topic Re: Approved for Citizens CC but not BLOC in Business Credit

Citizens Everyday MC approval but not BLOC

socalchef00 — Sun, 06 Mar 2022 02:18:56 GMT

I apply last week for the Everday Points Business MC and got the email today. Approved for $15K !!!

I want to try for the BLOC next. Is there a time frame I should wait or can I apply today for it? And if so, what is the typical limits they give out so I dont over/under ask?

Re: Citizens Everyday MC approval

CloudyWeather1331 — Tue, 22 Feb 2022 17:23:18 GMT

Congrats on your approval!

Re: Citizens Everyday MC approval

bizcredit11 — Tue, 22 Feb 2022 19:38:59 GMT

@socalchef00 Congratulations on the sweet approval.

I haven't gotten around to calling about the BLOC...but here is the number if you're interested...

1 800-403-2736

Good luck! I'll probably wait 6 months even if I'm eligible.

bizcredit11

Re: Citizens Everyday MC approval

cashorcharge — Tue, 22 Feb 2022 19:39:16 GMT

That's terrific!! Congratulations on your Citizens Approval!! 🎉🥂👏

Re: Citizens Everyday MC approval

credit8502020 — Fri, 25 Feb 2022 04:10:30 GMT

@socalchef00 wrote:
I apply last week for the Everday Points Business MC and got the email today. Approved for $15K !!!

I want to try for the BLOC next. Is there a time frame I should wait or can I apply today for it? And if so, what is the typical limits they give out so I dont over/under ask?

@socalchef00 Congratulations on your new approval and starting limit! Can you provide more data points?

How many accounts do you have with Citizens and how long have you been a customer? Ex. Checking, Savings, etc.

How long after you opened your first account did you apply for the credit card?

Are you in a location where there are physical locations?

Re: Citizens Everyday MC approval

LP007 — Fri, 25 Feb 2022 02:24:06 GMT

BOOM!

I'm hearing big lips flapping about The Cit doing only SP's. You check your CRA for a hit?

Re: Citizens Everyday MC approval

socalchef00 — Fri, 25 Feb 2022 14:07:09 GMT

@credit8502020 wrote:
@socalchef00 wrote:
I apply last week for the Everday Points Business MC and got the email today. Approved for $15K !!!

I want to try for the BLOC next. Is there a time frame I should wait or can I apply today for it? And if so, what is the typical limits they give out so I dont over/under ask?
@socalchef00 Congratulations on your new approval and starting limit! Can you provide more data points?
How many accounts do you have with Citizens and how long have you been a customer? Ex. Checking, Savings, etc.
How long after you opened your first account did you apply for the credit card?
Are you in a location where there are physical locations?

I dont, or should say didnt have any accounts with them prior to applying. I only had to supply them with 3 months of bank statements. My company been in business for 4 years. No locations near me, located in California.

Re: Citizens Everyday MC approval

socalchef00 — Fri, 25 Feb 2022 14:07:23 GMT

@LP007 wrote:
BOOM!

I'm hearing big lips flapping about The Cit doing only SP's. You check your CRA for a hit?

Only a SP.

Approved for Citizens CC but not BLOC

socalchef00 — Sat, 05 Mar 2022 21:53:28 GMT

Has anyone ever gotten the Citizens CC but get denied their BLOC ?

I was approved for the CC with a nice $15k limit, but today got the email stating that "Lack of established earnings record or earnings insufficient for amount of credit requested"

I asked for $100k BLOC. Wondering if the amount was the reason denied and not lack of established earnings. Company is 4 years hold with $300k in gross income.

Should I apply again for a smaller amount?

Re: Approved for Citizens CC but not BLOC

cashorcharge — Sat, 05 Mar 2022 22:59:43 GMT

When you applied for the BLOC, was it the same EQ SP process and did they request any documents from you or just deny you? Also, how long ago did you get the card? If it was fairly recent and they gave you a $15K CC, then immediately getting another $100K in unsecured credit...BLOC or CC....doesn't feel realistic.

I ask because there's a big difference between $15K and $100K so if the process was easy, agreed that trying for less....quit a bit less may be better.

