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Approved! Truist Enjoy Beyond

TMJ1974
New Member

Approved! Truist Enjoy Beyond

Once the Truist site went active on Sunday, I took a look at the new offerings and decided to app for the Enjoy Beyond.  Got the "we'll email you within 2 days" reply.  I wasn't worried as I had recieved the BB&T soft pull preapproval a week ago.  Got the email approval, with $6500 limit.  Waiting for it to show in online banking to see if APR matches the BB&T preapproval.  Will post more when I receive the card.

Message 1 of 17
16 REPLIES 16
gdale6
Moderator

Re: Approved! Truist Enjoy Beyond

Grats on your new Truist approval Smiley Happy

Message 2 of 17
JNA1
Valued Contributor

Re: Approved! Truist Enjoy Beyond

Congrats! It's cool to see you get something brand new. Enjoy! 

Our credit card journey started 3/2018

Hover over cards to see limits and usage.
Total CL - $347,250
Cash Back and SUBs earned as of 10/1/21- $6823.23

CU Memberships

Goal Cards:


Message 3 of 17
Rebuild2019
Valued Contributor

Re: Approved! Truist Enjoy Beyond

Congratulations on your approval.

CARDS: Discover It | QuickSilver One | Kohl’s | BBT Spectrum Cash Rewards | BBT Bright | 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 4 of 17
CreditAggie
Super Contributor

Re: Approved! Truist Enjoy Beyond

Congratulations on your Truist Enjoy Beyond approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 1/6, 3/12, 5/24
Message 5 of 17
M_Smart007
Epic Contributor

Re: Approved! Truist Enjoy Beyond

Congrats on your "Truist" approval. EnjoySmiley Happy

Message 6 of 17
coreyb80
Senior Contributor

Re: Approved! Truist Enjoy Beyond

Congrats on the approval!

Message 7 of 17
chalupaman
Community Leader
Super Contributor

Re: Approved! Truist Enjoy Beyond

Nice work! I almost forgot that Truist is now a thing. I had BB&T prior. 

Tradelines: Macy’s - $12k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k , Capital One Platinum - $3k, Firestone CFNA - $2.4k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Amex Delta Gold (AU) - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: EX - 689, EQ - 671, TU - 676
Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516
Total TLs: $80.9k
Total Utilization: 11%
Message 8 of 17
FalconSteve
Established Contributor

Re: Approved! Truist Enjoy Beyond

Congrts! My wife and I didn't need our BB&T/Truist accounts, but the gave us both $11k limits with a soft pull (although AU accounts don't report) back when we were getting about $2000 to $3000 instead of $30,000. They really know how to get you. It can be very slow to show up, so try not to fret. I've also never seen APR not match. I always save a screenshot or pdf of the page, but I didn't need to use it. Did you also open a no fee account with BB&T/Truist for the 10 percent rewards bonus?

SoFi World Elite MC (TBOM) $7000 SL
REDcard (TD Bank) $2500 SL
AmEx Cash Magnet $10k SL, CLI after 36hr to $20k- $30k CL
BB&T Rewards $11k SL- impulse application
BB&T Rewards $11k SL- AU, not on reports- impulse app (wife's card)
Discover $8800 CL- $1k SL- AU, no longer on reports b/c of error (wife's card)
Citi Double Cash WEMC $8400 CL- AU- (wife's card)
AmEx Cash Magnet $27,900 CL (wife's card)
BoA Cash Rewards $11k CL- AU (Dad's card)
BoA Premium Rewards $12.3k CL- AU (Dad's card)
PSECU Founder's Card $30k SL- AU (Dad's card; closed on some reports)
AmEx Cash Magnet $30k CL- AU (Dad's card)
Wells Fargo Propel AmEx $3200 CL (AU, wife's card, not on CR b/c I was temporarily removed as an AU)

Credit Scores for both of us around 800, depending on what you pull & balances. All PIF, frequently before statement close
Goals: Buy a house, AOD VISA Signature card (or other 3% cashback), Chase Freedom Flex, $250k on CR, $100k NOT including AU accounts
Closed accounts (long period of inactivity): AmEx clear, Citi ThankYou (previously Driver's Edge), Chase Freedom, Cap One, Discover IT, Lowes, 1st REDcard, Buy.com Visa, Children's Place, Kohl's, Angel Card (AU- wife's), Old Navy, Wells Fargo Active Cash (2%)- $2k SL- AU (wife's card)
Message 9 of 17
TMJ1974
New Member

Re: Approved! Truist Enjoy Beyond

I actually opened one of the Dimension accounts.  I'll have the transactions/balance to support it, and like you said, the bonus makes up for pitiful big(ger) bank interest rates, or lack there of, on checking/savings.

 

Did some quick math vs Capital One 360.  At Truist few reimbursed out of network ATMs and the 10% bonus are more valuable to me than the higher interest Capital One pays.  Plus, CO are on my list currently, for never giving me a CLI.  At least from these forums, I know it's just their thing.

Message 10 of 17
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