I had been in the garden for 1 year 10 months but had to take a HP for a Student Loan refinance so i decided to try a few cards. I had three in mind that I wanted first up was Citi® Diamond Preferred® Card. I wanted this card for the 21 month balance transfer. I received the we are reviewing your application please check back in 3-7 business days. I have one other card with Citi it has a 9K limit on it it is paid in full. I am hoping this moves to an approval it was the reason for my little spree today. I am buying some plane tickets that I would like some time to pay off.
After i didn't get an instant approval from Citi I went into a little bit of a panic mode. I don't know why I have good credit and good income. My card usage is under 15%, my scores are in the 740's, i just get nervous with rejection. The second card I wanted was the NFCU signature Visa. I am looking from moving away form my Discover as my everyday card and thought this would be a good option. I was approved with a 10K limit. Was hoping for a little higher since my discover is at 18K and i had been reading of the higher SL with NFCU.
The last card I was wanting was to get a foot inthe door with AMEX. A little over two years ago when I was still in rebuilding mode (do we ever get out) I was denied for Amex 2 times in one year. Today after preapprovals and a solid APR on the preapprovals I hit the apply and was approved. The initial approval said 20k I was happy to say the least. After creating my account the account says 10K so maybe it will update if not I am still happy with that SL from AMEX knowing it will grow.
Here are my numbers
Discover CS = 747
Citi Card CS = 747
American Express Credit Score = 734
Total credit card Limit before app 55K after 75K hopefully more right now 7k in CC usage but will be putting 5500 on some plane tickets this week. Will pay off plane tickets in the no interest period.
I started this journey at a 540 credit score 4 years ago. I plan to go into the Garden for at least 1-2 years my next goal is an 800. I will have every card I need. The only bank that shows me no love is Chase (two cards both $500) and I bank with them and keep a very large account. I will be moving mymoney over to someone else very soon. I feel with the Amex and the NFCU I should hit 100K in avaliable credit by the end of the year if I play my cards right...pun intended.
Just got the following from Citi
Congratulations, you've been approved!
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We're delighted to let you know you've been approved for the Citi® Diamond Preferred® Card, with a credit limit of $11,200. Your account is considered open as of today, 02/21/18.
Your card should be arriving in 7-10 days in a plain white envelope. To start enjoying the many benefits of your card, activate it as soon as it arrives.
You can always find a full list of your card benefits here. Once you have your new card in hand, you'll be able to log in and experience the full site.
Thank you for choosing Citi for your financial needs! |
