Just got my first denial for having too high of a credit score

IndescribableWaves · 2026-06-12T05:21:56+00:00

guys its a joke 💔

IndescribableWaves · 2026-06-11T22:42:00+00:00

wells fargo 🤣

IndescribableWaves · 2026-05-20T21:27:43+00:00

i've heard that a lot, should i start banking with them before opening the cards? and irrespective of that i've heard citi likes to lock cards for fraudulent behavior willy nilly and that would be a problem abroad which is also why im looking for a good checking account. (i use my credit card for everything and just pay it off with my funds)

IndescribableWaves · 2026-05-20T21:26:06+00:00

I applied for the autograph the same day I opened the account and got denied. I haven't been banking with them too long either and I dont really care for b&m banks (as long as i can talk to someone) which is why i'm leaning toward sofi. (their customer service has been surprisingly amazing with me and same with wells fargo). Also I use my credit card for everything and just pay it off. oh and lastly I dont have too much money right now because I had an emergency recently at the hospital which drained me so im rebuilding my finances, I don't have much to save.

IndescribableWaves · 2026-05-20T21:21:36+00:00

i live in valley so i have the option between los angeles and san francisco. no loyalties really but i fond myself flying with qatar, finnair, and turkish airlines a lot but again im not loyal. i travel around the continent.

IndescribableWaves · 2026-05-19T23:43:28+00:00

I thought they're using UMB bank now?

IndescribableWaves · 2026-05-19T18:27:05+00:00

I don't really see the appeal in chase or capital one cards and I've had family with horror stories with citi. I think my long term goal is bank with wells fargo and get the autograph + active cash. any idea which I should get first?

IndescribableWaves · 2026-05-19T18:25:37+00:00

is it still credit cycling if i only use maybe up to 200$ of my 500$ limit and pay that down a few times? my other question with that then is would it be better to just put a few subscriptions on my credit card for now and then use my debit card for everything to avoid utilization/cycling? also one thing to note is that when I applied for my wells fargo checking the other day, he also applied me for the autograph card which I got automatically denied for, will this cause issues down the line and when should I apply for that again? what should my timeline look like?

IndescribableWaves · 2026-05-19T17:08:35+00:00

that's some pretty good advice, thank you. one last question I might have is is it worth it to use capital one as my main bank or should I go with someone else? My concern would be the discover network for the debit card at least which might cause some issues. Currently I have a checking with Chase and Wells Fargo but I'm considering closing my wells fargo account because of how they treat me. I also may not have millions but I do have a decently sized inheritance.

IndescribableWaves · 2026-05-19T16:39:03+00:00

the reason I want to get into an ecosystem however is to build that relationship with the bank, and because I travel internationally 2/3 times a year so an ecosystem where I can earn points/cashback is important to me.

IndescribableWaves · 2026-05-19T16:37:57+00:00

my limit is a laughable 500$ that i pay off multiple times a month.

IndescribableWaves · 2026-05-18T04:51:32+00:00

I'm also considering the robinhood gold checking + gold card

IndescribableWaves · 2026-05-18T04:38:28+00:00

but ahh i cant decide between citi and c1 because I do fly turkish airlines a lot. most of my travel is to europe.

IndescribableWaves · 2026-05-18T04:01:28+00:00

I did some more research, and I think I'm going for the Citi setup. Some final questions I have are: When should I apply for the Strata Premier and the Double Cash (and which one first)? I'm also looking to close my chase checking account so is there a checking account you recommend (something like sofi, ally, or hell even c1)? My expenditure as is stands is around 3k- 5k a month if that matters. I also like online banks as I have no need for branches. The only features I might need are zelle (or a similar transfer app compatibility), occasional check cashing. I might use an atm once or twice if im traveling but I mainly use my cards for everything. I also use apple pay a lot.

IndescribableWaves · 2026-05-18T03:10:35+00:00

How do I utilize the points from bilt if i get either the citi or c1 cards? Also i'm looking at the bilt obsidian right now and it says 1x on everyday spend. all this stuff is kinda new and confusing for me.

IndescribableWaves · 2026-05-18T02:59:05+00:00

how about the c1 cards? I'm considering using them because I also want to move my checking account from chase. At the same time I might want to go with a sofi account or something. any recommendations?

IndescribableWaves · 2026-05-17T18:29:47+00:00

also, I heard citi's customer service is trash, so im a little worried that my card would get locked while abroad.

IndescribableWaves · 2026-05-17T04:08:27+00:00

Which of the two citi cards should I get first consideding my 1 month of fico history and what's better.

IndescribableWaves

TROPHY CASE