Truist Enjoy Cash Visa Cold App Approved - myFICO® Forums - 6724865

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I opened a Truist Enjoy Cash secured visa with Truist over a year ago and discovered that they don't automatically upgrade or graduate secured cards. As a result, I've been consistently checking the Truist site for credit card pre-approval offers, but I have yet to have any luck. I received a pre-approval two months ago but decided not to apply; I figured I would get another chance. But, my streak of no pre-approvals persisted after that. However, three days ago, I got tired and applied without pre-approval for the Truist Enjoy Cash 3/2/1% Option.

Today, I received an email confirming my approval for a $5,000 limit. I plan to wait a few weeks before closing my secured Truist Enjoy Cash Visa, which currently has a $500 limit. I'm just happy to close a card with such a small limit and have this new one to replace it. Now, I wonder if it's going to be a Visa Signature.

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Credit Cards

Amazon Prime Store Card: $10,000 | Apple Card MC: $6,250 | Best Buy Visa: $3,000 | BCU Cash Rewards Visa Sig: $40,000 | BCU Travel Rewards Visa Sig: $15,000 | Bread Cashback AmEx: $21,000 | Bread Rewards AmEx: $14,150 | Capital One Kohls Visa Sig: $5,500 | Capital One SavorOne WEMC: $30,000 | Express Credit Card: $4,050 | Famous Footwear Credit Card: $1,650 | FNBO Platinum Visa: $950 | Helzberg Diamonds Card: $6,000 | IKEA Projekt Credit Card: $6,600 | Macy’s Amex $10,000 | PayPal Cashback WMC: $20,000 | Sam’s Club Plus WEMC: $20,000 | Suncoast CU Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $10,000 | Toyota Rewards Visa Sig: $10,500 | Truist Enjoy Cash Visa Sig: $10,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500 | US Bank Cash+ Visa Sig: $10,000 | US Bank Smartly Visa Sig: $10,000 | WF One Key+ WEMC: $9,000

BCU Unsecured LOC 5k

BCU Auto Loan Balance $15,858.00

Rebuilding since June 2021.

Message 1 of 16

15 REPLIES 15

Congratulations on your Approval 🎉

Message 2 of 16

Congrats on your Truist approval !

NFCU Visa 43k | NFCU Platinum 37k | Cap1 QS 14.5K | Cap1 QS 12.5K | Barclay MC 30k | Delta Gold Amex 40K | Discover IT 25K | CFNA FS 3600 | CareCredit 20k| PayPal Credit 10k |

Message 3 of 16

Congrats on the Approval!

Current Credit Cards

NFCU More Rewards | CL $4500 | APR 15.40% | 08/2021

Capital One Quicksilver One | CL $6600 | APR 31.74% | 09/2021

Capital One Quicksilver | CL $5500 | APR 31.74% | 02/2022

NFCU Cash Rewards | CL $4500 | APR 15.40% | 06/2022

Goldman Sack Apple Card | CL $6400 | APR 23.74% | 02/2024

NFCU Go Rewards | CL $33000 | APR 13.74% | 03/2024

CITI Bank Custom Cash | CL $3900 | APR 29.74% | 08/2024

Discover it | CL $3000 | APR 29.74% | 11/2024

CITI Bank Rewards+ | CL $5200 | APR 29.74% | 12/2024

Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (December 2024)

Credit Age:

Inquiries:

Message 4 of 16

Congratulations on your new unsecured Truist Card approval

Message 5 of 16

Very nice, enjoy the new card!

Message 6 of 16

Congrats on your approval

AMEX CHARLES SCHWAB PLATINUM NPSL / AMEX GREEN NPSL/ AMEX BLUE BUSINESS PLUS $20000 CL/ FIDELITY REWARDS VISA $23,500 SL

SOCKDRAWER/ NFCU FLAGSHIP $40,000 CL/ NFCU MORE REWARDS $40,000/ WELLS FARGO AUTOGRAPH $8200/APPLE CARD $6500/DISCOVER IT $3000 SL/CITI COSTCO ANYWHERE VISA $6000 SL

Message 7 of 16

@Waldemar wow this looks like a great card.. was wondering what your score is like? I might wanna get this card!
Do they require that you have a banking relationship? even their secured card looks decent!

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

Message 8 of 16

@youngandcreditwrthyCurrently, my FICO scores hover in the low 700s. While I maintain both a checking and savings account, it's not a requirement for obtaining a credit card. But yes, their secured card is a strong option even with its $19.00 annual fee.

Credit Cards

Amazon Prime Store Card: $10,000 | Apple Card MC: $6,250 | Best Buy Visa: $3,000 | BCU Cash Rewards Visa Sig: $40,000 | BCU Travel Rewards Visa Sig: $15,000 | Bread Cashback AmEx: $21,000 | Bread Rewards AmEx: $14,150 | Capital One Kohls Visa Sig: $5,500 | Capital One SavorOne WEMC: $30,000 | Express Credit Card: $4,050 | Famous Footwear Credit Card: $1,650 | FNBO Platinum Visa: $950 | Helzberg Diamonds Card: $6,000 | IKEA Projekt Credit Card: $6,600 | Macy’s Amex $10,000 | PayPal Cashback WMC: $20,000 | Sam’s Club Plus WEMC: $20,000 | Suncoast CU Rewards Platinum Visa: $10,000 | Target RedCard: $1,200 | Toyota Rewards Credit Card: $10,000 | Toyota Rewards Visa Sig: $10,500 | Truist Enjoy Cash Visa Sig: $10,000 | US Bank Cash+ Secured Visa: $500 | US Bank Platinum Secured Visa: $500 | US Bank Cash+ Visa Sig: $10,000 | US Bank Smartly Visa Sig: $10,000 | WF One Key+ WEMC: $9,000

BCU Unsecured LOC 5k

BCU Auto Loan Balance $15,858.00

Rebuilding since June 2021.

Message 9 of 16

Congratulations on your Truist approval!

Current Cards (in order of approval):

Current FICO 8 | 9 (August 2026):

Credit Age:

Inquiries (6/12/24):

Banks & CUs:

Message 10 of 16