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So I had 5 Citi offers in the mail today (currently living APO so mail comes in month long budles). I called and went through the benefits of each and chose the Thank You Preferred card. Christmas (CSR's name, no joke) was really nice when she said I was approved for $5,000!! Woo hoo.
Recap of last 10 days in order:
Discover CLI $1,700 to $5,700 $280 balance
Amex CLI $1,600 to $4,800 $0 balance
Chase United MileagePlus Explorer - Approved $4,000
Regions Bank Visa Signature - awaiting underwriting decision
Citi Thank You Preferred - Approved $5,000
Also in wallet:
Cap1 Platinum $30,000 - AU $0 balance
Citi Simplicity $11,000 - AU $4,650 balance (0% for 5 more months, we consolidated $10,700 from Cap1 11 months ago)
$60,500 in CL with 8% util now!! I am stoked. The Simplicity card will be paid off in 6 more weeks and I should hover around 1% across all cards after that.
EQ 660, TU 666 from MyFICO as of 10 days ago. I have a Forclosure that is 2.8 years old and some 60 day lates and a 15 30 days on a car note that are 2 years old. I have a paid collection to Amex 4 years old and 120+ later on student loan 5.5 years old.
Nice going -- congrats!!!
Impressive! Congrats on the utility and very generous credit line!
@Tryon2improve wrote:So I had 5 Citi offers in the mail today (currently living APO so mail comes in month long budles). I called and went through the benefits of each and chose the Thank You Preferred card. Christmas (CSR's name, no joke) was really nice when she said I was approved for $5,000!! Woo hoo.
Recap of last 10 days in order:
Discover CLI $1,700 to $5,700 $280 balance
Amex CLI $1,600 to $4,800 $0 balance
Chase United MileagePlus Explorer - Approved $4,000
Regions Bank Visa Signature - awaiting underwriting decision
Citi Thank You Preferred - Approved $5,000
Also in wallet:
Cap1 Platinum $30,000 - AU $0 balance
Citi Simplicity $11,000 - AU $4,650 balance (0% for 5 more months, we consolidated $10,700 from Cap1 11 months ago)
$60,500 in CL with 8% util now!! I am stoked. The Simplicity card will be paid off in 6 more weeks and I should hover around 1% across all cards after that.
EQ 660, TU 666 from MyFICO as of 10 days ago. I have a Forclosure that is 2.8 years old and some 60 day lates and a 15 30 days on a car note that are 2 years old. I have a paid collection to Amex 4 years old and 120+ later on student loan 5.5 years old.
LOL **bleep** 30k limit on a Capital One Platinum? holy crap time for a PC batman!
@Tryon2improve wrote:So I had 5 Citi offers in the mail today (currently living APO so mail comes in month long budles). I called and went through the benefits of each and chose the Thank You Preferred card. Christmas (CSR's name, no joke) was really nice when she said I was approved for $5,000!! Woo hoo.
Recap of last 10 days in order:
Discover CLI $1,700 to $5,700 $280 balance
Amex CLI $1,600 to $4,800 $0 balance
Chase United MileagePlus Explorer - Approved $4,000
Regions Bank Visa Signature - awaiting underwriting decision
Citi Thank You Preferred - Approved $5,000
Also in wallet:
Cap1 Platinum $30,000 - AU $0 balance
Citi Simplicity $11,000 - AU $4,650 balance (0% for 5 more months, we consolidated $10,700 from Cap1 11 months ago)
$60,500 in CL with 8% util now!! I am stoked. The Simplicity card will be paid off in 6 more weeks and I should hover around 1% across all cards after that.
EQ 660, TU 666 from MyFICO as of 10 days ago. I have a Forclosure that is 2.8 years old and some 60 day lates and a 15 30 days on a car note that are 2 years old. I have a paid collection to Amex 4 years old and 120+ later on student loan 5.5 years old.
CONGRATS on your Citi approval and CLI success!!
@distantarray wrote:
@Tryon2improve wrote:So I had 5 Citi offers in the mail today (currently living APO so mail comes in month long budles). I called and went through the benefits of each and chose the Thank You Preferred card. Christmas (CSR's name, no joke) was really nice when she said I was approved for $5,000!! Woo hoo.
Recap of last 10 days in order:
Discover CLI $1,700 to $5,700 $280 balance
Amex CLI $1,600 to $4,800 $0 balance
Chase United MileagePlus Explorer - Approved $4,000
Regions Bank Visa Signature - awaiting underwriting decision
Citi Thank You Preferred - Approved $5,000
Also in wallet:
Cap1 Platinum $30,000 - AU $0 balance
Citi Simplicity $11,000 - AU $4,650 balance (0% for 5 more months, we consolidated $10,700 from Cap1 11 months ago)
$60,500 in CL with 8% util now!! I am stoked. The Simplicity card will be paid off in 6 more weeks and I should hover around 1% across all cards after that.
EQ 660, TU 666 from MyFICO as of 10 days ago. I have a Forclosure that is 2.8 years old and some 60 day lates and a 15 30 days on a car note that are 2 years old. I have a paid collection to Amex 4 years old and 120+ later on student loan 5.5 years old.
LOL **bleep** 30k limit on a Capital One Platinum? holy crap time for a PC batman!
Yeah, I am still trying to figure out how my wife got that, she only had $18k income at the time she got the card. I think it had to do with being an AU on her brother's cards (he is a surgeon with perfect credit, family, cars etc....) I hit the floor when she got that approval because all they gave me was $500 and an annual fee of $39.
We are afraid to do anything other than spend and pay with that card for fear of a Credit Line Decrease.
Happy Holidays to u yes indeed Congrats!