This is my first application ever that resulted in app remorse. I can't really justify this card because I already have the PayPal 2% MC (and I prefer that cards reward structure). The brightside is I've figured out that I need to chill out for a while and get back to my well thought out, strategic apps. Some travel cards are getting cut this year so cashback cards will fill the gap. It had a bonus $100 for $500 in spend.
I almost didn't report this card here because I'm a bit embarrased about impulsively applying but I live for data points (and find its useful to others) so here it goes:
Cold App - No preapproval
Instant Approval - $7000 (Hopefully, there's some SP love in my future.) Not sure of APR yet.
Experian Only Pull - FICO 8 - 749
Experian Inquiries - 14
2 - Last 3 Months (There's currently a pending TD Bank app out now.)
5 - Last 6 Months
Average Age of Accounts - 7y 4m
Age of Oldest Account - 14y 2m
Accounts Last 6 Months - 6
Cap 1 Venture - Dec
Macys - January
PayPal 2% - Januarry
Amex PRG - April
BoA Alaskan - May
Navy Platinum - May
Accounts Last 12 Months - 12 (3 just aged to 1yr 1mo)
Accounts Last 24 Months - 15 Reporting
That was cathartic. Off to not apply for a while though I still can't find the entrance to the garden. I feel like its hidden for me like the entrance to Wakanda.
@Anonymous wrote:This is my first application ever that resulted in app remorse. I can't really justify this card because I already have the PayPal 2% MC (and I prefer that cards reward structure). The brightside is I've figured out that I need to chill out for a while and get back to my well thought out, strategic apps. Some travel cards are getting cut this year so cashback cards will fill the gap. It had a bonus $100 for $500 in spend.
I almost didn't report this card here because I'm a bit embarrased about impulsively applying but I live for data points (and find its useful to others) so here it goes:
Cold App - No preapproval
Instant Approval - $7000 (Hopefully, there's some SP love in my future.) Not sure of APR yet.
Experian Only Pull - FICO 8 - 749
Experian Inquiries - 14
2 - Last 3 Months (There's currently a pending TD Bank app out now.)
5 - Last 6 Months
Average Age of Accounts - 7y 4m
Age of Oldest Account - 14y 2m
Accounts Last 6 Months - 6
Cap 1 Venture - Dec
Macys - January
PayPal 2% - Januarry
Amex PRG - April
BoA Alaskan - May
Navy Platinum - May
Accounts Last 12 Months - 12 (3 just aged to 1yr 1mo)
Accounts Last 24 Months - 15 Reporting
That was cathartic. Off to not apply for a while though I still can't find the entrance to the garden. I feel like its hidden for me like the entrance to Wakanda.
7k is a decent SL for that card. When I got the DC I was approved for 2k, and stuck at that level for several years.
Yeah..uhhh.. I'm still trying to figure out what you are embarrassed about? lol
Congrats on the very nice SL. The Citi does have some nice perks even though they're being nerfed a little. Sure you have another 2% CB card, but they aren't from the same lender. These lenders from time to time will send you offers. That's where having a different lender backed card can be beneficial. Just because the rewards are similar, doesn't mean they do everything the same.
My limit started at $3000 and stayed that way for a year.
It's been 3 yrs and I still haven't found that darn garden.😂
Congrats on your approval! Nice SL
Uhm, I'll take a 7k app remorse over my stagnant DC anyday of the week , twice on Sundays
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Appers Remorse was the bomb. I love that track, sounds even better on CD
.Appers Remorse was the bomb. I love that track, sounds even better on CD
Congrats on the DC and nice SL. I have that one on my list for a someday, so the DP's help