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Citizen's Bank Cash Back Plus World MC

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Frequent Contributor

Re: Citizen's Bank Cash Back Plus World MC


@Aim_High wrote:

@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


Thanks, and agreed.  The problem is I got spoiled with Amex giving me over a 10k limit when my only card was a $500 Cap1.. Lol

Capital One refuses to budge on a CL until my overall utilization drops so the plan for now is to knock my balances down, hope for a few CLI's and eventually drop the dead ends.   Citizen's Bank is going to replace my Capital One usage. Maybe they'll be more appreciative of me PIF every month.

- 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 11 of 14
Frequent Contributor

Re: Citizen's Bank Cash Back Plus World MC


@MrCreditInternational wrote:
I just applied for the card without an offer. Pray for me Smiley Happy

Anyone knows how their CLI system works?

Lol. Fingers crossed! They pulled Equifax and yours is better than mine right now. .but I only had 2 hits on EQ.  It took like a week for me to get the approval email if it makes you feel any better. I had to call and ask what my CL was.

Not sure about the CLI.  Guess we have some searching to do.

- 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 12 of 14
Regular Contributor

Re: Citizen's Bank Cash Back Plus World MC

My EQ score rn is around 680 for some reason, but the number of inquiries is accurate. I'm also LOL/12 with AoOA of 10 months. I'm really hoping for a miracle 😂😂
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 13 of 14
Regular Contributor

Re: Citizen's Bank Cash Back Plus World MC

Great!  They're not known for their huge SL

Message 14 of 14
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