@CreditDunce wrote:That doesn't mean they didn't use a different score to approve you.
Exactly. Citi uses a different score model for initial card approval than the one they provide monthly. At least they did in my situation. 
@Anonymous wrote:I wonder if a CC will ever provide all 3 FICO scores in the future. I bet a ton of people would jump on that card if it ever came about.
Lol so you feel the flood gates would open due to 3 free scores VS card benefit based on spending and how much profit you can get back? Be it cash or points
Really? ROFLOL
Sadly you may see some who do just that 
@Anonymous wrote:I don't know about flood gates, but I could see a lot of people scooping it up. I mean people on this forum have 20 even 60 credit cards. I'd get it for the simple reason that I'd like to see all 3 of my FICO credit scores all in one place every month for free. Even if I swiped the card once a year just to keep it active, to me, it would be worth having for the FICO score info. I'm sure there are plenty of others that wouldn't mind that perk as well. Points and cash back don't really do much for me. Sure everyone wants a card with cash back or whatever so they feel like they're getting a deal but in the grand scheme of things it's not significant. If I spend a grand a month that's $20 a month or $240 a year with your typical 2% on everything card. Sure $240 is nice and all, bit it's not a significant amount if you look at the big picture. I get for higher rollers that number can be much bigger, but for your regular everyday guy like myself I don't get all gassed up over $240.
I get your level of spend and what you're saying about your case of spending 12k per year on CC's and for some the $240 per year means a lot
But now let me open your eyes to the flip side of this game based on just your spending and I'll only give you 3 examples instead of the many more I could
That 1k this month and the Hyatt card get's you 2 free nights anywhere in the world .....value (1k-2k+)
That 1k the next month gets you 50k miles (PRG)..... value (500-1k +)
Finally 2k the next 2 months gets you IHG and what the heck extend your vacation 3 or more days while your at it .....value ($700-900+)
Total based on your 4 months of spending no ones else Min.$2200 Max $3900 value
The $240 on that 2% card from the year use it for a rental car for the trip above or spending money
New total $2440-$4140 and you have 8 months to continue to add value vs a free score
You now have 8 months left in the year to prosper more from that 1k per month....(light bulb )
My point here is do not assume that anyone here no matter what your spending is can not benefit from this game based totally on what you spend anyway no extras no splurging and you by no means have to be considered a BIG SPENDER you can get more than $240 per year on $500 monthly spend
However you have to open your eyes and ears to what were saying and absorb the info and process it....and we can't do that part for you....Lol
Anyone can take the free scores all others need to take the free benefits or perks that come with the card based on your needs and spending and come out much better in the short and long term
Disclaimer $$$$ amounts are based on current rough EST values and subject to change at time of booking YMMV
This is MJ your perks funding source administrator
@myjourney wrote:
@Anonymous wrote:I don't know about flood gates, but I could see a lot of people scooping it up. I mean people on this forum have 20 even 60 credit cards. I'd get it for the simple reason that I'd like to see all 3 of my FICO credit scores all in one place every month for free. Even if I swiped the card once a year just to keep it active, to me, it would be worth having for the FICO score info. I'm sure there are plenty of others that wouldn't mind that perk as well. Points and cash back don't really do much for me. Sure everyone wants a card with cash back or whatever so they feel like they're getting a deal but in the grand scheme of things it's not significant. If I spend a grand a month that's $20 a month or $240 a year with your typical 2% on everything card. Sure $240 is nice and all, bit it's not a significant amount if you look at the big picture. I get for higher rollers that number can be much bigger, but for your regular everyday guy like myself I don't get all gassed up over $240.
I get your level of spend and what you're saying about your case of spending 12k per year on CC's and for some the $240 per year means a lot
But now let me open your eyes to the flip side of this game based on just your spending and I'll only give you 3 examples instead of the many more I could
That 1k this month and the Hyatt card get's you 2 free nights anywhere in the world .....value (1k-2k+)
That 1k the next month gets you 50k miles (PRG)..... value (500-1k +)
Finally 2k the next 2 months gets you IHG and what the heck extend your vacation 3 or more days while your at it .....value ($700-900+)
Total based on your 4 months of spending no ones else Min.$2200 Max $3900 value
The $240 on that 2% card from the year use it for a rental car for the trip above or spending money
New total $2440-$4140 and you have 8 months to continue to add value vs a free score
You now have 8 months left in the year to prosper more from that 1k per month....(light bulb )
My point here is do not assume that anyone here no matter what your spending is can not benefit from this game based totally on what you spend anyway no extras no splurging and you by no means have to be considered a BIG SPENDER you can get more than $240 per year on $500 monthly spend
However you have to open your eyes and ears to what were saying and absorb the info and process it....and we can't do that part for you....Lol
Anyone can take the free scores all others need to take the free benefits or perks that come with the card based on your needs and spending and come out much better in the short and long term
Disclaimer $$$$ amounts are based on current rough EST values and subject to change at time of booking YMMV
This is MJ your perks funding source administrator
+1