Hello myFICO,
I have been debating about getting RBFCU 2% CashBack Rewards Mastercard for quite a while. I applied in April and was disappointed at the 5k starting limit. I had 90 days to accept or decline the offer. After 3 weeks of cooling off I decided to write a recon letter. Success! Credit limit increased to 20k.
I accepted the offer. APR rate 12.15%. FICO 8 TU score 820 at time of application. 1 inquiry on TU. POI requested on the initial credit card application (2 paycheck stubs within past 30 days). Average account age 4 years. Oldest account 10 years. Utility under 8.9%. They pulled chexsytems in order to join their credit union. I joined them about 3 months ago but only recently appplied for one of their credit cards. I did not get a HP to join.
I do not see me applying for any new cards in a long long time. I will do product changes if I get bored. I will be closing my low limit Arrival card and Discover IT card later this year. I only want a max of 5 simple cash back rewards cards. I should have applied for their low rate APR card but no biggie I will just pc to it when I get bored with the 2% card!
Good luck to everyone on their credit card journey.
Thank you
Remedios and Hasselfree.
Thank you
longhorn86
Congratulations on the approval and the awesome credit limit!!!
Thank you
800FICOGoal and pinkandgrey
