Approved! Truist Enjoy Beyond

TMJ1974 · ‎10-13-2021

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.

gdale6 · ‎10-13-2021

Grats on your new Truist approval

JNA1 · ‎10-13-2021

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 - $608,600. Cash Back and SUBs earned as of 5/31/24- $21,590.43
CU Memberships

Goal Cards:

Rebuild2019 · ‎10-13-2021

Congratulations on your approval.

CreditAggie · ‎10-13-2021

Congratulations on your Truist Enjoy Beyond approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (August 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

M_Smart007 · ‎10-13-2021

Congrats on your "Truist" approval. Enjoy

coreyb80 · ‎10-13-2021

Congrats on the approval!

chalupaman · ‎10-13-2021

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

Tradelines: Macy’s - $18k, 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, Firestone CFNA - $3.2k, Capital One Platinum - $3k, 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, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down

FalconSteve · ‎10-13-2021

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?

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL

TMJ1974 · ‎10-13-2021

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.