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Double Cash and BCE

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Double Cash and BCE

So my brother has lived in the Dave Ramsey world and thus has only had one credit card, the Chase Freedom for almost 10 years now.

He got it in HS with a 500 limit and just two months ago he got increased automatically to 1500.

 

He always pays in full so after showing him how much money he could be getting in cash back a year instead of just using his debit card, he applied for Citi Double Cash, instant acceptance with a CL of 7k. Then he app'd for the AMEX Blue Cash Everyday, 10k.

 

His vantage score through chase was a 740, 50 k income, never missed a payment.

He believed checking your own score was a hard pull so he's never done it before until I explained it but he's learning now haha

College Junior
Starting Score: 724
Current Score: 744
Goal Score: 775

Message 1 of 9
8 REPLIES 8
Community Leader
Super Contributor

Re: Double Cash and BCE

Congrats to your brother there!

Message 2 of 9
Established Contributor

Re: Double Cash and BCE

Congrats to your bro...!

 

very nice!



[Penfed Platinum Rewards 10k][TD Ameritrade-2k][BOA Cash Rewards 22k][NFCU cashRewards 25k][TDcash 5k][IHG 14.2k][BOA 15.8k][Amazon Prime Store 10k][Amazon PrimeVS 500][Amex BCE 6k][WellsFargo CashWise 14k][PNC Core 19.5k][WalmartMC 10k][SearsMC 12.5k][Lowes 35k][Toyota 15k][Capital One 5250][BP 10k][Home Depot 24.2k][Chase FU 6.6k][Discover 22.5k]
- [BOA CR $12.5k][Amex SC+ $13.5k][Amex B4B $35k][Chase Ink $45k][PNC $26.5k]
Message 3 of 9
Valued Contributor

Re: Double Cash and BCE

Congrats to your brother on both new cards. I'd have him garden now so he can add some age to the new cards. I wouldn't wanna take a chance in getting more as it could lead to AA (credit seeking behavior).


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 4 of 9
Frequent Contributor

Re: Double Cash and BCE


@xaximus wrote:
Congrats to your brother on both new cards. I'd have him garden now so he can add some age to the new cards. I wouldn't wanna take a chance in getting more as it could lead to AA (credit seeking behavior).

Yeah he really isn't interested in more than 3 cards, maybe in a year he might go for the amazon visa but other than that he's done probably for years.

College Junior
Starting Score: 724
Current Score: 744
Goal Score: 775

Message 5 of 9
Valued Contributor

Re: Double Cash and BCE

That's a good idea. I'd give it atleast a year, show some history and good balance/responsibility with the new accounts.


Scores - All bureaus 750 +/-
TCL - Est. $275K
Message 6 of 9
Senior Contributor

Re: Double Cash and BCE

Congrats on both approvals and nice SLs !!!!

 

 

 

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 7 of 9
Valued Contributor

Re: Double Cash and BCE

Congrats! Nice pick ups for your brother!




Message 8 of 9
Regular Contributor

Re: Double Cash and BCE

Congrats! Did he sign up for the $150 bonus for the Double Cash?

Message 9 of 9
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