**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. 
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 
@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
@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?
@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..
Congratulations 🎊🎈🎉 on your 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 rewards
