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Citi Diamond / BofA / Uber

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Regular Contributor

Citi Diamond / BofA / Uber

Got some disappointing news today when I woke up. I had asked for my SPG app to be manually reviewed since the soft pull AMEX had on me was 60 points lower than my current FICO. Took a week and they sent me the same email they had sent me a week ago, stating my old FICO score as the reason for denial. The letter was even dated January 16th. So I called and told them my story and she said, "Oh, you want us to look at what your score is currently?" Uh. Yes. I thought that was clear the first time around. So that'll be another 3-5 days. And at this point I'm still not sure they'll let me in. Fingers crossed.

 

So I decided to "see what else is out there." App'ed for BofA Americard: Approved for 6k. Then went over to Citi for the Diamond Preferred: Approved for 5.4k. Then went for that new Uber card: 7-10 days. Called, they asked about one of my cards that has a high balance. I explained it was a card I used for work expenses and she said they'd reconsider and she started me at 2.5k. BofA and Citi pulled EX (727) and Barclay's pulled TU (701). 

 

30 days ago I has 26,000 in CL's. With these approvals, an additional approval from Navy a week ago, plus CLI's from AMEX, Cap1 and my other Navy, I've more than doubled it to $58,100. And on a personal note, 18 months ago I had no FICO and a FAKO in the low 400s with plenty of baddies. I had nothing. Ironically, this board's *free* advice has been invaluable. Feels good to have my arrow pointed up. To everyone who has ever help me or anyone on here: THANK YOU.

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of March 2018:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500

TOTAL CREDIT LINE: $61,200
Message 1 of 9
8 REPLIES 8
Valued Contributor

Re: Citi Diamond / BofA / Uber

congrats Smiley HappySmiley HappySmiley HappySmiley Happy YOU ARE DOING A SUPER JOB on your credit Smiley Happy Keep the good work up Smiley Happy

Message 2 of 9
Moderator

Re: Citi Diamond / BofA / Uber

Congrats on your approvals.  Enjoy!

Message 3 of 9
Senior Contributor

Re: Citi Diamond / BofA / Uber

Message 4 of 9
Community Leader
Super Contributor

Re: Citi Diamond / BofA / Uber

Congrats on all your approvalsSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 5 of 9
Valued Contributor

Re: Citi Diamond / BofA / Uber

Congrats and kudos on your credit journey.

You’re absolutely right, the info on this forum is invaluable.


Beginning Journey April 2017 – FICO 8

Current Scores May 2018 – FICO 8

Started this credit game with $8400 TCL in 04/17 now I'm at $150K+.
Message 6 of 9
Regular Contributor

Re: Citi Diamond / BofA / Uber

Citi and BofA pulled EX. 727 score. No baddies. Never late. 1 inquiry in the last six months. 4.2 years AAoA. Both instant approvals.

 

Uber pulled TU. 701 score. No baddies. Never late. 1 inquiry in the last six months. 1 year AAoA. Had to recon to 2.5k SL.

 

80k salary reported.

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of March 2018:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500

TOTAL CREDIT LINE: $61,200
Message 7 of 9
Established Contributor

Re: Citi Diamond / BofA / Uber

Congrats Mystery.

You be racking up there.. Keep it up.

 

EQ 669, TU 679, EX 679. Navy Signature Go Rewards 15K, Navy Signature Cash Rewards 16K, Navy AX Rewards 14.4K, Navy CLOC 15K, Navy Mortgage 120K, Navy ATV Loan 14,990K, FLCU Auto 48.7K, FLCU Visa 7.5K, FLCU Visa 1K, AFCU 5K, AFCU Line of Credit 4K, John Deere 15K, Suncoast TB Rays Cash Rewards 6K, Cap1 QS 5K, USAA Rate Advantage 5K, USAA AX Card 9K, State Farm Rewards 2.5K, Paypal Credit 2.8K, Cabela's 2K, Chevron & Texaco Visa 6K, BMO Harris Bank 1.5K, BOA Bass Pro 1.5K, 5/3 Stand up to cancer 4.5K, 5/3 Truly Simple 4K, 5/3 Trio 4K, Amazon Store Card 5K, Lowes 17K, TBFCU 5K, BBT Spectrum 4.5K, BBT Bright 3.5K, BBT Bright 4.5K, Banco Do Brasil Americas 4.2K, Kays Jewerly 2K, AX Green Charge, AX Delta Gold 1K, Morgan Auto Group 1.6K, Kohls 700.
Message 8 of 9
Regular Contributor

Re: Citi Diamond / BofA / Uber

Thanks guys. For what it's worth data points wise, and not sure if it's of any value or not, my EX credit score fell from 727 to 719. Both inquiries were posted instantly. Barclay's also began reporting the Uber card to all three CBs within a few hours.

Started on July 4th, 2016 with 400's FAKO scores, no FICO, a dozen baddies and no credit of any kind.

As of March 2018:
AmEx Blue Cash Everyday: $12,600
Chase Sapphire Preferred: $10,000
Bank Of America BankAmericard: $6,000
Capital One Quicksilver One: $5,500
Citi Diamond Preferred: $5,400
NFCU Cash Rewards Visa Signature: $5,100
NFCU Go Rewards MasterCard World: $5,000
Wells Fargo Propel: $3,500
Barclay's Uber Visa: $2,500
AmEx Starwood Preferred Guest: $2,000
Citi Double Cash: $1,500
AmEx Hilton Honors: $1,000
Discover It: $600
Capital One Platinum: $500

TOTAL CREDIT LINE: $61,200
Message 9 of 9
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