They'll fix it MnB. That's the card you wanted correct? The INQs will fade before you know it. And the limit will grow. You've got folks taking HPs for $500 CLIs or sometimes nothing at all. lol
I've blown a few myself. Though I don't think yours was blown. Nothing ventured nothing gained. At least now you can get cash back on your spending with this PenFed CC.
I've blown a few myself. Though I don't think yours was blown. Nothing ventured nothing gained. At least now you can get cash back on your spending with this PenFed CC.
Citi is known for pulling EQ and EX with new customers. Good idea!
The Citi DC is a good card with some nice perks! They are conservative from the start. My SL with them was $3000. It took a year to get my first CLI. Which was only $1400. I took it and then submitted a hard pull and asked for $20k. Surprisedly they gave it to me. It took me another year with two SPs in order to get it to a little over $30,000. And then I opened a AAdvantage card recently, which I had them move some of that DC limit over to.
I'll collect the spend bonus and PC the AAdvantage to something else in 9 months.
The Citi DC is a good card with some nice perks! They are conservative from the start. My SL with them was $3000. It took a year to get my first CLI. Which was only $1400. I took it and then submitted a hard pull and asked for $20k. Surprisedly they gave it to me. It took me another year with two SPs in order to get it to a little over $30,000. And then I opened a AAdvantage card recently, which I had them move some of that DC limit over to.
I'll collect the spend bonus and PC the AAdvantage to something else in 9 months.
I'm trying not to go crazy with apps but you're not helping 
. While I'd love to have the Citi DC I have enough cash back cards for now; Amex BCE; Discover IT, BOA Cash Rewards, CapOne QuickSilver, a recently opened Chase Freedom and now the Power Cash Rewards. I'll wait a bit so Chase doesn't close my card as they've been known to do when additional apps are made after their cards.
Lol, that's why I said it was a good idea to chill for several months. Even though I've never let the fear of Chase stop me. I do understand.
I've only seen Chase AA a handful of folks here. Not all of it had anything to do with new accounts. Most were for MS- manufactured spending.
None of your other cards offer price rewind either. Just something to think about down the road. Glad to see you in with Capital One and Amex as well.
I like that they all offer SP CLIs regularly verses some of the others.
I've only seen Chase AA a handful of folks here. Not all of it had anything to do with new accounts. Most were for MS- manufactured spending.
None of your other cards offer price rewind either. Just something to think about down the road. Glad to see you in with Capital One and Amex as well.
I like that they all offer SP CLIs regularly verses some of the others.
BOA has been great to deal with. I've collected a couple of those ATT bonuses off them when I switched phone and TV service. Took them a while to pay me, but they eventually did. Made $175 off them swapping services not including another $100 off DTV .
With Amex, the two negatives I find with them is the slow posting of rewards and overall acceptance. Some of the smaller mom and pop stores don't accept Amex in my area.
The positive is, they are aggressive at trying to keep their customers! More so than just about any lender I've dealt with.
Untill Capitol One proves me wrong. They've been rock solid. No issues at all. Like Chase though, they don't haggle on reducing APRs. It keeps me honest and paying in full. lol
I'm running an experiment to see how long it takes, if they ever do CLD me. I spend an average of $3 a month through this $49.5k card. It will have been at that limit for two years in June I think. They've CLD'd several here for not reporting enough usage on other CCs. Since it is my oldest account. I'll keep it active, regardless of the limit it has.
With Amex, the two negatives I find with them is the slow posting of rewards and overall acceptance. Some of the smaller mom and pop stores don't accept Amex in my area.
The positive is, they are aggressive at trying to keep their customers! More so than just about any lender I've dealt with.
Untill Capitol One proves me wrong. They've been rock solid. No issues at all. Like Chase though, they don't haggle on reducing APRs. It keeps me honest and paying in full. lol
I'm running an experiment to see how long it takes, if they ever do CLD me. I spend an average of $3 a month through this $49.5k card. It will have been at that limit for two years in June I think. They've CLD'd several here for not reporting enough usage on other CCs. Since it is my oldest account. I'll keep it active, regardless of the limit it has.
That's funny, my QS was originally a Platinum as well.
I use Mint to manage my cards. All the cards that allow it are on autopay. And I also have each creditor to send me reminder notifications when bills are due as well as when the payments post.
I use Mint to manage my cards. All the cards that allow it are on autopay. And I also have each creditor to send me reminder notifications when bills are due as well as when the payments post.