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Merry Christmas from Cap One!!

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Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

 

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

 

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

 

But no FICO. :(

 

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

 

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

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I tried that this week and was denied because I haven't been at my current limit long enough. February will be 6 months. My monthly CC spending is pretty good, but I guess that didn't matter.

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Maybe at the 6 month mark they'll give you one. A lot of issuers are like that in that they require a minimum wait between CLIs.

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But no FICO. :(

 

I've tapped the luv button at CrapOne and got denied for insufficient usage and less than three months of recent payment history. No FICO score on these denials which leads me to believe they're denying on internal parameters and not anything within your CR

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But no FICO. :(

 

I've tapped the luv button at CrapOne and got denied for insufficient usage and less than three months of recent payment history. No FICO score on these denials which leads me to believe they're denying on internal parameters and not anything within your CR

I agree. All of the reasons I received had nothing to do with scores or reports.

 

I can't wait until I feel like I can close my Cap1 card and move on.

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They'd always deny for insufficient usage, but still give me the FICO from their latest soft pull.

 

Anyhow, my goal was the FICO and the b'tards gave me $5k instead. Bummer ... NOT. :)

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Hell, if it were Disco ...

 

1. Hard pull

2. $500

3. Snarky comment that they were doing you a favor.

 

God bless Cap One. :)

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Hell, if it were Disco ...

1. Hard pull

2. $500

3. Snarky comment that they were doing you a favor.

God bless Cap One. :)

This^

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But no FICO. :(

 

I've tapped the luv button at CrapOne and got denied for insufficient usage and less than three months of recent payment history. No FICO score on these denials which leads me to believe they're denying on internal parameters and not anything within your CR

 

I agree. Same situation here.

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Congrats! 15k is nice and not bad at all!

While a lot of folks have Cap One cards with far higher limits, $15k -- or even $10k -- on Cap One's HSBC b'tard child is pretty darned good in my book -- especially without having gone the EO route on this last CLI.

 

I think the trick with Cap One is decent usage, improving credit profile and just being in line at the trough at just the right time. Holiday season should be a good time all around for CLIs.

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Hell, if it were Disco ...

1. Hard pull

2. $500

3. Snarky comment that they were doing you a favor.

God bless Cap One. :)

This^

 

 

If it were my account, it would be 4 hard pulls (2 EX, 2 EQ), then no CLI and a snarky comment.

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Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

 

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

 

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

 

But no FICO. :(

 

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

 

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

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Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO. :(

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

 

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

 

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

 

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

 

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

 

But do you think there is a reason for me to PC to a different product?

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Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO. :(

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

 

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

 

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

 

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

 

But do you think there is a reason for me to PC to a different product?

 

When Cap1 offered me the rewards, it was with the QS card. There wasn't an option to keep the regular card and add rewards. So if you are getting the 1.5% rewards, I guess there is no real reason to get the QS card. My QS card doesn't have the raised numbers, so it does look different.

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Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO. :(

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

 

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

But do you think there is a reason for me to PC to a different product?

When Cap1 offered me the rewards, it was with the QS card. There wasn't an option to keep the regular card and add rewards. So if you are getting the 1.5% rewards, I guess there is no real reason to get the QS card. My QS card doesn't have the raised numbers, so it does look different.

What about the Venture card? Is it better than QS, in your opinion?

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Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO. :(

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

But do you think there is a reason for me to PC to a different product?

When Cap1 offered me the rewards, it was with the QS card. There wasn't an option to keep the regular card and add rewards. So if you are getting the 1.5% rewards, I guess there is no real reason to get the QS card. My QS card doesn't have the raised numbers, so it does look different.

What about the Venture card? Is it better than QS, in your opinion?

 

Well, Venture is a travel rewards card. I prefer the cash. Having said that, it looks like there is a nice sign up bonus for the Venture card now (40,000 points) plus waiver of the annual fee for the first year. I have no knowledge about redeeming those points for travel (how difficult, how much, etc).

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Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO. :(

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

But do you think there is a reason for me to PC to a different product?

When Cap1 offered me the rewards, it was with the QS card. There wasn't an option to keep the regular card and add rewards. So if you are getting the 1.5% rewards, I guess there is no real reason to get the QS card. My QS card doesn't have the raised numbers, so it does look different.

What about the Venture card? Is it better than QS, in your opinion?

 

It all depends. Are we talking about the QS Visa Signature or QS1 Master Card with the annual fee. There is also a V and V1. The V has an annual fee and pays 2% CB on travel, the V1 pays 1.25% CB on travvel and has no AF. If you charge a ton then the V would be better JMHO.

So it all depends on your spending habbits

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Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO. :(

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

But do you think there is a reason for me to PC to a different product?

When Cap1 offered me the rewards, it was with the QS card. There wasn't an option to keep the regular card and add rewards. So if you are getting the 1.5% rewards, I guess there is no real reason to get the QS card. My QS card doesn't have the raised numbers, so it does look different.

What about the Venture card? Is it better than QS, in your opinion?

 

It all depends. Are we talking about the QS Visa Signature or QS1 Master Card with the annual fee. There is also a V and V1. The V has an annual fee and pays 2% CB on travel, the V1 pays 1.25% CB on travvel and has no AF. If you charge a ton then the V would be better JMHO.

So it all depends on your spending habbits

 

I have the QS MasterCard and there is no annual fee attached to the account.

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If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

 

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

 

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

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If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

Ok. Now it's clear.

