I’ve tried to stay in the garden, but alas...I lasted a mere 1 month.
The Application:
I completed the application through their mobile site on my iPhone. Please note, I am definitely over 5/24. That rule does not apply to this co-branded card.
The Pull:
A single pull on Equifax. I live in California.
The Score:
FICO Score 8
690-714 Across EQ, TU, EX
Credit Utilization - approximately 29%
Open Accounts - 14
Inquiries - The most on my bureaus is 9 (EQ)
The Approval:
The approval was instant. SL 16k! Not my highest, but not bad. More than I need. This will not be an everyday card. I plan on using it for the benefits, especially the Visa Infinite $100 companion flight credit. I’ve been wanting this card for a while and this may be exactly what I need to keep me in the garden for 6 months (hopefully). Thank you to this forum for all posts on the Ritz. Hopefully this helps someone who is considering the Ritz Card too!
-PointsYoda
Congratulations on the approval! I've heard great things about that card. Enjoy!
Thanks! I’m pretty juiced.
-PointsYoda
Congrats on a great card and a very nice starting line! Thanks for the data points as well, since your scores/util are not obvious "I'm going to be approved with a $16k SL" territory that will assuredly help those that may be on the fence.
Congratulations! I can understand your excitement. I was approved last week after being declined 14 months ago. Enjoy the card
@K-in-Boston wrote:Congrats on a great card and a very nice starting line! Thanks for the data points as well, since your scores/util are not obvious "I'm going to be approved with a $16k SL" territory that will assuredly help those that may be on the fence.
Thanks K! I personally like reading details, so I figured to include as much as I could.
@taekwon wrote:Congratulations! I can understand your excitement. I was approved last week after being declined 14 months ago. Enjoy the card
I’m excited about my wallet getting heavier. Haha. The simple things.
@Anonymous wrote:I’ve tried to stay in the garden, but alas...I lasted a mere 1 month.
The Application:
I completed the application through their mobile site on my iPhone. Please note, I am definitely over 5/24. That rule does not apply to this co-branded card.
The Pull:
A single pull on Equifax. I live in California.
The Score:
FICO Score 8
690-714 Across EQ, TU, EX
Credit Utilization - approximately 29%
Open Accounts - 14
Inquiries - The most on my bureaus is 9 (EQ)
The Approval:
The approval was instant. SL 16k! Not my highest, but not bad. More than I need. This will not be an everyday card. I plan on using it for the benefits, especially the Visa Infinite $100 companion flight credit. I’ve been wanting this card for a while and this may be exactly what I need to keep me in the garden for 6 months (hopefully). Thank you to this forum for all posts on the Ritz. Hopefully this helps someone who is considering the Ritz Card too!
-PointsYoda
Keep it up dude... wtg congrats.
Congrats!