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Citizens Everyday Points MC - In Review

JFox418
Regular Contributor

Citizens Everyday Points MC - In Review

Thanks @4sallypat for the recommendation. I already have a citizens business checking and we use them for personal checking and savings too. Was trying to get some numbers in order before apping which happened today. The SP was certainly appealing so app'd today. No HPs showing so that's good. Got an "in review" response and an email confirming the application. Guess we'll see.

11.05.21 - EX 767 / EQ 774 / TU 762 %56 UTIL $43.1K CL (WIP)                                                                                  

12.12.21 - EX 808 / EQ 805 / TU 792 %37 UTIL $46.1K CL

Message 1 of 24
23 REPLIES 23
M_Smart007
Legendary Contributor

Re: Citizens Everyday Points MC - In Review

@JFox418,

May the odds be in your favor, please let us know the outcome?

Thank you & Happy HolidaysSmiley Happy

Message 2 of 24
4sallypat
Established Contributor

Re: Citizens Everyday Points MC - In Review

Yes, let us know your Citizen's Business MC outcome!

Message 3 of 24
JFox418
Regular Contributor

Re: Citizens Everyday Points MC - In Review


@4sallypat wrote:

Yes, let us know your Citizen's Business MC outcome!


I think I may have messed up! Is it the platinum that's a SP? I went for the rewards.... which is ok since I was thinking about going for an FNBO. I'm just going to wait and see how this goes. 

11.05.21 - EX 767 / EQ 774 / TU 762 %56 UTIL $43.1K CL (WIP)                                                                                  

12.12.21 - EX 808 / EQ 805 / TU 792 %37 UTIL $46.1K CL

Message 4 of 24
4sallypat
Established Contributor

Re: Citizens Everyday Points MC - In Review

When I applied, they gave me a choice: Everyday Points or Platinum (lower APR).

 

I chose the Platinum:

 

Message 5 of 24
M_Smart007
Legendary Contributor

Re: Citizens Everyday Points MC - In Review


@JFox418 wrote:

@4sallypat wrote:

Yes, let us know your Citizen's Business MC outcome!


I think I may have messed up! Is it the platinum that's a SP? I went for the rewards.... which is ok since I was thinking about going for an FNBO. I'm just going to wait and see how this goes. 


Hi @JFox418 ,

I think you are ok on the "SP" for the "Everyday Points MC"

Message 6 of 24
JFox418
Regular Contributor

Re: Citizens Everyday Points MC - In Review


@M_Smart007 wrote:

@JFox418 wrote:

@4sallypat wrote:

Yes, let us know your Citizen's Business MC outcome!


I think I may have messed up! Is it the platinum that's a SP? I went for the rewards.... which is ok since I was thinking about going for an FNBO. I'm just going to wait and see how this goes. 


Hi @JFox418 ,

I think you are ok on the "SP" for the "Everyday Points MC"


Oh very nice. So far I'm right on track with how your app played out. I don't have nearly the history and business size you do but fingers crossed! 

11.05.21 - EX 767 / EQ 774 / TU 762 %56 UTIL $43.1K CL (WIP)                                                                                  

12.12.21 - EX 808 / EQ 805 / TU 792 %37 UTIL $46.1K CL

Message 7 of 24
JFox418
Regular Contributor

Re: Citizens Everyday Points MC - In Review

Received a request this morning from Citzens to supply 3 months of business bank statements and update the description of the business. Linked my Citzens checking account and gave them the description update. Not much action in the checking account so hopefully that's not a negative! 

11.05.21 - EX 767 / EQ 774 / TU 762 %56 UTIL $43.1K CL (WIP)                                                                                  

12.12.21 - EX 808 / EQ 805 / TU 792 %37 UTIL $46.1K CL

Message 8 of 24
4sallypat
Established Contributor

Re: Citizens Everyday Points MC - In Review


@JFox418 wrote:

Received a request this morning from Citzens to supply 3 months of business bank statements and update the description of the business. Linked my Citzens checking account and gave them the description update. Not much action in the checking account so hopefully that's not a negative! 


That is a very good sign.

They asked me the same and I uploaded the bank statements as well as my state resale permit.

 

2 days later, approval arrived by email.

 

Good luck!

Message 9 of 24
TryItAgain
Valued Member

Re: Citizens Everyday Points MC - In Review

Everything you guys had happen did for me as well, pin arrived by mail 2 days ago, card arrived yesterday and already used it today.  This was all about a week after the approval email.  Just a bit of a clunky app & approval process but otherwise fine. In the end though it's a Soft Pull to personal credit Only for sure, and reports to Business Equifax according to customer service. 

Message 10 of 24
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