wrote:
Congrats!

A good card to have for SP.

@4sallypat, Thanks for your DP's as well.

Very simple "painless" process, hard to believe the less than 24 hour approval.

Re: Citizens Everyday Points® Business Mastercard® **Approval

M_Smart007 — Thu, 02 Dec 2021 01:32:55 GMT

@Five6Two wrote:
Congrats! I applied last night and was hoping to hear today, maybe some good news tomorrow! If not, then at least it was a SP attempt

@Five6Two, Thanks!

As long as you blame @cashorcharge or @4sallypat and not me

At least it is only a "SP"

nothing ventured >> nothing gained.

Please keep us updated on your progress?

Re: Citizens Everyday Points® Business Mastercard® **Approval

cashorcharge — Thu, 02 Dec 2021 02:14:24 GMT

@M_Smart007 wrote:
@cashorcharge wrote:
Great job @M_Smart007 !!! Love these easy pick ups! Congratulations!!!
It'll be interesting to see how these grow if at all. Haven't tempted that yet.
A great start for your DBA!! Well done my friend! Cheers!
@cashorcharge, Its all your fault

HAHAHAHA!! It's contagious..

Re: Citizens Everyday Points® Business Mastercard® **Approval

Rebuild2019 — Thu, 02 Dec 2021 02:29:34 GMT

Congratulations 🎊🎈🎉 on your approval

Re: Citizens Everyday Points® Business Mastercard® **Approval

M_Smart007 — Mon, 13 Dec 2021 21:12:23 GMT

Citizens Everyday Points® Business Mastercard® Arrived in today's mail. 12/13/2021

I like the Chip & PIN ..Also very secure web log-In

Now to spend $5K for that 3.5% back in rewards

(click image to enlarge)

Re: Citizens Everyday Points® Business Mastercard® **Approval

mikeef — Wed, 05 Jan 2022 16:44:50 GMT

@M_Smart007 wrote:

**Citizens Everyday Points® Business Mastercard® **Approval $4,000.00

Not a US Bank approval (But did not expect it to be)

Applied = Tue, Nov 30 at 6:16 PM
Approved = Wed, Dec 1 at 10:17 AM

Applied as a "DBA" with very limited less than 1 year history.
(Although I do have a LLC with long history and 8 figure revenue.)
DBA has less than $900K in annual revenue
I want to build credit for the "DBA" Venture.

Absolutely NO relationship with Citizens Bank.
Did NOT require one single document. (not even to upload driver's license)

Equifax "SP" to Personal Credit. (My worst out of all 3 CB's)

DP's
Personal EQ
Vantage 3.0 = 740 (as of today)
EQ F8 = 762 (my lowest FICO score out of all 3 CB's.)
EQ F9 = 786 (On 11-3-2021 / NFCU)
Thick aged (personal) file
8 NEW Personal Accts. in/12 months
LOL OVER 30/24 NEW Accts.
14/12 Inqs
28/24 Inqs
AoYRA = Oct 19, 2021 (Alliant CU)
AAoA = 3.2 years
AoOA = 38 years
0% Aggregate Utilization (According to EQ)
4 CC's and one PL reporting balances
73 accounts currently reporting
No BK's, CO's, REPO's or Lates/Baddies
No Mortgage (None on CR)
No Open Car Loans. (5 reporting as paid)
Debt Summary (as of 12-1-2021)
Credit card and credit line debt
$4,133
Self-reported account balance(s)
$0
Loan debt
$25 (for open loan credit mix)
Collections debt
$0
Total debt
$4,158

Tagging @cashorcharge on this one.

They didn't do a hardpull? That's impressive, are you sure they didn't do it after they processed it, (I've had that happen before)? Also, did you have any reports locked when you did it?

Thanks!

Re: Citizens Everyday Points® Business Mastercard® **Approval

M_Smart007 — Thu, 06 Jan 2022 11:22:18 GMT

@mikeef wrote:
@M_Smart007 wrote:

**Citizens Everyday Points® Business Mastercard® **Approval $4,000.00

Not a US Bank approval (But did not expect it to be)

Applied = Tue, Nov 30 at 6:16 PM
Approved = Wed, Dec 1 at 10:17 AM

Applied as a "DBA" with very limited less than 1 year history.
(Although I do have a LLC with long history and 8 figure revenue.)
DBA has less than $900K in annual revenue
I want to build credit for the "DBA" Venture.

