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Citi rewards + 5400 sl. Pre selected to apply

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Citi rewards + 5400 sl. Pre selected to apply

Got my 2nd pre selection from Citi this week first was for the diamond card.
I ended up taking the Citi rewards + 15,000 ty points sub. I was instantly approved with my highest revolving cc limit by far 5400! (3000cl DCU Visa closest cc). Had a 23 apr after promo..but I have seen approvals on here with similar or worse profiles and figured I'd get a decent sl. After the first 1000 is spent I'll most likely be using it for small purchases but do want to PC to DC next year so I'll put decent spend on it..
I would have waited for better a DC offer but usually no SUB. So hopefully next year after my Disco 2% runs out I'll be able to PC my rewards + To the DC.
Loving me some CITI right now!!
I did deposit 15,000 in Citi bank account when I opened last month for the 500 bonus..
Dps-
Uti-7
Pulled Tu. 2 scoreable inquiries Great for me but shocked..
Aaoa 10
Aoya 2months 2 cards.
Aooa 25
Oldest cc- 15
9 open 5 closed accounts all but 1 in past 2 years. Most were opened past 16 months.
With this sl makes me want to get the Diamond card I was pre selected for...is that to gready? My aaoa will only be affected by less than one month..
I shouldn't. Thanks 😊


br>Starting score(February 2018)-520
Current Score: FICO 8- 735EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



10 REPLIES 10
Moderator

Re: Citi rewards + 5400 sl. Pre selected to apply

Grats on your new Citi card!
"If there's a lack of money in your life, understand that feeling worried, envious, jealous, disappointed, discouraged, doubtful or fearful about money can never bring more money to you, because those feelings come from a lack of gratitude for the money you have."

"Reactions are powerful creators because they contain every element needed to manifest—they're a combination of thought, belief, and feeling in action. Positive reactions create more positive things, and negative reactions create more negative things. If you can respond to negative situations calmly and lightly, instead of with emotional turbulence, what happens next in your life will be so much better."

- Rhonda Byrne

Message 2 of 11
Moderator Emeritus

Re: Citi rewards + 5400 sl. Pre selected to apply

@dtk6802carefully weigh cards like the Citi Diamond Preferred. Unless you have a need for the BTs it is relatively useless with no real rewards. Citi has other cards such as the Rewards+ which you just signed up for, Double Cash and many travel cards that gives you real rewards and Thank You Points or Cash. Congrats on your approval! Smiley Happy

Starting Score: 300
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 3 of 11
Frequent Contributor

Re: Citi rewards + 5400 sl. Pre selected to apply

@dinosaur ty Honestly the comment u made about comparing it to Disco in ways stuck in my head. Lol ty. I had a good feeling about the starting limit.
I shouldn't have even wrote about the diamond card I knew I didn't want it I was pumped because my rewards+ starting limit may nudge my other lenders to give CLI.
I mostly got the card figuring I just got two cards in May figured why not have 3 age together.
Apr- thats what credit unions are for. No I'll be slowly plucking away at all my cards apr whenever possible. Thanks again dinosaur.
br>Starting score(February 2018)-520
Current Score: FICO 8- 735EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 4 of 11
Super Contributor

Re: Citi rewards + 5400 sl. Pre selected to apply

Congrats!!!

Message 5 of 11
Valued Contributor

Re: Citi rewards + 5400 sl. Pre selected to apply

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Citi Rewards approval, the Very Nice Sl, and Welcome to the Citi family!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $15.5K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $114K+ | Rebuilding since April 2018
Message 6 of 11
Valued Contributor

Re: Citi rewards + 5400 sl. Pre selected to apply

Nice SL, congrats on the approval!



Message 7 of 11
Frequent Contributor

Re: Citi rewards + 5400 sl. Pre selected to apply

Ty all.
I did not plan on doing any BT with this card. But I'm interested in depositing it to my bank account if anything the interest will offset the bt fee...
Say I did a 1000 balance transfer to my bank account would they look at it the same or similar as if I did a normal bt? What I'm asking is would it help my card growth more if I did this bt than if I did no bt? I want to make sure to put enough spend on each card to keep credit limits.
I didn't expect a 5400 sl and I don't want my limits slashed. I plan to put 300-600 spend/ month through this card... Is this enough? I could put much more through card per month but also want to Max rewards.
This card will take over for my cap1 QS card. I know I'll lose a tiny tiny percent of cb but that card is stuck at 500..
Will put a charge on qs every 2-3 months to keep open..
Am I over thinking this bt thing? Will my credit limit get slashed if I only use this card for small purchases? Even though that is obviously what the card is made for. Thanks
br>Starting score(February 2018)-520
Current Score: FICO 8- 735EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 8 of 11
Community Leader
Super Contributor

Re: Citi rewards + 5400 sl. Pre selected to apply

CongratsSmiley Happy if you go for Diamond, give it at least a week ( 8 days +) or two before tryingSmiley Wink
#ChaseCreditCardHobby Enthusiast
2022
!
Message 9 of 11
Frequent Contributor

Re: Citi rewards + 5400 sl. Pre selected to apply

It honestly did cross my mind for a moment thinking it would be a decent starting limit but don't have any other use for card.
I have heard alot about people having to take a 2nd hard pull after approval to get best credit limit with citi. Since this is my highest card I don't know how much luck I would have. Maybe that's only if you have other cards at say 10k and Citi gives you a 3k sl...
I am very happy with my limits on my cards, and hope to never need to Max out cards, but you never know.
I don't know if I should push the growth of my cards right now or not but it's what everyone does right? I know my cards will grow but right now I put anywhere between 3-6k/ month through all my CC's and store cards. Most goes to Amex gold, and my 2nd Disco. 3-500/month w/ Amazon store card. Is 3-6k spend/month enough for my 26,000 total revolving credit limits??
I'm done with applying for this year, working on growing Amex, Disco , and Citi cards, I thought I would have CAP1 out of my life but now they will own Amazon store card soon...O well
br>Starting score(February 2018)-520
Current Score: FICO 8- 735EX, 755TU, 758EQ, *GOAL*(Raise EQ mortgage to 730)..MORTGAGE-EQ-705,EX693.
Goal Score: 775 by (03/2020)
Buisness CC- Amex Amazon Prime Biz(125 GC, the 100$@3k spend not worth it)10/26/19- 3500
Amex SimplyCash Plus® -6/26/19- 1300-
Amex Blue Business Plus Card (10kMR'S)-6000-8/6/19-
Personal Cc's
11/2/19- Cap1 Venture(50k sub)-5000
10/25/19-Sams Club MC-(55$ OFF SUB) 4500
9/17/19- Citi® / AAdvantage® Platinum Select® WEMC(50k AA miles)-9/17/19-7500 sl.
7/19 Citi rewards+(wmc)(15K TYP) 5400sl-6900cl
5/19- American Express® Rose Gold Card(50KMR'S)-NPSL(25000-pot), 5/18-1st Disco It (unsecured Nov 18)(500$ TOTAL w CB match)- 2000 , 5/19-2nd Disco it- 2000SL-4000CL
6/18-Dcu-3000-
12/18 Amazon(gift card SUB)- 500-2500-6000--10,000 cl AND-Walmart (store cards)-250sl-1000-5000-6000cl, 2/19-Home depot- 500sl-2000cl-
6/18-dcu2.74 Auto loan(43% paid off)
Sub to hit = Venture card 50k/3k spend
Goal score 800



Message 10 of 11
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