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Citizens Bank Biz MC - no hard pull on personal CR..

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Established Contributor

Citizens Bank Biz MC - no hard pull on personal CR..

Applied  a  year ago  and  was  denied.

Tried  again  a  week  ago  and  just  checked  status  online  and  saw  this..

No  hard  pull either  time  which  leads  me  to believe  this  is  another  no  PG  card..

I  think  they  check  Biz  Experian and  Duns  (  got inquiry notifications on  both).....also  asked  for  3  months bank statements..20200915_212534.png

20200915_210308.png

Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 1 of 18
17 REPLIES 17
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Super Contributor

Re: Citizens Bank Biz MC - no hard pull on personal CR..

Congratulations on your approval!

Message 2 of 18
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Contributor

Re: Citizens Bank Biz MC - no hard pull on personal CR..

Do you have any other accounts with them? 

Message 3 of 18
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Established Contributor

Re: Citizens Bank Biz MC - no hard pull on personal CR..


@Rgudino1717 wrote:

Do you have any other accounts with them? 


No....... doesn't  seem  to  be  a requirement  although  I think  I  remember telling  someone  I would  consider  it  if  I  was  approved.......lol.

Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 4 of 18
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Epic Contributor

Re: Citizens Bank Biz MC - no hard pull on personal CR..

Congratulations on your Approval..

Message 5 of 18
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Community Leader
Super Contributor

Re: Citizens Bank Biz MC - no hard pull on personal CR..

Did you unlock any personal reports just in case of a pull?

My rebuild worked for me, but won't necessarily work for you!
BK7 D/C- 08/2013
Message 6 of 18
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Established Contributor

Re: Citizens Bank Biz MC - no hard pull on personal CR..

Congrats.  Are they geofenced?




Rebuilding from a sudden, swift and complete credit disaster in early 2014 | Starting Scores 2017 = Very Low 400's
1-1-17 -
8-1-18 -
12-24-18 -
9-20-2020 -

Biz Credit in Order of Approval - Uline, Quill, Grainger, SupplyWorks, MSC, Amsterdam, FuelMan .8K, Citi Tractor Supply Rev .8k, Builder Pro 5.4K, Amazon Net 55 $5.5k, NewEgg Net 30 10k, Richelieu 2k, Wurth Supply 2k, Global Ind 2k, Sam's Club Store 11.k, Shell Fleet 19.5k, Citi Exxon 2.5k, Dell Biz Revolving $15k - All No PG | AMEX Biz Gold NPSL
Message 7 of 18
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Established Contributor

Re: Citizens Bank Biz MC - no hard pull on personal CR..

👋 and Congrats ... on the approval!👍

 

Let us know how this card works out for you.  I'll be reading up on responses to the follow up questions already posted.

Current as of September 26th 2020
TCL $129.6 - 7%UTL $22.2K - Remaining SL Balance
FICO 08 EQ722, TU723, EX724 || Mortgage Score: EQ 724, Tu 694, EX 722

PSECU $30K || CHASE $9.6K || NAVYFED $66.1K || DISCOVER $20.9 || Store CC $3k CL soon to be closed

Restarted my rebuild in April 2018
(1) Unpaid CO from 2015 - Paid Aug 2020
17 Open acounts 6 closed
9 Open loans / 2 Closed || DTI 4.3%
AOYRA (2) at 13 months || AoOA (2) at 23 years || AAoA 9.9years AAoRA Calculating months

Inquiries: 0/6 0/12 4/24 - EQ/TU/EX (0 / 3 / 1)
- I am experimenting with scores...and it is not working in my favor yet!

Dirty/Thick/Aged/ No New Acoounts

Message 8 of 18
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Established Contributor

Re: Citizens Bank Biz MC - no hard pull on personal CR..


@pizza1 wrote:
Did you unlock any personal reports just in case of a pull?

None  of my reports  have  ever  been  locked.

Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 9 of 18
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Established Contributor

Re: Citizens Bank Biz MC - no hard pull on personal CR..


@spiritcraft1 wrote:

Congrats.  Are they geofenced?


I  do  not  know  if  they  are  geofenced.

Jax

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Then you are a fool. Be thankful that when God gave you a face, he gave you a fool's face
Message 10 of 18
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