Re: ExxonMobil Smart Card Approval - myFICO® Forums

chiefone4u · ‎11-22-2018

Applied for an ExxonMobil gas card today and was approved! $800 SL.

This is the first time Citi has ever approved any card I've ever attempted to apply for (including a denial for this same card in July 2018). This time they pulled by Experian credit report which EX notified me of updated score per EX is 688.

Hopefull this might allow me to get the Costco card or other Citi card next year.

BrutalBodyShots - Good Will Saturation Technique

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716
Goal Score: 740+

Take the myFICO Fitness Challenge

Coscto Anywhere Signature Visa -Citi- $7200

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.

Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal:
August 2022 and reach 0/24

AverageJoesCredit · ‎11-22-2018

Congrats on your approval

PointsBonus · ‎11-22-2018

Congrats on the approval.
Keep in mind, the “discount” they give it to you as a statement credit when the statement closes.

chiefone4u · ‎11-22-2018

Thanks for the heads up. That's how my synchrony Conoco Card works too (have to purchase 50 gallons a statement to get discount/ statement credit).

BrutalBodyShots - Good Will Saturation Technique

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716
Goal Score: 740+

Take the myFICO Fitness Challenge

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.

Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal:
August 2022 and reach 0/24

JoeLuvsHisCredit · ‎11-22-2018

19eighty5 · ‎11-22-2018

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:

AMEX Platinum Delta SkyMiles | $1,400 | February 2019

AMEX Marriott Bonvoy Brilliant | $3,100 | August 2019

BOA BankAmericard AU | $1,500 | May 2004

Citi AAdvantage Platinum Select | $5,600 | March 2020

Goldman Sachs Apple Card | $2,000 | March 2020

Synchrony CareCredit | $12,000 | October 2018

Synchrony Lowe's Advantage | $2,500 | March 2020

Audi Q5 - Capital One Auto Finance | $43K/72mo/7.8% | February 2020

On the chopping block:

AMEX Gold Delta SkyMiles | $1,000 | July 2018

Comenity Williams-Sonoma | $250 | September 2018

Comenity Overstock | $3,900 | August 2018

Discover it Cash Back | $500 | November 2019

AMEX Green Card | NPSL + POT | March 2019

RonM21 · ‎11-23-2018

Congrats on breaking through with Citi!

TCL: $306,100

Utilization: 6%

AAoA: 5yr 2m

Other: Lease, Loan, No Mtg.

Baddies: 0

James_A · ‎11-23-2018

@chiefone4u wrote:
Hopefull this might allow me to get the Costco card or other Citi card next year.

I suspect it will. Congratulations! on getting "in the door."

Starting Score: (5/24/2018) -- FICO 08 EXP: 643; FICO 08 TU: 642; FICO 08 EQ: 677
Current Score (11/11/2020): FICO 08 EXP: 747; TU: 762; EQ: 782
2020 Goal Score: 760 across the board

Take the myFICO Fitness Challenge

chiefone4u · ‎03-03-2019

Requested cli (online) on 3/2/2019, resulted in HP. Went from $800 to $2500.

It asked for income and how much I would like to increase my limit; I asked for another $2,000 (to make limit $2,800) and they countered with the option to accept or deny-- I accepted the offer.

BrutalBodyShots - Good Will Saturation Technique

Starting Score: EQ:608, EX:617, TU:625
Score 10/2018: EQ:669, EX:686, TU:668
Score 11/17/2018: EQ:682, EX:681, TU:683
Current Score 3/11/2020: EQ:695, EX:703, TU:720
12/24/2018 -- EQ Beacon 5.0: 678, EX Fico II: 690, TU Fico Classic 04: 716
Goal Score: 740+

Take the myFICO Fitness Challenge

Member of the Synchrony Bank giveth then Taketh away April 2020 Club! $86,900 in available credit gone without warning.

Newest Account July 8, 2020 -- Last HP October 24, 2020 -- Gardening Goal:
August 2022 and reach 0/24

doinit1 · ‎03-03-2019

Congrats on your success!!

American Express Business Gold(NPSL 10k) Chase CSP (25k) BofA CR Siggy (20.8k) BofA BBR (22.1k) Amex BCP(4.1k) Overstock (21.1K) Lowes (17K) NFCU CLOC (15K) NFCU VS Cash (15K) Care Credit (15k) J Crew( 11.9k)Venture WMC (10.25k) Amex Everyday (1k) Chase Slate (10k) Walmart MC(10k) BB Visa (10k) Discover(4.5k☝️) PayPal Cashback Mastercard (8k) Chase FU (7.4k) Citi AAdvantage Gold World Elite (9.5K) Citi Double Cash (8.5k) Fidelity® Rewards Visa Signature® Card (6.5K) PenFed PCR (5K) PayPal Credit (4550)Discover (500✌️) Kohls (3k) Chase Freedom (1500)

Mortgage May 2017 - 2 auto loans (1 PenFed and 1 Navy) Aug 2018=98K
Gardening until June 2021

FICO 8 Scores EX 700 EQ 696 TU 703
AAOA 5.2yrs TCL=268,700