Re: Approved for Citizens CC but not BLOC

socalchef00 — Mon, 07 Mar 2022 22:28:40 GMT

@cashorcharge wrote:
When you applied for the BLOC, was it the same EQ SP process and did they request any documents from you or just deny you? Also, how long ago did you get the card? If it was fairly recent and they gave you a $15K CC, then immediately getting another $100K in unsecured credit...BLOC or CC....doesn't feel realistic.

I ask because there's a big difference between $15K and $100K so if the process was easy, agreed that trying for less....quit a bit less may be better.

Its only been about a week and half from the CC to the BLOC, but I saw others that posted that they applied for both and got approved for both.

I was expecting them to come back with a counter, but instead just completedly denied me.

Re: Approved for Citizens CC but not BLOC

cashorcharge — Tue, 08 Mar 2022 01:49:12 GMT

@socalchef00 wrote:
@cashorcharge wrote:
When you applied for the BLOC, was it the same EQ SP process and did they request any documents from you or just deny you? Also, how long ago did you get the card? If it was fairly recent and they gave you a $15K CC, then immediately getting another $100K in unsecured credit...BLOC or CC....doesn't feel realistic.

I ask because there's a big difference between $15K and $100K so if the process was easy, agreed that trying for less....quit a bit less may be better.
Its only been about a week and half from the CC to the BLOC, but I saw others that posted that they applied for both and got approved for both.
I was expecting them to come back with a counter, but instead just completedly denied me.

I see...sorry to hear that. It would seem to me that giving them some more time may be a better alternative. Honestly, the $15K SL is pretty good comparatively.

How long did it take to get your Citizens card?

socalchef00 — Thu, 10 Mar 2022 22:34:19 GMT

Curious for those that were approved for the Citizens Bank CC, how long did it take for you to get the card in the mail?

I was approved about 2 weeks ago and it still hasn't arrived yet.

Re: Citizens Everyday MC approval but not BLOC

bennew111 — Sat, 12 Mar 2022 22:13:03 GMT

Congratulations on your approval. Do you mind if I ask, what kind of info did the bank request from you?

Re: Citizens Everyday MC approval but not BLOC

socalchef00 — Mon, 14 Mar 2022 18:20:22 GMT

@bennew111 wrote:
Congratulations on your approval. Do you mind if I ask, what kind of info did the bank request from you?

They just asked for 3 months of bank statements and copy of ID

Re: Citizens Everyday MC approval but not BLOC

Anonymous — Sat, 19 Mar 2022 11:53:13 GMT

I was able to get a 15K approval. It was a soft pull and no docs/ID required.

Card took about 2 weeks to come in.

Re: Approved for Citizens CC but not BLOC

bizcredit11 — Sat, 19 Mar 2022 14:23:57 GMT

@socalchef00 When I called Citizens to see if I was eligible for the BLOC being in CA, I was told not through Citizens because I am out of footprint. However, I could apply online and Fundation could possibly approve me at a higher APR than Citizens would have.

Who did you get your denial or letter from? I am assuming you received your cc by now.

bizcredit11

Re: Citizens Everyday MC approval but not BLOC

LP007 — Sat, 19 Mar 2022 22:32:25 GMT

@Anonymous wrote:
I was able to get a 15K approval. It was a soft pull and no docs/ID required.
Card took about 2 weeks to come in.

Pow! What CRA was hit?

Re: Approved for Citizens CC but not BLOC

jaxstraw — Sun, 20 Mar 2022 12:43:50 GMT

@bizcredit11 wrote:
@socalchef00 When I called Citizens to see if I was eligible for the BLOC being in CA, I was told not through Citizens because I am out of footprint. However, I could apply online and Fundation could possibly approve me at a higher APR than Citizens would have.

Who did you get your denial or letter from? I am assuming you received your cc by now.

bizcredit11

So it appears Fundation is working again in conjunction with Citizens. They had suspended lending during the early days of the pandemic.

Re: Citizens Everyday MC approval but not BLOC

babygirl1256 — Sun, 20 Mar 2022 15:19:06 GMT

Congrats on your Citizens Everyday MC approval.