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Citizen's Cash Back Plus cli using SP

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raisemysc0re
Established Contributor

Citizen's Cash Back Plus cli using SP

I'm on a bit of a SP roll.

After finishing up with FNBO on a SP cli of $3,500 I decided to try one  of my cards I actually use.

Called Citizen's Bank Credit Card Customer Service and they were about to try a HP for a cli but I said no, check offers first...

Increase of $5,100...

CL went from $8,000 to $13,100

Hmm. what's next?

Barclay's... I have a CL of 9K with them and don't use them often but they just gave me 7 months 0% APR.

So I put 4K through them 2 months ago and made a few large spread out payments. Made the last $750 payment today.

I hope they give me something with a SP???   

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 11/12/24):

Current Fico10 Scores (Updated 11/12/24):


Message 1 of 11
10 REPLIES 10
M_Smart007
Legendary Contributor

Re: Citizen's Cash Back Plus cli using SP

Congratulations on your Increase!!!

Message 2 of 11
gdale6
Moderator Emeritus

Re: Citizen's Cash Back Plus cli using SP

Good show there with Citizens, enjoy it Smiley Happy

Message 3 of 11
AllZero
Mega Contributor

Re: Citizen's Cash Back Plus cli using SP

Congratulations on your CLI!
Message 4 of 11
CreditAggie
Community Leader
Super Contributor

Re: Citizen's Cash Back Plus cli using SP

Congratulations on your Citizens CLI!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (September 2025):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 5 of 11
Ficoproblems247
Valued Contributor

Re: Citizen's Cash Back Plus cli using SP

That's awesome! They sent me a pre-approval mailer for that card some months back but I never pulled the trigger due to having the DC. Every time I see that card I love the way it looks, the shiny green is so cool! Congrats on your SP success with them! When I looked into the card earlier it sounds like not everyone else gets those. 



FICO 8 EX 836 EQ 838 TU 831
TCL $223,100
Message 6 of 11
cashorcharge
Community Leader
Super Contributor

Re: Citizen's Cash Back Plus cli using SP

Congratulations on your approval!  I haven't seen a SP CLI offer myself or from other posters on a Barclay account in a while.  Good luck

Message 7 of 11
raisemysc0re
Established Contributor

Re: Citizen's Cash Back Plus cli using SP


@cashorcharge wrote:

Congratulations on your approval!  I haven't seen a SP CLI offer myself or from other posters on a Barclay account in a while.  Good luck


No luck on the Barclay's CLI via SP but when I pressed a little the rep told me he would put me on list of accounts that get reviewed for CLI and APR reduction offers.

Not sure there is such a list or not but we will see... 

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Starting Scores (06/2016):

Current Fico8 Scores (Updated 11/12/24):

Current Fico10 Scores (Updated 11/12/24):


Message 8 of 11
zerofire
Valued Contributor

Re: Citizen's Cash Back Plus cli using SP

Congratulations on your new found liquidity!

 

I am so surprised that Citizens Bank actually has any SP options. I have one of their cards and it has always been an HP monster. Really turned me off feeding it more once I got an acceptable CL. I am going to have to see what offers they have for me now.

TU:816 12/19/24 Bank of America--EX: 809 01/03/25 Experian--EQ:836 01/06/25 myFICO--Gardening since N/A
Active:
Bank of America (Customized Cash Rewards VSC, Unlimited Cash Rewards WMC{PT}), Capital One (Discover It DC, Savor WEMC), Chase (Amazon Prime VSC, Freedom Flex WEMC [x2]), Citi (Custom Cash WEMC, Dividend MC), Citizens GreenSense WMC, Curve WEMC{S}, FNBO Ducks Unlimited VSC, GBank VSC, Imprint Rakuten AC,PenFed Pathfinder Rewards VSC, Santander Ultimate Cash Back WMC, Synchrony PayPal Cashback WMC, UMB Simply Rewards VSC[Milford Federal], US Bank (Cash+ VSC [x2], Kroger Rewards WEMC, Pick n Save/Metro Market Rewards WEMC, Shield VC)
Wishlist: AAA Daily Advantage, AOD Signature, Aven, Bellco Colorado Rewards, Nusenda Platinum Cash Rewards, PCMCU Platinum Rewards, Redstone FCU Signature
Message 9 of 11
Meanmchine
Super Contributor

Re: Citizen's Cash Back Plus cli using SP

Congrats on your SP CLI !

>3/2016 EX 644 CK-TU 642 CK-EQ 660 WalMart- 671.
>7/2025 All 3 reports 830 - 845(F8) F9s = all 850 but my app finger is still twitching
Message 10 of 11
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