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Citizen's Bank Cash Back Plus World MC

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Frequent Contributor

Citizen's Bank Cash Back Plus World MC

I killed my score a couple of months ago with an app spree. Then I got a Pre-Approval offer from Citizen's Bank. It seems a lot of people have been getting them lately so I wasn't that special. I thought I got one becuase I had recently opened a checking account with them to get a $300 bonus... lol

Score was probably low 700's if not lower.
$1,600 approval. Better than a denial.
Definitley done after this before the toy limits get out of control.



- 3/17 Cap1 Secured $200 and $500 as of 9/17
-10/17 Amex Blue Cash Awards. $15,700
-12/17 Discover It $2,400
- 2/18 Cap1 Unsecured. Quicksilver NO CLI.
4/19 Cap1CL $1,000
1/18-4/19 Garden. No loans. Rebuilding.
- NFCU Platinum $1,000
- Citi Simplicty $6,000
- Amazon Prime Rewards $5,000
8/19 Citizen's Bank Cash Back World $1,600
8/19 Burying self in garden.
Message 1 of 14
13 REPLIES 13
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Moderator

Re: Citizen's Bank Cash Back Plus World MC

Grats on the Citizens card Smiley Happy

Message 2 of 14
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Community Leader
Mega Contributor

Re: Citizen's Bank Cash Back Plus World MC

GratsSmiley Happy
Message 3 of 14
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Frequent Contributor

Re: Citizen's Bank Cash Back Plus World MC

Congrats on the new card.


Message 4 of 14
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Epic Contributor

Re: Citizen's Bank Cash Back Plus World MC

Congrats!!!

Message 5 of 14
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Valued Contributor

Re: Citizen's Bank Cash Back Plus World MC


Congrats! A win is a win, doesn't matter what the score is!

















Your FICO credit scores are not just numbers, it’s a skill.

Message 6 of 14
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Valued Contributor

Re: Citizen's Bank Cash Back Plus World MC


@AltCtrlDelMyScores wrote:

$1,600 approval. Better than a denial.
Definitley done after this before the toy limits get out of control.


Smart.  I believe that part of growing to higher credit lines is getting rid of those holding back your average, as well as leveraging higher limits against each other.  Banks don't like to be first but they also don't like to fall behind their competition.  Lol ...

 

Congrats on the new card!  And welcome back to the garden ... Smiley Wink



Updated 10/08/2020
Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 27+ years;
AAoA = 8+ years; AoYA = less than 1 year (Aug 2020)
Total Open Credit Lines Over $538K. Utilization Less Than 1%.
Inquiries until Nov 2020 (TU:3 -- EQ:4 -- EX:9)
New Accounts: 3/6 months; 8/12 months; 12/24 months (as of 10/15/20)
*Hover cursor over each card to see name & CL, or press & hold on mobile app.
Message 7 of 14
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Senior Contributor

Re: Citizen's Bank Cash Back Plus World MC

Congrats on your Citizen's Bank MC approval!




Message 8 of 14
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Frequent Contributor

Re: Citizen's Bank Cash Back Plus World MC

I just applied for the card without an offer. Pray for me Smiley Happy

Anyone knows how their CLI system works?
Amex Platinum (NPSL); Amex Gold (NPSL); Amex Green (NPSL); HH Surpass (36.6k); Amex BBP (27k); B&H Payboo (25k); HSBC Premier WMC (14.5k); HSBC Advance (7.5k); Rakuten Visa (5k); Nordstrom Store (4k); Discover It (3k); Apple Card (2.5k); Amex Everyday (1k)
Started collecting cards: Oct/2018
Inquiries: EX (27); TU (31); EQ (17)
Message 9 of 14
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Frequent Contributor

Re: Citizen's Bank Cash Back Plus World MC

Nicely done! I was hovering over their card apps recently but BOA decided ..... they like me after all lol. 

 

$1600 better than a denial ..... you are absolutely right. 


AMEX Gold / Home Depot CC $3K/ Discover IT Chrome $2K SL / PayPal MC $2K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1000 / Blaze MC $1500 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $16150 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
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