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Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

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Frequent Contributor

Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

I was hoping for the MasterCard version, but hey, I'll get what I get and be grateful! I am also pleasantly surprised about the $800 limit (which is good for someone like me!).

 

Shell-Approved-MyFICO.jpg

I use too much gas these days and Shell's 10 cents off a gallon seems tempting. Gas prices are not too high here so that 10 cents can end as high as 4-6%. Still, I know there are better options, but eh, I'm happy, especially with the highish limit (for my standards) which will help my overall utilization. Interest is high, but I don't plan on carrying a balance.

 

DATA POINTS:

They pulled Experian, FICO 8, score of 667.

High util (70%, gradually going down, is from some closed CCs that I am paying off from a low-interest payment plan)

A 10-month-old 90 day late

low income ($23K)

Long credit history, long AAoA

 

This is a card that I will actually use. As I said, I was hoping for a Mastercard but this will still be okay. I'm just glad it was approved!

 

I am closing my Green Dot secured card shortly and hope to apply for a Navy Federal AMEX soon (for the 3% off gas and groceries).


Overstock $7,750, Walmart $2.5K, Discover IT Cash Back $2.4K, Navy Fed cashRewards $5K, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17K, AMEX Cash Magnet $1K, Citizens Bank Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 697, EX 690   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal
11 REPLIES 11
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Moderator

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

Grats on the card. At less than 2 a gallon its a better card to have than one at 5% rebate for gas.

Message 2 of 12
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Valued Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

Sounds good, as long as it suits your needs. I have the Shell Fuel Rewards card, which is not a payment/credit card, just a loyalty card that gives a 5-cent/gallon discount. Congrats!

 

Edited to add: I originally thinko'd it as a 5% discount ... it's a 5-CENT discount!


No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $90,200, not counting the AU card. The AU card brings the total to $115,200. In March 2019, card CLs totaled $0.

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | American Express Delta Gold, $1,000, 09/19-10/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 3 of 12
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Frequent Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!


@gdale6 wrote:

Grats on the card. At less than 2 a gallon its a better card to have than one at 5% rebate for gas.


Thanks!

 

I did some math and yes, at $2 a gallon or less it's pretty good. I am on an existing Shell Rewards program where I get 5 cents off already. It looks like it would be about the same to use this card as it would be to use a 3% off gas card with the 5 cents off Shell rewards program. (I don't think I can qualify for any 5% off gas cards right now.) So I'm not losing out by using it and I get the $800 added credit limit (which means a lot to me!).


Overstock $7,750, Walmart $2.5K, Discover IT Cash Back $2.4K, Navy Fed cashRewards $5K, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17K, AMEX Cash Magnet $1K, Citizens Bank Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 697, EX 690   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal
Message 4 of 12
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Frequent Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!


@KJinNC wrote:

Sounds good, as long as it suits your needs. I have the Shell Fuel Rewards card, which is not a payment/credit card, just a loyalty card that gives a 5% discount. Congrats!


Thanks. I have that Rewards card too. I would have preferred the MC but beggars can't be choosers! I'll definitely be using the card, that's for sure!


Overstock $7,750, Walmart $2.5K, Discover IT Cash Back $2.4K, Navy Fed cashRewards $5K, Shell (Citi) Fuel Rewards $800, Navy More Rewards $17K, AMEX Cash Magnet $1K, Citizens Bank Cash Back $2.8K, Amazon Store Card $4.2K, Cap1 QS $1.1K, FBNO Visa $1.6K, AMEX Blue Cash Preferred, $8K, eBay MC $800 (RIP Green Dot Platinum Secured)
Current FICO8: EQ 700, TU 697, EX 690   Current FICO9: EQ 715, EX 714
Goal for December 2019: FICO8 640-700 (reached! Fico 681!) | Goal for December 2020: FICO8 685-700 (Reached! 690!) | Goal for December 2021: FICO8 700-740
Starting Score: 539  Current Score: 690  Goal Score: 760
My credit recovery journal
Message 5 of 12
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Epic Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

 

"Citi Shell Fuel Rewards Gas (store) Card Approved for $800!"

 

 

Message 6 of 12
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Valued Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

I just realized I said the loyalty card gives a 5% discount - it's a 5-cent/gallon discount - just so nobody reads this and gets overexcited Smiley Happy


No derogs, but tons of inquiries and heavy credit-seeking behavior. In March of 2019, I had no open accounts, a charge-off, two collections, and scores in the low 500s. What I call the "thick build method" worked for me, but may not work for every situation.
Cards

Authorized user / Corporate / Auto loan / Personal loan

Card CLs total $90,200, not counting the AU card. The AU card brings the total to $115,200. In March 2019, card CLs totaled $0.

Closed but still on reports: ExxonMobil, $950, 10/08-02/11 (Equifax only) | American Express Delta Gold, $1,000, 09/19-10/20 | Citi secured, $200, 04/19-09/19 | Capital One secured, $300, 04/19-08/19 | My Jewelers Club, $5,000, 05/19-08/19 | Green Dot Primor, $300, 05/19-08/19 | Self Lender secured $500 loan, 04/19-01/20 | Unsecured personal loan from Coastal, $1,000, 06/19-08/19.
Message 7 of 12
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Epic Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!


@KJinNC wrote:

Sounds good, as long as it suits your needs. I have the Shell Fuel Rewards card, which is not a payment/credit card, just a loyalty card that gives a 5-cent/gallon discount. Congrats!

 

Edited to add: I originally thinko'd it as a 5% discount ... it's a 5-CENT discount!


I just got $0.30 cents off a gallon last night, with a Citi Shell MCSmiley Happy (FR Gold Status)

 

 

 

 

Message 8 of 12
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Community Leader
Mega Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

Most excellentSmiley Happy
Message 9 of 12
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Community Leader
Valued Contributor

Re: Citi Shell Fuel Rewards Gas (store) Card Approved for $800!

I have the regular fuel rewards card for 5 cents off per gallon but I know during college football season and on Tuesdays only, this goes to 10 cents off per gallon.  I wonder if it is just a local thing or others have this offer.

 FICO 8
Message 10 of 12
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