Was planning on gardening indefinitely mostly but came out to try again after being denied back in 2020 for this card. we spend quite a bit at Costco and getting gas there is convenient also.
It has been over a year since I had a HP for a credit card as the Amex cards I acquired after the beginning of last year have all been without any pulls. Just had 2 pulls from NFCU in August and September of last year for 2 used auto loans. Utilization is near 0 as I pay all cards or try to before statement cut.
Was approved for $6k SL at 20.49% APR. They pulled Experian for me in TX. Scores in my signature are fico 8 correct and current but Transunion is a guesstimate lower than what CK shows as i don't have access anywhere for free for that one. its higher than the other 2 as my bk7 has been EE'd off of it.
ETA: Another DP. I do have a bk7 still reporting from 2015. Did not have a Citi card back then though.
tried a couple weeks ago with reports frozen for a CLI on my Fidelity Visa that has a $23,500 SL on it but it was a no go as transunion was frozen. I'm tempted now that its thawed temporarily to see just what I can get added to that card for science. it has seen $2k a month or so of spend the last 2 months.
AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL
SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL
