So I app'd for two today

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MemberSince99
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So I app'd for two today

Postby MemberSince99 » Sun Dec 15, 2013 4:57 pm

I had an 8 dollar balance hit my Associated card for December, totally an accident as normally I'm good about 0 balances all the way around (the rest all reported 0).


So I realized, the inquiries right now are low on all three bureaus even with Chase pulling 2 only to decline me for a CLI on my CSP, so if I am EVER going to get a Citi card it's now or never.


I thought well they've declined me without fail every single time, let's complete the streak this year. I app'd and it sent me to chat, where the CSR whose name said "Amanda" but I would bet is probably a name I can't pronounce reviewed it and said she was unable to do anything further and another department also needed to review it.
I have no idea what that means. Based on my past experiences I just assume decline, but who knows. So we will see. I don't expect much there the only good news is they've only ever done one pull. (EXP).


Then I thought well I'm also looking for a travel card that will grow with me, as CSP isn't going to, and Blue Sky isn't going to either. Barclay's Arrival had intrigued me for some time I decided to go for the annual fee card since it's a 2% card and the fee is waived the first year. I app'd for it, and it came back so quickly I thought it had to be a decline. But it said approved with a 10k limit. This should be one that can grow with me unlike Amex and Chase and the 2% all around isn't bad either.


So that's my mini-spree I'm done. I got the travel card I was looking for. I am not sure what the next move will be but currently I'm not seeing it as adding more cards.


I honestly have no idea how Citi will turn out, I expect a decline (as usual) but will keep you posted.


I feel like my card lineup is pretty complete as is.


sj632
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Postby sj632 » Sun Dec 15, 2013 5:43 pm

Keep us updated on the citi. I was never a fan of them.

What dont you like about the csp? What do you see better about barclays than csp?

MemberSince99
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Postby MemberSince99 » Sun Dec 15, 2013 6:49 pm

I don't really expect to get Citi, but I will keep you posted.


Really all I don't like is their system of CLI. Usually you have to ask, and 99% of the time when you do it's a hard pull, or 2 hard pulls as I saw. They do some auto CLIs but some folks have gone years without a thing.


In my case I can't get a CLI since I burned them in the past so I'm going to have a 5k limit for as long as I have the card. Oh I can ask anytime I like, for 2 hard pulls, and get a decline, but that would be nuts. And no I don't blame them for having a limit on me after burning them. All I'm saying is, the card isn't going to grow with me. From what I've seen once you have burned a lender, and this is just my experience, but once you burn them you are just better off going with someone else and doing your best to never do that again. I've never burned Barclays so the Arrival should be able to grow with me over time. At 10k it's fine for my needs but I just like to know that in the years down the road it can grow with me as needed, which isn't the case with the CSP (or my Amex revolvers, though strangely the charge card approved 10k about a month ago when I checked "Will my charges be approved").

sj632
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Postby sj632 » Sun Dec 15, 2013 7:20 pm

Im a big chase user. I can say that with my new freedoms I never asked for a cli but I did get them. 1500 with one year and then nothing for years. One of the was I got it was going over the limit they gave me and paying it in full a few times.

Do you really think chase wont give you a cli because you burned them before? Why would they give you the csp if they didnt want to try to rebuild "trust"? That is one of their top tier cards

MemberSince99
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Postby MemberSince99 » Sun Dec 15, 2013 7:58 pm

That's what they mentioned when I recon'd the denial, they specifically mentioned the charge offs as reasons for it. I mean, honestly, even if I hadn't burned them, it's two hard pulls to request a CLI and they can still deny you. That's a steep price to pay. And as you know, they really aren't big on autos, though they do happen.


I'm not entirely sure yet and there are a few months to go before I have to make a decision, so I'll see how it goes with Barclay's and then weigh everything before the annual fee is due. My feeling is that I haven't got much interest in cards that have no growth potential at all, but I will just weigh everything and decide if the card is worth the annual fee to me. I think it's what we should do with every card that has a fee.

wiivile
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Postby wiivile » Mon Dec 16, 2013 7:28 am

Why do you want a Citi card so badly?

And yes about Chase being stingy about their CLI's. I once got an automated phone call during Hurricane Sandy about them waiving ATM fees and offering increased credit lines for people affected by the storm, and I called up and asked for a CLI. They gave me a puny $500 CLI complete with a hard pull. Bastards. My Freedom card had just a $2,500 credit limit with a 750 score.

But then I applied for the CSP and got a $12,000 limit right off the bat. So who knows.
    Chase Sapphire Preferred Visa Signature: 11/2013, $15,000 CL
    Chase Freedom Visa: 11/2009, $4,700 CL
    U.S. Bank Cash+ Visa Signature: 11/2013, $11,200 CL

darkguy2
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Postby darkguy2 » Mon Dec 16, 2013 8:52 am

wiivile wrote:My Freedom card had just a $2,500 credit limit with a 750 score.


Wow I got a bigger limit and I only have around a 700. Also have a rather small history.
Discover IT - $5,700
Chase Freedom - $5,700
Costco Citi - $13,000
Sallie Mae - $4,000
Chase Sapphire Preferred - $6,000
Chase Sapphire Reserve - $19,500
Citi Double Cash - $6,500
Amex BCE - $13,000

FICOs: Discover (777), SallieMae (764), Amex (767), Citi (772)
FAKOs: CK- TU (760), EQ (760)

MemberSince99
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Postby MemberSince99 » Mon Dec 16, 2013 12:34 pm

It's not like I want Citi really badly. I don't think there is any card right now I want really badly.


I just would like to have tried them all so to speak, and let them all compete for my business, and the ones I like best win and get it.


The only thing worse than taking a hard pull for a 500 CLL, is taking two hard pulls for nothing, like I just did in October. Now THAT smarts. That's why I will never ask them again. Why waste the pulls. But 500, yeah that does suck, I will agree.

Obi-dan
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Postby Obi-dan » Mon Dec 16, 2013 5:16 pm

Congrats on the Barclay Arrival.
Cards:
Chase Sapphire Preferred
Marriott Rewards
Citi Hilton
Barclay Arrival
AMEX BCE (member since 95)
Chase Freedom
Discover It
Wells Fargo Platinum
Barclaycard (Apple)
Local Credit Union Visa (buy local!)


FICO Scores:
TU: 824 (Aug 2014)
Experian: 789 (Aug 2014)
Equifax: 807 (Aug 2014)

MemberSince99
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Postby MemberSince99 » Mon Dec 16, 2013 9:33 pm

Thanks Obi-dan


Update on the CITI card. I just got an email, expecting to see something along the lines of "....we have reviewed your application and after careful consideration, we regret that we are unable to approve your request at this time...."


Instead they want my employer phone number which I didn't bother putting in the application as it was optional and most don't care about that anyway, and a copy of the most recent utility bill showing my address.


To me, that sounds like an approval providing I give them that or why would they bother with it, they'd just decline like in the past. Am I reading that about right?



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