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I did a bad thing! (Citi Custom Cash)

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Anonymous
Not applicable

Re: I did a bad thing! (Citi Custom Cash)


@BearsCubsOtters wrote:

@Anonymous wrote:

@BearsCubsOtters wrote:

@Anonymous wrote:

@BearsCubsOtters wrote:

 

Congratulations, Robert!

 

I am getting sick and tired of waiting for the possibility of a PC....must.be.patient......

 

I like how you normally have a one-in, one-out policy. Amazon store card on the chopping block? 


Thank you!

I definitely couldn't be patient anymore. I have some dry eye care stuff that I'm doing that's pretty expensive anyway (if I end up having to buy the NuLids device, I'll be out another $300) so the timing on this is perfect since I am hoping to be able to get my glasses in September and I'll have thru October 2nd (woohoo birthday) to hit the SUB.

 

I am not sure if Amazon, Target, or BCE is going on the block. I try to keep my cards at no more than 20 and I'm right there now but I'm really struggling with the idea of dropping a $10K Amazon card when its my only Sync exposure and I have an $800 Target sitting around. I do currently have three Amazon cards (Affinity and AMEX) but I also have two Target cards (credit and debit). The Amazon card at least has the added benefit of prime card bonus offers which don't work with the AMEX or Affinity cards. The BCE is essentially a SD card now and I am tempted to move $4K of the $5K to my Cash Magnet to make it $7K and close the BCE. Decisions, decisions...


Ah, true true. The Target or BCE would make more sense than the Amazon card. At least in terms of CL. 

 

I am not going to even look at what the NuLids thing is. I blame you for my recent Waterpik purchase (as seen in Smorgasboard).

 

Congrats again! Your new cards this year have been amazing! 


If you have meibomian gland dysfunction and associated evaporative dry eye, the NuLids device is an eye lid massager that gently expresses the meibomian glands to clear them of clogs. Its supposed to be highly effective but I'm really hoping I don't have to buy the thing. I ordered a mask on Amazon that comes with reusable heating packs (the ones that have a metal disc that you bend and the sodium acetate crystallizes and gives off heat) called Tranquileyes XL that gets to the proper 102-108F temperature to safely soften the oils in the glands and I'm going to use that once or twice a day and try manual massage with my fingers. 

 

There is this great channel on YouTube that's run by a guy who is both an eye doctor and a dry eye sufferer and he and others swear by the NuLids - https://www.youtube.com/channel/UCSs2CvlyOKLYY4SbfehnKNQ Like I said though, I'm going to try to NOT spend that money.

 

I love my Waterpik though. No regrets buying that thing. I'm up to pressure 8 now. Hoping that when I go in for my 3 month periodontal appointment next Thursday that I get some positive feedback on the change in my mouth Smiley Happy

 

As for my apps, they may not be over with yet... I am mulling over some line of credit plans in my head.


@Anonymous yikes, yeah I am glad I do not have that issue. I actually got the Waterpik on Prime Day for a song and I do love it. But I do blame you still LOLOL.

 

Line of Credit eh? SSFCU...6% 2nd best rate in the country. Looks like Wells Fargo isn't bringing theirs back. US Bank still offers one. 

 

Sorry Mods...so yeah, Custom Cash. LOL You know, when Double Cash first came out in 2014, PCs were available in less than a week. They are making me mad with this Custom Cash taking so long for PCs. 


Well I am glad you're enjoying the Waterpik lol.

 

I always forget that I'm an SSFCU member 😅 They tend to lean extra conservative though, I'm not confident they would approve me. I really just want something more than the $500 CLOC I have with Navy Federal. If I can get my bank to approve me for one I can switch my checking to their Premier since I have direct deposit which would waive my $10 per year debit card fee as well as waive the $20 per year overdraft line of credit fee. I would just switch everything to Affinity but its such a pain switching banks and I've never really had problems in the 9 years I've been with this one.

 

Hopefully they open up the PCs for you all soon. Of course you could just apply... 😈

Message 61 of 70
Remedios
Credit Mentor

Re: I did a bad thing! (Citi Custom Cash)


@Anonymous wrote:

@Remedios wrote:

@Anonymous wrote:

@Anonymous wrote:

... after Remedios posted the details of her own approval...


Btw, I could not find this thread. It sounds informative. A link would be much appreciated.Smiley Wink


I didn't make a thread, I posted about it in credit cards last night because there seemed to be  universal "two inquiries and you're dead" which wasn't the case for me. 

4 inquiries, three new accounts (all reporting), instant approval. 

If anyone needs DPs, I'll happily provide them in the other thread. 

 

@Anonymous sorry about the interruption. 


