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Citizens Everyday Points® Business Mastercard® **Approval

M_Smart007
Legendary Contributor

Citizens Everyday Points® Business Mastercard® **Approval

 

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

 

Not a US Bank approvalSmiley Tongue (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

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Tagging @cashorcharge on this one. Smiley Happy

Message 1 of 15
14 REPLIES 14
cashorcharge
Community Leader
Senior Contributor

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

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!

Message 2 of 15
4sallypat
Valued Contributor

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

Congrats!

 

A good card to have for SP.

Message 3 of 15
Five6Two
Frequent Contributor

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

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 Smiley Very Happy 

Siggy under construction Smiley Happy
Message 4 of 15
M_Smart007
Legendary Contributor

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


@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 faultSmiley Very Happy

Message 5 of 15
M_Smart007
Legendary Contributor

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


@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.

Message 6 of 15
M_Smart007
Legendary Contributor

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


@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 Smiley Very Happy 


@Five6Two, Thanks!

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

At least it is only a "SP"

nothing ventured >> nothing gained.

Please keep us updated on your progress? my-fingers-are-crossed-smiley-emoticon.gif

Message 7 of 15
cashorcharge
Community Leader
Senior Contributor

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


@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 faultSmiley Very Happy


HAHAHAHA!!  It's contagious.. Smiley Very Happy

Message 8 of 15
Rebuild2019
Valued Contributor

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

Congratulations 🎊🎈🎉 on your approval

CARDS: Discover It | QuickSilver One | Kohl’s | BBT Spectrum Cash Rewards | BBT Bright | CITI Custom Cash | PenFed Gold Visa | NFCU CashRewards | NFCU More Rewards | NFCU Platinum Visa | AMEX BCE | Verizon Visa | Wells Fargo Active Cash | Amazon Prime | OverStock
Starting Scores 05/2019: EQ:519, EX:525, TU:574
Message 9 of 15
M_Smart007
Legendary Contributor

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

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 rewardsSmiley Happy

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Message 10 of 15
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