Truist Enjoy Cash Visa Cold App Approved - Page 2 - myFICO® Forums - 6724865

myFICO® Forums

Get Access Now

Congrats on the approval!

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

Message 11 of 16

Congrats on the approval. When you received your card, was it a Visa Signature? I just applied and got approved for the Enjoy Beyond card and got a SL of $11,400.00, hoping it will be a Visa Signature.

src="http://ficoforums.myfico.com/html/assets/challenge.png">Starting Score: 628
Current Score: 628
Goal Score: 700

Take the myFICO Fitness Challenge

Message 12 of 16

@youngandcreditwrthy wrote:
@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!

With no prior banking relationship with them, Truist approved me for the Enjoy Cash and Future cards, both with $5k limits, when my scores were in the 700 range.
They bumped the Enjoy Cash up to $20k this year when my scores were >800. but no love for the Future card.

Current FICO8:

Message 13 of 16

Yep. Visa Signature.

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 14 of 16

Are those limit increases soft or hard pull?

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 15 of 16

@Waldemar wrote:
Are those limit increases soft or hard pull?

Truist does hard pulls from Equifax for CLIs.

Current FICO8:

Message 16 of 16