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PayPal Cashback MC and Citi Double Cash

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Valued Member

PayPal Cashback MC and Citi Double Cash

Prior to these approvals, I only had two cards: Amex Everday ($500) and TD Cash ($3k). After TD reduced my limit from 5k to 3k, I was in the market for another card. PayPal gave me a SL of $1k and Citi gave me a SL of $6.2k. 

Current Scores: EQ - 729/ TU - 711/ EX - 690

 

Hopefully, these new cards will grow over time. Amex and TD have not shown me any love over the past two years. With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now. 

Message 1 of 22
21 REPLIES 21
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Valued Contributor

Re: PayPal Cashback MC and Citi Double Cash

Congrats on your new cards.

12/18/19




05/27/20





Cards

Authorized User
Message 2 of 22
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Valued Contributor

Re: PayPal Cashback MC and Citi Double Cash

Congratulations on your approvals and welcome to the forums!



Current FICO 8:

Credit Age:

Inquiries:

Goal Cards:


Message 3 of 22
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Moderator

Re: PayPal Cashback MC and Citi Double Cash

Great double play, congrats Smiley Happy
Message 4 of 22
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Super Contributor

Re: PayPal Cashback MC and Citi Double Cash

Congratulations on your approvals!
Message 5 of 22
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Valued Contributor

Re: PayPal Cashback MC and Citi Double Cash

Congratulations on both of your approvals! 

July 2020
Experian Fico 8. 707
Transunion Fico 8. 705
Equifax Fico 8. 724

Capital one QS1. $2450
Discover IT Cashback. $12,000
PNC cash rewards signature Visa. $17,500
Chase SW rapid rewards signature visa $6900
Amex Green Card NPSL POT $11,000

Amex Hilton Honors $1000
Citi Rewards $3900
Message 6 of 22
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Epic Contributor

Re: PayPal Cashback MC and Citi Double Cash

 

 

Welcome To myFICO Forums and

 

 

 

popcorn eating emoticon.gif

Message 7 of 22
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Community Leader
Valued Contributor

Re: PayPal Cashback MC and Citi Double Cash


@iiilliilllii wrote:

Prior to these approvals, I only had two cards: Amex Everday ($500) and TD Cash ($3k). After TD reduced my limit from 5k to 3k, I was in the market for another card. PayPal gave me a SL of $1k and Citi gave me a SL of $6.2k. 

Current Scores: EQ - 729/ TU - 711/ EX - 690

 

Hopefully, these new cards will grow over time. Amex and TD have not shown me any love over the past two years. With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now. 


It doesn't matter if you have a flawless record with those creditors.  You said last month that you have a 30 day late on a credit card and 60 day late on a personal loan.  Your creditors soft pull your reports and they can see your actions with other creditors.  It leads me to believe that is why your other limit got chopped and why the floodgates won't open for you as far as credit limits.   

 FICO 8
Message 8 of 22
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Valued Contributor

Re: PayPal Cashback MC and Citi Double Cash


@iiilliilllii wrote:

... With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now. 


Indignation + dirty file /= recipe for credit-seeking success. Smiley Wink

 

Congrats on your two new cards. 

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
Message 9 of 22
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Valued Member

Re: PayPal Cashback MC and Citi Double Cash


@Overmedicated wrote:

@iiilliilllii wrote:

Prior to these approvals, I only had two cards: Amex Everday ($500) and TD Cash ($3k). After TD reduced my limit from 5k to 3k, I was in the market for another card. PayPal gave me a SL of $1k and Citi gave me a SL of $6.2k. 

Current Scores: EQ - 729/ TU - 711/ EX - 690

 

Hopefully, these new cards will grow over time. Amex and TD have not shown me any love over the past two years. With an income over 150k, my frequent card use, and no missed payments, I would think I'd have much higher limits by now. 


It doesn't matter if you have a flawless record with those creditors.  You said last month that you have a 30 day late on a credit card and 60 day late on a personal loan.  Your creditors soft pull your reports and they can see your actions with other creditors.  It leads me to believe that is why your other limit got chopped and why the floodgates won't open for you as far as credit limits.   



The post you're referring to was from last year not last month. I disputed those errors and it was resolved in my favor. Prior to the dispute, I believe my credit card scores were in the low 600s. 

Message 10 of 22
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