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Citizens Bank Clear Value MC Approved sl 500$ :(

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
Regular Contributor

Citizens Bank Clear Value MC Approved sl 500$ :(

Anyone else apply for one of there cards does it grow fast , cli ext ?


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Message 1 of 11
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Community Leader
Senior Contributor

Re: Citizens Bank Clear Value MC Approved sl 500$ :(

Citizens is HP for everything for the most part... Though some folks on past cards have gotten an occasional Auto CLI....

 

 

Message 2 of 11
Senior Contributor

Re: Citizens Bank Clear Value MC Approved sl 500$ :(

Congrats on your approval !!!!!

 

3-2019 / Fico 8 EX 802 , EQ 803 , TR 805
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 3 of 11
Moderator

Re: Citizens Bank Clear Value MC Approved sl 500$ :(

Ummmm congrats?! I dunno if this might be giving you a pretty good idea of how some lenders are starting to look at your overall profile. From reading your other threads, was it 61 inquiries on a single CRA or overall?

Well, at least an approval, but nothing like BBVA 😁
Message 4 of 11
Senior Contributor

Re: Citizens Bank Clear Value MC Approved sl 500$ :(

Congrats!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 5 of 11
Regular Contributor

Re: Citizens Bank Clear Value MC Approved sl 500$ :(

They pulled from a diffrent Credit report equifax with way less (inq) only 26 old not even recent so i think some lenders under writers or just dumb but i only app'd out of curiosity to see if i could do a balance transfer but i guess not 

 

the bbva will keep me in the garden for a while Smiley Wink


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Message 6 of 11
Established Contributor

Re: Citizens Bank Clear Value MC Approved sl 500$ :(

Citizens Bank is known for two things. Being very helpful to their civilians and being very conservative in their underwriting. I think that both of those might have played a part here.

 

Having 20+ inquiries is considered fatal in most conservative banks. Citizens pulled 500 for you as a courtesy so that you will at least be a customer. I remember getting a very small SL of 3275 or something on my GreenSense and that was on an outstanding profile.

 

Citizens does not do bucketing. They will allow your card to grow. You might need to feed it some HP's but it will grow.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 10/15/18
Active:
Bank of America (Bankamericard M, Better Balance Rewards M, Cash Rewards VS), Blispay V, Capital One Quicksilver VSC, Chase(AARP VSC, Amazon Prime VS, Freedom VSC), Citi Dividend M, Citizens GreenSense M, Discover It, FNBO Ducks Unlimited VS, FedEx Employee Credit Association V, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M, Walmart M), US Bank Cash+ VS
Wishlist: Barclaycard Uber, Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, UMB Bank Simply Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 7 of 11
Regular Contributor

Re: Citizens Bank Clear Value MC Approved sl 500$ :(

I’ve had my Citizens Cash Back Plus for about 6 weeks now. They sent me a prequalified offer in the mail, and I stopped into a branch to do the application. Approved, $7400 SL, and a $100 SUB after spending just $500. They must’ve liked something in my profile in spite of all the new credit I’ve added since last fall (this was my 12th new revolver since then).

At $7400, I don’t anticipate needing to ask for a CLI for quite a while.
Message 8 of 11
Regular Contributor

Re: Citizens Bank Clear Value MC Approved sl 500$ :(

I should also note that I’d opened a checking account with them less than a month before, but I have no idea whether that helped me. They pulled EQ only.
Message 9 of 11
Established Contributor

Re: Citizens Bank Clear Value MC Approved sl 500$ :(


@5KRunner wrote:
I should also note that I’d opened a checking account with them less than a month before, but I have no idea whether that helped me. They pulled EQ only.

It could have. I also opened an account at the same time as when I got my card. If you funneled a largish income into that account they could have happily given a larger SL.

TU:795 10/08/18 Synchrony--EX: 758 10/26/18 Discover--EQ:810 09/25/18 Citi--Gardening since 10/15/18
Active:
Bank of America (Bankamericard M, Better Balance Rewards M, Cash Rewards VS), Blispay V, Capital One Quicksilver VSC, Chase(AARP VSC, Amazon Prime VS, Freedom VSC), Citi Dividend M, Citizens GreenSense M, Discover It, FNBO Ducks Unlimited VS, FedEx Employee Credit Association V, Synchrony Bank(PayPal Credit, PayPal 2% Cashback M, Walmart M), US Bank Cash+ VS
Wishlist: Barclaycard Uber, Bellco Colorado Rewards, EBates, Marvel, Nusenda Platinum Cash Rewards, PenFed Pathfinder, Security Service Power Travel Rewards, UMB Bank Simply Rewards, Vantage West Connect Rewards, Wells Fargo Propel
Message 10 of 11