Smiley Surprised How dare you interrupt my super professional and never off-topic thread! 

 

I mean its not like I have *ever* done such a thing! Smiley Tongue


Yeah, but sometimes I gotta go "stay on topic" meanwhile I'm talking about tomatoes in carrot threads 😐

 

Message 62 of 70
calyx
Super Contributor

Re: I did a bad thing! (Citi Custom Cash)

Congrats and welcome to the CCC club.

Happy practitioner of AZE7or8or9or10 | Team Finances > FICO
Message 63 of 70
FalconSteve
Valued Contributor

Re: I did a bad thing! (Citi Custom Cash)

Congrats on your bad thing

1/8/17 Discover $18300 CL- $1k SL- AU, wife
1/26/20 AmEx Cash Magnet $35k CL, wife
2/19/20 BB&T/Truist Rewards $11k SL- impulse application
2/22/20 Citi Double Cash WEMC $2.9k-->$4.4k-->$8.4k-->$13.4k-->$17.4k-->$19.4k-->$22.4k-->27.4k AU, wife
3/8/20 Wells Fargo Propel AmEx/Autograph VISA $2900-->$3200-->$5000-->$8800-->$13k-->$15.5k CL- AU, wife
3/9/20 Truist Rewards $11k SL --> $13.5k- AU, wife- impulse app
3/21/20 REDcard MasterCard (TD Bank) $2500-->$6000-->$6500 CL
11/24/20 AmEx Cash Magnet $10k SL-->36hr-->$20k-->$35k CL
6/10/21 SoFi World Elite MC $7000 SL
1/19/22 AppleCard/GS $6k-->$10k-->$11k-->$12k AU, wife
8/15/22 Chase freedom flex $10.3k SL-->$12.5k-->$15k-->$19k AU, wife
7/5/23 Lowes/Synchrony $4k-->$10k-->same day-->$35k CL
8/2/23 Chase freedom flex $19k --> $22.8k-->24.3k CL
8/2/23 Discover $8k SL
Message 64 of 70
Anonymous
Not applicable

Re: I did a bad thing! (Citi Custom Cash)


@calyx wrote:

Congrats and welcome to the CCC club.


Thanks! Happy to be a member Smiley Happy

Message 65 of 70
Anonymous
Not applicable

Re: I did a bad thing! (Citi Custom Cash)


@FalconSteve wrote:

Congrats on your bad thing


Thank you very much Smiley Happy

Message 66 of 70
Anonymous
Not applicable

Re: I did a bad thing! (Citi Custom Cash)

Wow! Up next is chase freedom flex. Congratulations!

Message 67 of 70
Anonymous
Not applicable

Re: I did a bad thing! (Citi Custom Cash)


@Anonymous wrote:

Wow! Up next is chase freedom flex. Congratulations!


Thanks!

 

We will see if I make it to May of next year with no apps. I'm thinking my chances aren't great. 😂 While I managed to pull off a year for US Bank, that was to hit my goal of getting back in with a bank I burned in my BK. The Chase card really wouldn't get a lot of use from me so if a more useful card comes along first I'll get that instead. 

Message 68 of 70
Anonymous
Not applicable

Re: I did a bad thing! (Citi Custom Cash)


@Anonymous wrote:

@Anonymous wrote:

Wow! Up next is chase freedom flex. Congratulations!


Thanks!

 

We will see if I make it to May of next year with no apps. I'm thinking my chances aren't great. 😂 While I managed to pull off a year for US Bank, that was to hit my goal of getting back in with a bank I burned in my BK. The Chase card really wouldn't get a lot of use from me so if a more useful card comes along first I'll get that instead. 


I fall under 5/24 in May too. I'll be 3/24. I'm trying to stay in garden to Oct 2022 but this Citi Custom makes me want to get out. I think I might pc my dc but I don't think it's in my blood to forgo a sub.

Message 69 of 70
Anonymous
Not applicable

Re: I did a bad thing! (Citi Custom Cash)


@Anonymous wrote:

@Anonymous wrote:

@Anonymous wrote:

Wow! Up next is chase freedom flex. Congratulations!


Thanks!

 

We will see if I make it to May of next year with no apps. I'm thinking my chances aren't great. 😂 While I managed to pull off a year for US Bank, that was to hit my goal of getting back in with a bank I burned in my BK. The Chase card really wouldn't get a lot of use from me so if a more useful card comes along first I'll get that instead. 


I fall under 5/24 in May too. I'll be 3/24. I'm trying to stay in garden to Oct 2022 but this Citi Custom makes me want to get out. I think I might pc my dc but I don't think it's in my blood to forgo a sub.


Are they even doing PCs yet? Last I heard they weren't offering them. 

Message 70 of 70
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