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It was an interesting journey. The day I got the card, I called the backdoor number from this board and said I wanted to cancel the card when they (1) would not upgrade it and (2) would not tell me why I was denied. So then the person who they transferred me to (to cancel the card/try to retain me) said she would upgrade me in a month. She said it was probably just the inq's why I was denied the cash+. I had not heard anything from her (she said she would call) I called and the new rep I got said there were no upgrades on my account. I was super mad but decided just to keep the card for 6 months like she suggested. Then a month later my cash+ card came unexpectedly in the mail. So... If you have inq's.... Just wait to avoid all that.
@flowfaster wrote:
Hey Crashem, I pulled the trigger with a frozen ex. Got the 7-10 day reply. I checked usaa and no inq has showed up. I thought they would pull eq but they must have tried to pull ex. Lol well no harm done.
Very few people get instant approval for this card. It is the holiday weekend, so the INQ prob just has not shown up yet. When I apped, they pulled TU. I am in MI.
@LS2982 wrote:
Sounds like they tried to pull EX, are you going to unfreeze it?
No I don't think I will, I have double digit inq's on EX. I will wait till December like I first planned to unfreeze my EX. I just couldn't help myself. lol
@flowfaster wrote:
@LS2982 wrote:
Sounds like they tried to pull EX, are you going to unfreeze it?
No I don't think I will, I have double digit inq's on EX. I will wait till December like I first planned to unfreeze my EX. I just couldn't help myself. lol
I hear ya!!! I want to app for Citi but I want to meet my garden goals and be prepared to get the highest CL possible. I'm hoping i'm not blacklisted. by 7/13 I should be a go!
@LS2982 wrote:
@flowfaster wrote:
@LS2982 wrote:
Sounds like they tried to pull EX, are you going to unfreeze it?
No I don't think I will, I have double digit inq's on EX. I will wait till December like I first planned to unfreeze my EX. I just couldn't help myself. lol
I hear ya!!! I want to app for Citi but I want to meet my garden goals and be prepared to get the highest CL possible. I'm hoping i'm not blacklisted. by 7/13 I should be a go!
I want citi too. What product are you thinking of apping for?
I just wanted to chime in.. There is alot of info being tossed around and wanted to toss in my experience. Score was 715.. The inq's issue.. I think i have 15 (8 i think are from one car buying trip) . Utility .. I am at 16% last time i checked. (an ashley furniture card 3800/6200 Matress firm 4500/5700 and Nfcu 14.9k/20k But we have been working hard and have paid down close to 7k in credit card debt the last 3 months ) I have quite a few cards citi at 17.5k , amex gold and blue cash preferred 3.6k , discover 3.6k, psecu combo 20k , boa amex 7.5k(just to name a few) My AAOA is 2.6 yrs. Not the prettiest but they still gave me a 7.5k CL