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Replaced Duck with Citi Simplicity

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MACFRME
Frequent Contributor

Replaced Duck with Citi Simplicity

Replaced my recently closed Duck card with a Citi Simplicity card. They approved me for $7,000, which is not quite what OCCU offered ($15k). However, I think this one is here to stay. About to do a BT as soon as I receive my new card.

 

Stats:

Pulled: Experian Score: 680s

Inquiries: 13 in the last two years

AAoA: 1 year and 3 months

Baddies: One 30 day late from 2010 and a paid collection from March 2013

Many new accounts in the last year

Comparable to my other credit lines, but at the lower end.

 

I am just glad to finally be in with Citi. They have denied me several times in the past, but I know they treat you well with CLIs and BT offers once you're in.

Cards I Carry
$7.5K $23K $5k $300(SEC) $500 $300 $1,500 $800 $800
Total Available Credit: $39.7k | FICOS: EX 659 | EQ 661 | TU 673
Message 1 of 13
12 REPLIES 12
coldnmn
Mega Contributor

Re: Replaced Duck with Citi Simplicity

Congrats! Thanks for sharing.

Discover IT $17k / US Bank Ace (VSig) $13.5K / US Bank Cash+ (VSig) $13.5k
Sam's Mastercard $15k / Walmart Mastercard $10k / Blispay $7.5k PayPal Ex MC $10.8k
CareCredit 5k / Husq $5k / Cap1 QS $4.5k / Barclay Ring $5.35k / Citi DC (WMC) $12k
Gardening Date 7/01/16 / MyFico 08: EQ 801 / TU 777 / EX 771 / 06/08/17
Message 2 of 13
Burned2manybridgesB4
Valued Contributor

Re: Replaced Duck with Citi Simplicity


@MACFRME wrote:

Replaced my recently closed Duck card with a Citi Simplicity card. They approved me for $7,000, which is not quite what OCCU offered ($15k). However, I think this one is here to stay. About to do a BT as soon as I receive my new card.

 

Stats:

Pulled: Experian Score: 680s

Inquiries: 13 in the last two years

AAoA: 1 year and 3 months

Baddies: One 30 day late from 2010 and a paid collection from March 2013

Many new accounts in the last year

Comparable to my other credit lines, but at the lower end.

 

I am just glad to finally be in with Citi. They have denied me several times in the past, but I know they treat you well with CLIs and BT offers once you're in.


That's weird. My Plat Select is half of my beaver...lol.

Message 3 of 13
Burned2manybridgesB4
Valued Contributor

Re: Replaced Duck with Citi Simplicity

Congrats for congratulations, and congratulating.Smiley Very Happy


@coldnmn wrote:

Congrats! Thanks for sharing.




Message 4 of 13
wacdenney
Valued Contributor

Re: Replaced Duck with Citi Simplicity

Congrats!  I have a new Simplicity card in the mail also.

Message 5 of 13
alvon123
Super Contributor

Re: Replaced Duck with Citi Simplicity

congrats


Message 6 of 13
Burned2manybridgesB4
Valued Contributor

Re: Replaced Duck with Citi Simplicity

おめでとうございます
Message 7 of 13
yudeology101
Senior Contributor

Re: Replaced Duck with Citi Simplicity

WTG on closing your Duck and Citi approval!!  Great starting limit, enjoy your new card!  I have a feeling that closing the Duck Dynasty is going to be a trend after all the fiasco going on with them. 

JPM Ritz Carlton $8k I UMP Club $8k I CSP $8k | Chase Hyatt $5k I AMEX Green NPSL I AMEX Delta $2k I Citi AA $2k | C1 QS $4.5k
BOA UNC-CH Alumni $6k I Hawaiian WEMC $3k I Arrival $6.5k I IT $1.5k | Merrill+ $2k | Lowes $12k | Apple $2k | +23more
Scores: EQ:671 (FICO 11) EX:686 (FICO N/C) TU:686 (FICO N/C) *8-5-14*
Overall UTIL: 14% *Gardening Since: 1/20/16*
------------------------------------------------------------
Need to stay out of trouble.... Go Heels!!! ... GC Watchlist ( #1 since 12-12-13)
Message 8 of 13
gdale6
Moderator Emeritus

Re: Replaced Duck with Citi Simplicity

Nice, enjoy the Citi card Smiley Happy

Message 9 of 13
MsLadyRover
Valued Contributor

Re: Replaced Duck with Citi Simplicity

Congrats OP!



Starting Score: 639 (Walmart TU)
Current Score: TU 715 (Barclay) EX 685 (myFICO) EQ 697 (myFICO)
Goal Score: 700 Across the Board (Mortgage Goal Achieved 1/31/2012!)

Take the FICO Fitness Challenge
Message 10 of 13
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