Been a while since I've been on, but always lurking. Have a few household purchaes coming up and wanted a 0 APR card for the sake of liquidity so I added the Flex on Thursday. Instant approval with 14,400 SL. Hit TU and EX on the pulls.
Scores:
760 EX
741 TU
741 EQ
Income: six figures
Util- 9%
Inquires- 9 on EX, but only 3 scoreable (2 of them for mortgage--the other because of student loan refi that got me down to 3%)
Saw a lot of the stuff about the Custom Cash and I like the concept. Can be sort of a chameleon card that slots in when my rotating ones don't do enough. At minimum gonna be my Lowe's/Home Depot card. But might be a gas card some weeks if it's not a rotating category week (Chase Ink Cash is my best gas card right now at 2x pts-- or 3% with sapphire reserve conversion). Only got $6,100 on that. Scores were 755 EX and...not really sure as I haven't refreshed TU/EQ since the Flex application. Applied while logged in to Citi and it seems like I got away without a credit hit as I didn't get any notifications for pulls...yet. I will update if that changes.
Hope all of you are well. A little surprised I didn't go with a US Bank product, but Connect didn't have a 0 APR window. Maybe that will be my future.
