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Citizens Cash Back Plus World MC

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Regular Contributor

Citizens Cash Back Plus World MC

A few weeks ago, I opened a Citizens One Deposit checking account to take advantage of a $200 bonus offer. This afternoon, I received a Cash Back Plus MC prequal offer in the mail, so I took it to the bank to make sure it was a solid offer before wasting an INQ.

The banker pulled up my records and made a few corrections to my address - it seems that their system had the wrong zip code, which might’ve resulted in a decline - and is probably the reason the offer was prequaled rather than preapproved.

After making the necessary corrections, he submitted the app and it came back with a SL of $7.4K and APR of 20.99% (their middle tier).

According to the banker, they pull EQ exclusively, but I haven’t seen it show up on my report yet (and the same thing happened earlier this week when I apped Huntington Voice). Fortunately, EQ has the fewest INQs of all my reports - only 4 (now 5).

Oh, nearly forgot - it’s 1.8% CB on everything - no quarterly categories or spending limits. And they gave me a targeted $100 CB bonus with $500 spend in 90 days. Not bad!
Message 1 of 15
14 REPLIES 14
Regular Contributor

Re: Citizens Cash Back Plus World MC

I'm jealous lol wasn't offered SUB but did get 9.7k Smiley Happy
Kohl's $2.5K | Cap1 QS $2K | Cap1 Savor 16K | Target Redcard $1.8K | Citi DC $6.4K | Dick's Scorerewards $10K | Amex BCE $1K | Amex ED $10.2K | Amex Schwab Platinum NPSL | Rakuten 2K | WF CashWise VS $9K | Discover IT $4.8K | Disco IT Miles (#2) 2K | Citizen's Bank Cashback Plus WMC $9.7K | Fidelity Rewards VS $5K | USBank Cash+ VS $5K | BBT Spectrum Cash Rewards VS 7.5K | BBT Bright 5K | BBVA ClearPoints 7.5K | 10-19 EX 703 | TU 706 | EQ 741
Message 2 of 15
Community Leader
Valued Contributor

Re: Citizens Cash Back Plus World MC

Congrats! Nice SL!

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
~~~~~~~~~~~~~~~~~~
Once you go Berner, you never go back.
Message 3 of 15
Regular Contributor

Re: Citizens Cash Back Plus World MC

I'm so envious of you guys, I've just about had it with Citizens, gimme the damned card already lol. In all seriousness though, congratulations on a great get and snagging that SUB! Excellent work.

NFCU CashRewards 19.1k, IKEA Projekt 19k, BECU Cash Back Visa 15k, NFCU More Rewards 14.5k, Wayfair 13k, NFCU Plat 11.8k, AmEx BCP 10k, NFCU CLOC 10k, Overstock 9k, Citi DC 8k, BBVA Compass CP 7.5k, Huntington Voice Plat 5.1k, Kay Jewelers 4.5k, PayPal 2% 4k, PayPal Credit 3.5k, AmEx ED 3k, Huntington Voice Rewards 2.9k, Disco it Miles 2.5k, Disco it 2.4k, J.Crew 2k, Citi Goodyear 1.9k, Cap 1 Plat 1.75k, WF Cash Wise 1.5k, Amazon.com Store 1.5k, Cap 1 QS 1.45k, AmEx Gold Delta 1k
Message 4 of 15
Valued Contributor

Re: Citizens Cash Back Plus World MC

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on your Approval and the AWESOME SL!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $12.2K | Citi AAdvantage WEMC $12.5K | Discover $19K | OpenSky $300 BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) | BBVA Compass Rewards VS $10.5K |
Apple Card MC $6K | NFCU cashRewards $1K
TCL - $117.5K+ | Rebuilding since April 2018
Message 5 of 15
Senior Contributor

Re: Citizens Cash Back Plus World MC

Congrats on your approval and very nice SL !!!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
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 6 of 15
Regular Contributor

Re: Citizens Cash Back Plus World MC


@Xatos wrote:
I'm jealous lol wasn't offered SUB but did get 9.7k Smiley Happy

Yeah, the banker said, “they must REALLY want you to have this card!”

 

$9.7K is a really nice SL - congratulations!

Message 7 of 15
Regular Contributor

Re: Citizens Cash Back Plus World MC


@forestgreenrover wrote:

I'm so envious of you guys, I've just about had it with Citizens, gimme the damned card already lol. In all seriousness though, congratulations on a great get and snagging that SUB! Excellent work.


Thanks - looks like it’ll be second in rotation behind my current daily driver - Citi DC.

 

Let’s hope you get this one sooner rather than later!

Message 8 of 15
Regular Contributor

Re: Citizens Cash Back Plus World MC

Thanks @5krunner and congrats Smiley Happy esp. on getting a SUB on this one, I've never seen that available before. I did find a thread mentioning SP requests for CLI becoming available 9 mo. after open, but dunno what time frame after that.
Kohl's $2.5K | Cap1 QS $2K | Cap1 Savor 16K | Target Redcard $1.8K | Citi DC $6.4K | Dick's Scorerewards $10K | Amex BCE $1K | Amex ED $10.2K | Amex Schwab Platinum NPSL | Rakuten 2K | WF CashWise VS $9K | Discover IT $4.8K | Disco IT Miles (#2) 2K | Citizen's Bank Cashback Plus WMC $9.7K | Fidelity Rewards VS $5K | USBank Cash+ VS $5K | BBT Spectrum Cash Rewards VS 7.5K | BBT Bright 5K | BBVA ClearPoints 7.5K | 10-19 EX 703 | TU 706 | EQ 741
Message 9 of 15
Valued Contributor

Re: Citizens Cash Back Plus World MC

Congrats 5Krunner on that always difficult Citezens approval! I have been eyeing them for awhile and decided to app for a checking account and card last night. I course my cc app is pending. Keeping fingers crossed. 😁.

Again congrats on the approval
Message 10 of 15
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