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Citi Rewards+ 0% purchase & BT 15 months

Chasing700
Valued Member

Citi Rewards+ 0% purchase & BT 15 months

I tried the preapproval for Citi cards and was offered the Double Cash, Premier and Rewards+. All with 0% BT with 3% fee for 15 months. The Rewards+ was also 0% on purchases for 15 months.

 

I wasn't looking for a points transfer card and the 0% on both purchases and a BT were enticing. I wasn't 100% certain how solid the preapproval was even with a solid APR instead of a range. I said to myself "Nothing ventured, nothing gained" and applied. I was rather shocked that it came back with an instant approval! What really set off the squealing was the CL of $3,300. I know that isn't much to many on here but my previous high limit was only $1,250 on a Capital One Quicksilver (which hasn't a CLI in 2 years). I was certain it would be a $500 or $1,000 CL if I were to be approved. I went from $3,800 in available credit to $7,100. 

 

I applied for the card last week and today I got a credit alert that a new card was added to my Experian report. I went to check and not only was it added, my score has increased 10 points as a result of my utilization dropping from 24% to 13%. 

 

I wish I could give everyone here a hug and a thank you. From the hundreds of posts I've read full of data points to all of the people who have PM'd me information and advice, this forum (and its users) has been an amazingly helpful resource. 

Message 1 of 12
11 REPLIES 11
AllZero
Super Contributor

Re: Citi Rewards+ 0% purchase & BT 15 months

Congratulations on your approval!

Where does the line start to get hugs?
Message 2 of 12
ZackAttack
Frequent Contributor

Re: Citi Rewards+ 0% purchase & BT 15 months

Congratz on the card. I know Citi DC or PayPal CB is on my list to get but that will be a while.

 

In the meantime, my highest line before July is 2,300 and Best Buy (Co Citi) shocked me by giving me a 3,000 CL when I had 42% ult on my file. :eyes:

 

At the moment, I am charging up, waiting for my CU to update the 2k CLI, and waiting for Dec to come so I can take another stab at Amex for the 3x CLI.

MSGCU Rewards | $5k | 10/2/2020 | 9.25% APRDiscover Cash It | $4,550 | 1/4/2019 | 12.99% APRAmex 1.5% CB | $3.9k | 7/3/2019 | 20.99% APRBest Buy Store Card | $3kChase Freedom Flex | $1.2k | 4/10/2020 | 14.99% APRDiscover Cash It | $1,500 | 10/2/2020 | 11.99% APRCiti DC | $3.5k | 10/14/2020 | 16.99% APRDCU Platinum | $8k | 10/21/2020 | 8.5% APRNFCU cashrewards | $5.7k | 1/2/2021 | 16.99% APRNFCU Plat | $18.2k | 4/17/2021 | 10.99%

Loans
Ford Credit Car Loan 3-year 7/31/2018 ($199.26/month)
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 ($155.38/month)

Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020

Banks
 MI Schools & Gov't CUDCUNavy Federal Credit UnionChase BankAOD FCUDiscover BankGenisys CU
Message 3 of 12
UH_HUH
Valued Contributor

Re: Citi Rewards+ 0% purchase & BT 15 months

That had to feel good! Congratulations

on expanding your credit horizons.

Enjoy your success,

Cheers

Message 4 of 12
AnimalHouse121
Valued Contributor

Re: Citi Rewards+ 0% purchase & BT 15 months

Congrats on your Citi approval!!
Message 5 of 12
JoeLuvsHisCredit
Valued Contributor

Re: Citi Rewards+ 0% purchase & BT 15 months

Congrats OP

(------------------------ Hugging you back. Thanks for the hug hehe i needed one Smiley Happy

Message 6 of 12
Drwaz99
Established Contributor

Re: Citi Rewards+ 0% purchase & BT 15 months

Nice! Congrats!

US Bank Altitude Reserve 18.1k
Chase Freedom Unlimited 18.5k
Chase Freedom 11.7k
American Express Bonvoy Brilliant 22.5k
American Express Bonvoy Business 20k
American Express Amazon Business Prime 14k
Barclays Aviator Business 5k
Citibusiness AAdvantage 11.9k
Citi Double Cash 15k

Fico 8s as of 06/10/2021:




Message 7 of 12
CreditMama91
Contributor

Re: Citi Rewards+ 0% purchase & BT 15 months

Congratulations OP. Enjoy your new cards. It would be helpful if we could get some more data points on your scores at point of the application.
Scores before rebuild 01/20/2019 - EX@544 EQ@533 TU@532
Current Scores 3/25/2020 - EX@695(21) EQ@676(14) TU@733(18)
Amazon Store card - $3000; IKEA Projekt - $9600
Amex Gold - NPSL; Amex Delta Gold - $1000; Amex Hilton Honors - $1000; Barclays Apple Visa - $700; BMO CB Mastercard - $3800; BMO PR Mastercard - $3800; Capital One QS1 - $2600; Capital One QS1 - $750; Chase Marriott Bonvoy - $5000; Paypal CBMC - $5000; DuPage Inspire VS - $5000; BCU CashBack CC - $9000

Util - 8%
Message 8 of 12
Chasing700
Valued Member

Re: Citi Rewards+ 0% purchase & BT 15 months


@CreditMama91 wrote:
Congratulations OP. Enjoy your new cards. It would be helpful if we could get some more data points on your scores at point of the application.

My arms are getting tired from all these hugs! 

 

I was approved with:

EQ: 648     TU: 643     EX: 628

 

Utilization 16% (1 card at 58%, 1 card at 1%, other cards at 0%)

Inquiries: 1 (Equifax)

Report pulled: Equifax

Collections: 2 medical on Equifax report

Message 9 of 12
doinit1
Valued Contributor

Re: Citi Rewards+ 0% purchase & BT 15 months

Congrats on your approval!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700
Message 10 of 12
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