topic Re: The itch is back in Credit Cards

The itch is back

Anonymous — Sun, 01 Apr 2012 03:55:18 GMT

Hello Ive been gardening for a total of about, let's say 6 days.. Im interested in applying for the citi Dividend Platinum select.. I am planning on canceling my $300 dollar limit cap one card and my Macy's, so I'd have just bank cards and amazon.. Would like to know if my chances at approval are good.. Here's my info btw I'll definitely garden after citi. 3% utili 742 Fico TU, 715 fako EX and 652 LP Amex EQ 18k annual income 0 baddies no lates. Oldest account 1 year and 3 months AAoA is 7 months Total inquires on TU is 7 and 10 on EX not sure EQ but that's frozen Is the card worth the hard pull or should I wait, garden and apply for an Amex revolver in a year?

Re: The itch is back

trumpet-205 — Sun, 01 Apr 2012 04:31:05 GMT

$300? I thought you signature says $750?

Give the student version a try instead. If you app the standard version your chance is not that great.

Re: The itch is back

Anonymous — Sun, 01 Apr 2012 04:41:32 GMT

My sig has two cap ones, the one that's 300 is a secured Wouldnt the starting limit on a student card be very low?

Re: The itch is back

jefftca925 — Sun, 01 Apr 2012 04:44:22 GMT

Just an FYI... There is a $200 cash back offer after $500 spend out there on the Dividend card if you decide to apply. You can google it...

Re: The itch is back

trumpet-205 — Sun, 01 Apr 2012 04:46:19 GMT

@Anonymous wrote:
My sig has two cap ones, the one that's 300 is a secured Wouldnt the starting limit on a student card be very low?

Nope. I got my Forward and Dividend card through student version application. Both started with $1000. Forward is now $2000 and Dividend is now $1500.

Re: The itch is back

Anonymous — Sun, 01 Apr 2012 04:49:47 GMT

@Jeff thanks that is very appealing! @trumpet 1000 is what I hope to get.. Which one do you like better, the forward or dividend?

Re: The itch is back

trumpet-205 — Sun, 01 Apr 2012 04:53:07 GMT

I like both. Forward is for Amazon, restaurant and video game (Steam) spending. Dividend for quaterly 5% bonus.

My third Citi card, AT&T Universal Savings & Reward, starts out with $1500 (no student version on this). It is used to pay AT&T bills (10% off first year, 5% thereafter).

Re: The itch is back

Anonymous — Sun, 01 Apr 2012 05:01:59 GMT

Alright here goes nothing..

Re: The itch is back

jefftca925 — Sun, 01 Apr 2012 05:02:09 GMT

I have a Platinum Select MC that's about 2 years old that I haven't used in a while. No rewards and I don't need a BT. Was thinking about the Dividend card myself for the rotating 5% categories. Next quarter is Home Improvement!! Yay!

Re: The itch is back

Anonymous — Sun, 01 Apr 2012 05:02:52 GMT

@jefftca925 wrote:
I have a Platinum Select MC that's about 2 years old that I haven't used in a while. No rewards and I don't need a BT. Was thinking about the Dividend card myself for the rotating 5% categories. Next quarter is Home Improvement!! Yay!

Re: The itch is back

jefftca925 — Sun, 01 Apr 2012 05:04:42 GMT

Going in, huh? Let us know how it turns out!

Re: The itch is back

Anonymous — Sun, 01 Apr 2012 05:10:42 GMT

Got the we'll notify you in a week message darn! Well back to gardening! I hope discover doesn't get scared and decrease my limit, I've had 5 inquiries and 3 new accounts in march

Re: The itch is back

jefftca925 — Sun, 01 Apr 2012 05:13:29 GMT

Are the new accounts showing on your CR? What's your FICO score and do you know who they usually pull in your state? They pull EX for me here in CA

Re: The itch is back

Anonymous — Sun, 01 Apr 2012 05:15:48 GMT

Yea it's Amex, discover and bofa My TU Fico is 742, my My EQ is frozen but it's 652 and I only know my EX fako which is 715 , I've read that they pull EX in FL

Re: The itch is back

trumpet-205 — Sun, 01 Apr 2012 05:18:14 GMT

@Anonymous wrote:
Got the we'll notify you in a week message darn! Well back to gardening! I hope discover doesn't get scared and decrease my limit, I've had 5 inquiries and 3 new accounts in march

My recommendation is to call the backdoor number on Monday. It happened to me on my Forward card, turns out it just need to verify who I am.

Re: The itch is back

jefftca925 — Sun, 01 Apr 2012 05:21:56 GMT

@trumpet-205 wrote:
@Anonymous wrote:
Got the we'll notify you in a week message darn! Well back to gardening! I hope discover doesn't get scared and decrease my limit, I've had 5 inquiries and 3 new accounts in march
My recommendation is to call the backdoor number on Monday. It happened to me on my Forward card, turns out it just need to verify who I am.

+1. That could be the situation. Although if the new accounts are showing that might freak them out. I have 4 new accounts this month (3 CCs and an auto refi) that aren't showing yet. How's your util?

Re: The itch is back

Anonymous — Sun, 01 Apr 2012 05:27:58 GMT

I'll try calling on Monday.. Hopefully it's to verify who I am, hate wasting hard pulls lol this will definitely be my last cc till next year when I apply for a Amex revolver and chase freedom! @jeff my utilization on my cr is 3% *Does anyone know if discover or bofa decrease CL for too much inquiries?*

Re: The itch is back

Anonymous — Sun, 01 Apr 2012 05:28:40 GMT

Also thanks trumpet and Jeff for the help! I appreciate it

Re: The itch is back

jefftca925 — Sun, 01 Apr 2012 05:33:24 GMT

You're welcome! Did you find the $200 cash back link?

Re: The itch is back

Anonymous — Sun, 01 Apr 2012 05:37:05 GMT

Yea it was 200 if you spend 1000 in the first three months, I chose the 100 if you spend 500 because my limit would be 1000 max and I never ever want to come close to maxing a card out lol did it once and it hit me hard