 

I've got the no-annual-fee card with 1.5% cashback on all purchases. It's not the QS, but if it walks like a duck and talks like a duck ... .

Edited by PotO

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If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

Ok. Now it's clear.

 

I've got the no-annual-fee card with 1.5% cashback on all purchases. It's not the QS, but if it walks like a duck and talks like a duck ... .

 

 

Yep, no reason at all for you to PC IMO. You certainly wouldn't want to PC to the AF Venture card either. If you do, there's no signup bonus.

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If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

Ok. Now it's clear.

 

I've got the no-annual-fee card with 1.5% cashback on all purchases. It's not the QS, but if it walks like a duck and talks like a duck ... .

Yep, no reason at all for you to PC IMO. You certainly wouldn't want to PC to the AF Venture card either. If you do, there's no signup bonus.

Ooh... I just did that.

 

I just wasn't interested in having 3 cap 1 accounts and wanted the venture.

 

I got the AF fee waived for first year

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      I already had one $5000 Cash Rewards Visa with BofA and a $300 limit Signature Visa as well. The $300 Visa was open since 2007. The $5000 limit one has been open since 2011. I also have a $2500 Amazon store card since about 2011 and a Capital One Quicksilver Visa with an $800 limit, and a Capital One Platinum MasterCard with a $700 limit. Have had both of those since 2010. The $5000 BofA Cash Rewards card, Amazon Store Card, and both Capital One cards have all been as the limit since last summer. I never had any late payments. I have had my checking account with BofA since 2007. I also have a business account with BofA. No Money Market amounts or anything like that with them. My Experian score is 726 (That's who they pulled)
       
      I was in the branch on Monday and the teller said I had a Credit Card offer. So I sat down with the representative, and had him put in an application for another Cash Rewards Visa with a $5000 limit. That was instantly approved and I got the credit card in the mail yesterday. So today I'm at work and decide to call in and do a balance transfer from my other cards to my new card. While I'm talking to the CSR I ask if he thinks I can get a CLI to 10 or 15 grand. He said he thinks I can and maybe they won't even do another inquiry since I just got this card yesterday. I said ok go for it. 15 grand. He doesn't get an immediate answer back and says I should hear something in the next 3 days. This was around 1PM today. I check my account at 4 and I see my limit is up to $15000 on my new card. Wooo hooo! The CSR also said that I can get a cash advance for up to my maximum credit line at 0% until April of 2016. Fees are 3%. He already had approved me for $4800 (Since my initial credit limit on the new card was only $5000) but said once I get my CLI just call him back and he can give me more.
       
      I'll be calling him Friday! Lol I'm gonna put all my other card balances on here so I can get the 0%. They'll be paid off well before then.
    • By CreditLuv
      Since I've seen the light from this board and MyFico.com I now understand that to really help your chances in the future to increase one's current credit line limits it's best to try to run as much through your CC's as possible everyday instead of just using your bank debit card, cash or writing checks.



      One poster on this board or Myfico (i forgot which one( stated he was running $10-$15K a month on a $5K limit card using this strategy without the cash advances though I think.



      My question is two fold.



      To help with mass usage of my credit cards (on all my personal and different businesses I own for day to day, monthly and yearly expenses) will CASH ADVANCES help or hurt me in the eyes of the credit card companies in regards to helping me increase my credit limits? Basically do CC companies see someone that takes cash advances differently then someone that spends the exact same amount on some product or service?



      Like they're in need of the cash and more of a risk to them. For example instead of paying a contractor for work they do for you with a check you could pay them in cash through a CC cash advance. Yes, you'd get hit with a 2-3% fee. But you would get to run more transactions through your credit cards and thus in theory you would use your CC's more instead of just for purchases of products or services.



      Again from everything I've read, besides keeping your CC at a zero balance and then leave $2 on one card every month. For maximum chances to increase your credit lines the more transactions the CC companies see you do every month the more likely they are in the future to give you a CLI but also a bigger one correct?



      Please chime in with your first hand experiences with this.



      Thanks so much.



      I'm finally finalizing my Christmas Breaking Bad marathon (watching Season 5 episode 12) so all his cash has got me thinking cash!

    • By Quietman
      OMG! Can't believe it worked!
       
      DW applied for 3x CLI, from $9,400 to $28,200, instant approval!
       
      It was on her Amex Blue everyday card.
       
      Her FICO scores:
       
      Exp : 789
      TU : 798
      Eq : 806
       
      Card used lightly over last 61 days, PIF always. She wants to achieve credit pimp status in the next year!!
       
      Thank you fellow CB'ers for all the great advice! (special shout out to BobWang, Ubercat, mendlesshon, HoustonLynne, CV91915, SecretAgentWoman)
       

       
       
    • By belairpatrol
      High utility rate, just got 10 month statement. Have not asked before nor was there an auto at 6 months.
    • By mrage
      So, I logged into my Walmart account today to check my balance as my statement cuts soon. I saw a late payment fee. I'd let $2 report and was completely sure that I'd paid it the day after, but I apparently did not. I just got done setting alerts in my calendar for all payment due dates (should have done that already.) Lesson learned.
       
      I just received an auto cli from $400->$1000, so I was going to click the luv button in March. How bad have I shot myself in the foot here? Might I be better calling the UW when the time comes, and explaining myself?
       
      Feel kind of ill about it. But on the other hand, of all my cards, that would be the one I'd pick to have learned that lesson on, so there's a silver lining at least.
       
      Please feel free to berate me, I need the negative reinforcement



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