cancel
Showing results for 
Search instead for 
Did you mean: 

Citizen's Bank Cash Back Plus World MC

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
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
Moderator

Re: Citizen's Bank Cash Back Plus World MC

Grats on the Citizens card Smiley Happy

"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 14
Community Leader
Super Contributor

Re: Citizen's Bank Cash Back Plus World MC

GratsSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 3 of 14
Regular Contributor

Re: Citizen's Bank Cash Back Plus World MC

Congrats on the new card.

Message 4 of 14
Senior Contributor

Re: Citizen's Bank Cash Back Plus World MC

Congrats!!!

Message 5 of 14
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
Established 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




Total Length of Credit = 35+ years; AoOA (Currently open accounts) = 26+ years;
AAoA = 9.5+ years; AoYA = less than 1 year (Aug 2019)
Total Open Credit Lines Over $400K. Utilization Less Than 1%. Inquiries until May 2020 (TU:1 -- EQ:0 -- EX:5)
*Hover cursor over each card to see name, CL
Message 7 of 14
Valued Contributor

Re: Citizen's Bank Cash Back Plus World MC

Congrats on your Citizen's Bank MC approval!






Message 8 of 14
Regular 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 Gold (NPSL); Amex Green (NPSL); Charles Schwab Investor (27.6k); PNC CR (17.5k); HSBC Premier WEMC (11k); Amex BBP (9k); Macy's Store (8.5k); AEO Visa (8k); GAP Visa (8k); HSBC Advance (7.5k); B&H Payboo (6k); Amazon Store (6k); PNC Premier Traveler (5k); Discover It (4.2k); Nordstrom Store (4k); Apple Card (2.5k); Discover It (1.5k); Delta Platinum (1.4k); Amex Everyday (1k); BofA CR (1k); Citi TYP (1k); TJX MC (0.8k); Deserve Edu (0.5k)
Started collecting cards: Oct/2018
Inquiries: EX (25); TU (24); EQ (16)
Got all the cards I need, so all reports are frozen until Nov/2020 for Altitude Reserve or Amex Plat 100k offer Smiley Tongue
Message 9 of 14
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)
Message 10 of 14
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.