jamesmccann11

I was approved for an $8500 CL.  My CK score is 734.  They pulled from experian (735).   

Applied online 12 days ago and got the "needs more processing time" message. 5 days later I got an email asking to send copy of utility bill to provide proof of address.  Was approved last night (email) for cl of $7000.  CK score of 666 but had an Experian score of 707 (they pulled from Experian).  I'm very happy, my only other credit card is a platinum card from CapOne with a $750 limit (which they refuse to raise), but 4 years of perfectpayments (auto, CC etc).  Thanks CK and Citi, I worked hard for the last 4 years to rebuild my credit credit and finally I have a good CC with a high limit!

 This card is good when you're trying to rebuild your credit and the positives stop there.  I got this card 3 years ago when my credit was shaky, but now after 3+ years of perfect payments, higher credit score, zero debt, 80k income, and 35k in the bank I still have a credit limit of $750!  This is a subprime card and they will never raise your limit above $1000.  CapOne sends me more offers for other subprime cards and balance transfers and cash advance checks.  I don't underdstand why this company continues to offer me products I clearly don't need and why they won't recognize my credit worthiness and offer me a better credit card.  Really, why would I want 2 subprime cards with credit limits of less than $750??      However I continue to pay the $60 annual fee so that I have longer standing accounts of my credit report.  Other than that this card sits in a drawer at home.  If they actually offered me a decent card I would happily do all kinds of business with them (carloans, credit cards etc).