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Citi Premier, USB flexperks & BofA approval

My_Credit_Journey2016
Valued Member

Citi Premier, USB flexperks & BofA approval

Updated : BofA approved.
2 days after I was 0/6,16/24, AAoA 1 year 1 month, ult 1%, FiCO 772-789, I decided to apply for several cards.
_ US bank flexperks Visa - Instantly approved $15K.( having cash+ with $500 cl for 14 months, was able to use the same pull to get it to $1k over the phone. I laughed when csr told me congratulations my cl was increased to $1K. I asked her I was just approved for $15K SL and now I only got $500 cli. She does not know but will request a manual review.
_Citi Premier -approved instantly for $7.3K
_ BofA Premium reward : pending review. I called and CRS told me to wait as nothing she can do. Update : Approved for $13k
Barclay arrival - denied after recon because 16/24. I know they will combine multiple pulls so I requested CLI and was denied again with the same reason. Next days, pulls were combined.
US bank and Barclay pulled TU. Citi and BofA pulled Ex
Mar 2019 FICO 8: TR 781 / Ex 770 / EQ 772
AMEX BCD $10k - Amex Blue Delta $3k - Cash magnet $20k- Amex Everyday $5k -Discover $9k & $6.5k
Paypal Extras $10k - Uber Visa $5k - Amazon store $4.5k- Celtic bank $3.5k
Amex Gold -USBANK Cash+ $500 -Cap1 QuickSilver $500 (closed)
AAoA: 11 months - AoA 29 months - Uti ~1%
Message 1 of 14
13 REPLIES 13
pinkandgrey
Community Leader
Senior Contributor

Re: Citi Premier & US Bank Flexperks Visa approval

Congrats on the great approvals! Sorry about the denials, but at least there was some HP combining lol

Discover It: 19.7k
Amex ED: 18k
Citi DC: 7.7k
Fidelity Visa: 2k
Apple Card: 1.5k
Message 2 of 14
19eighty5
Senior Contributor

Re: Citi Premier & US Bank Flexperks Visa approval

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 3 of 14
kudosalert
Frequent Contributor

Re: Citi Premier & US Bank Flexperks Visa approval


@pinkandgrey wrote:

Congrats on the great approvals! Sorry about the denials, but at least there was some HP combining lol


 

Question regarding HP combining. I've read through quite a few threads about applying on the same day to potentially have only 1 hard pull for multiple apps but still confused by the different data out there.

 

Is it a 1single HP only if you apply for multiple products from one company/bank ex: AMEX Green and Gold card on same day/Chase Freedom and Freedom unlimited?

 

What happens if you apply on the same day 1 card from Chase, 1 from Amex, and 1 from Discovery?

 

 



In my wallet:


In my desk:
Message 4 of 14
Steve891
Senior Contributor

Re: Citi Premier & US Bank Flexperks Visa approval

Congrats on your Citi Premier and US Bank Flexperks Visa approvals! Smiley Happy




Message 5 of 14
My_Credit_Journey2016
Valued Member

Re: Citi Premier & US Bank Flexperks Visa approval

Update: BofA approved
Mar 2019 FICO 8: TR 781 / Ex 770 / EQ 772
AMEX BCD $10k - Amex Blue Delta $3k - Cash magnet $20k- Amex Everyday $5k -Discover $9k & $6.5k
Paypal Extras $10k - Uber Visa $5k - Amazon store $4.5k- Celtic bank $3.5k
Amex Gold -USBANK Cash+ $500 -Cap1 QuickSilver $500 (closed)
AAoA: 11 months - AoA 29 months - Uti ~1%
Message 6 of 14
Cred4All
Valued Contributor

Re: Citi Premier & US Bank Flexperks Visa approval

Congrats on the approvals!


Message 7 of 14
GApeachy
Super Contributor

Re: Citi Premier & US Bank Flexperks Visa approval

Congrats on the approvals!!!

"My Take Home Pay Don't Take Me Home"
Message 8 of 14
seattlecredit08
Frequent Contributor

Re: Citi Premier, USB flexperks & BofA approval


@My_Credit_Journey2016 wrote:
Updated : BofA approved.
2 days after I was 0/6,16/24, AAoA 1 year 1 month, ult 1%, FiCO 772-789, I decided to apply for several cards.
_ US bank flexperks Visa - Instantly approved $15K.( having cash+ with $500 cl for 14 months, was able to use the same pull to get it to $1k over the phone. I laughed when csr told me congratulations my cl was increased to $1K. I asked her I was just approved for $15K SL and now I only got $500 cli. She does not know but will request a manual review.
_Citi Premier -approved instantly for $7.3K
_ BofA Premium reward : pending review. I called and CRS told me to wait as nothing she can do. Update : Approved for $13k
Barclay arrival - denied after recon because 16/24. I know they will combine multiple pulls so I requested CLI and was denied again with the same reason. Next days, pulls were combined.
US bank and Barclay pulled TU. Citi and BofA pulled Ex

BIG Congrats on the approvals!!

 

Very interesting on Barclay's CLI. Has anyone had a similar experience? I get it that for new card approvals, issuers often apply some sort of an X / 24 rule but has anyone had a similar experience witha CLI and getting CLI denied due to too many accounts?

 

Thanks!

Message 9 of 14
xaximus
Valued Contributor

Re: Citi Premier, USB flexperks & BofA approval

Congrats on the approvals!


Scores - All bureaus 756 +
TCL - Est. $275K
Message 10 of 14
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