Absolutely NO relationship with Citizens Bank.
Did NOT require one single document. (not even to upload driver's license)

Equifax "SP" to Personal Credit. (My worst out of all 3 CB's)

DP's
Personal EQ
Vantage 3.0 = 740 (as of today)
EQ F8 = 762 (my lowest FICO score out of all 3 CB's.)
EQ F9 = 786 (On 11-3-2021 / NFCU)
Thick aged (personal) file
8 NEW Personal Accts. in/12 months
LOL OVER 30/24 NEW Accts.
14/12 Inqs
28/24 Inqs
AoYRA = Oct 19, 2021 (Alliant CU)
AAoA = 3.2 years
AoOA = 38 years
0% Aggregate Utilization (According to EQ)
4 CC's and one PL reporting balances
73 accounts currently reporting
No BK's, CO's, REPO's or Lates/Baddies
No Mortgage (None on CR)
No Open Car Loans. (5 reporting as paid)
Debt Summary (as of 12-1-2021)
Credit card and credit line debt
$4,133
Self-reported account balance(s)
$0
Loan debt
$25 (for open loan credit mix)
Collections debt
$0
Total debt
$4,158

Tagging @cashorcharge on this one.
They didn't do a hardpull? That's impressive, are you sure they didn't do it after they processed it, (I've had that happen before)? Also, did you have any reports locked when you did it?

Thanks!

@mikeef,

No Hardpull. SP on Equifax ... I triple checked my reports.

Also I would have received at least 3-4 notifications of a HP ...lol

Re: Citizens Everyday Points® Business Mastercard® **Approval

M_Smart007 — Thu, 06 Jan 2022 11:24:07 GMT

@mikeef, Also I had my reports unlocked so they could SP Equifax.

Re: Citizens Everyday Points® Business Mastercard® **Approval

jaxstraw — Thu, 06 Jan 2022 12:57:28 GMT

@mikeef wrote:
@M_Smart007 wrote:

**Citizens Everyday Points® Business Mastercard® **Approval $4,000.00

Not a US Bank approval (But did not expect it to be)

Applied = Tue, Nov 30 at 6:16 PM
Approved = Wed, Dec 1 at 10:17 AM

Applied as a "DBA" with very limited less than 1 year history.
(Although I do have a LLC with long history and 8 figure revenue.)
DBA has less than $900K in annual revenue
I want to build credit for the "DBA" Venture.

Absolutely NO relationship with Citizens Bank.
Did NOT require one single document. (not even to upload driver's license)

Equifax "SP" to Personal Credit. (My worst out of all 3 CB's)

DP's
Personal EQ
Vantage 3.0 = 740 (as of today)
EQ F8 = 762 (my lowest FICO score out of all 3 CB's.)
EQ F9 = 786 (On 11-3-2021 / NFCU)
Thick aged (personal) file
8 NEW Personal Accts. in/12 months
LOL OVER 30/24 NEW Accts.
14/12 Inqs
28/24 Inqs
AoYRA = Oct 19, 2021 (Alliant CU)
AAoA = 3.2 years
AoOA = 38 years
0% Aggregate Utilization (According to EQ)
4 CC's and one PL reporting balances
73 accounts currently reporting
No BK's, CO's, REPO's or Lates/Baddies
No Mortgage (None on CR)
No Open Car Loans. (5 reporting as paid)
Debt Summary (as of 12-1-2021)
Credit card and credit line debt
$4,133
Self-reported account balance(s)
$0
Loan debt
$25 (for open loan credit mix)
Collections debt
$0
Total debt
$4,158

Tagging @cashorcharge on this one.
They didn't do a hardpull? That's impressive, are you sure they didn't do it after they processed it, (I've had that happen before)? Also, did you have any reports locked when you did it?

Thanks!

It is well documented Citizens is a SP only.

Many of us who have the card or the BLOC have reported this.

Re: Citizens Everyday Points® Business Mastercard® **Approval

URHomeInvestments — Thu, 06 Jan 2022 16:22:09 GMT

Thanks for posting! You are doing something right! Rather, you are doing a lot of somethings right, to be honest.