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Cap 1 - Winning!

Contributor

Cap 1 - Winning!

I have been on the board in the past stating that I couldn't get any of my cards to CLI (both Discover and Cap 1) forever.  I have had a Quicksilver that used to be a Journey (upgraded some time ago) from around 2010 I think.  I had to combine another card into it to get it to it's current SL - almost 4K.  I have been trying to get a CLI on it for a long time - probably 18 months or more.  After being told "no" again this month, I decided it was time to get a new Cap 1 card and start working toward the combo process again.  After reading other's stories here - I thought - Maybe I'm bucketed differently now....

 

Though I realize that my scores aren't necessarily the Quicksilver range - I applied on 11/30 for a regular QS anyway (not QS1) because I already have one, and I like the fact that there's no annual fee.  I immediately got the 7-10 day message and figured it was a denial.  I called CS and they said it was under review and I could call and check the application status line after 48 hours.  I let it go assuming a denial (as has been in the past).

 

To my surprise, I got a letter in the mail from them yesterday - 12/6 - not only stating that my new QS had been approved - but that my new SL will be 15K!!!!!!  WOOP WOOOP!!!!

 

I do have a NFCU card with an 18K SL - so the SL isn't what got me so excited (though it is pretty sweet)...  Its that after YEARS of $100-300 CLI's on my Cap1 cards - if at all - I finally get a big girl card with them!!  I couldn't feel more reassured that what the DH and I have been doing with our rebuilds has been the right thing.

 

Now to crack the Discover code...... ;-)

BK7 d/c:03/2010
8/16/15 - MyFICO EQ-582 TU-601 EX-573
12/7/2017 - MyFICO EQ-640 TU-669 EX-667
7 REPLIES
Senior Contributor

Re: Cap 1 - Winning!

Very NICE, CONGRATS!!!

Last App: 10/2/17
Gardening Until Further Notice
15 Credit Cards (10 Major Banks & 5 Store Cards)
No AF's/Overall Utilization Hovers around 4%
Message 2 of 8
Community Leader
Valued Contributor

Re: Cap 1 - Winning!

Congrats! Nice approval! 

AMEX PLATINUM, DELTA PLAT & SPG | PenFed PR | NFCU FS | Discover IT | CAP1 QS & VENTURE | LOWES l NORDSTROM I WAYFAIR I
Message 3 of 8
Senior Contributor

Re: Cap 1 - Winning!

Holy moly!  If you prepay Spotify for the next 2000 months right now they'll credit you back 50% lol.  

 

166 years of Spotify...

Message 4 of 8
Senior Contributor

Re: Cap 1 - Winning!

Has to be a great feeling to know your credit journey with DH is finally paying off. Congrats there!

FICO 08 Scores (Mar-18): TU 796, EQ 798, EX 789

Message 5 of 8
Regular Contributor

Re: Cap 1 - Winning!

Congratulations! Awesome SL.

17 February 2018: (FICO Score 8) EQ 809, EX 791, TU 823.
Gardening until 14 May 2019 when my last 0% APR offer expires.
Message 6 of 8
Established Contributor

Re: Cap 1 - Winning!

Nice read.  Diligence pays off.  Congratulations.



_______________________________________________________________

April 2017 FICO 8 Scores - EX 696 | EQ 621 | TU 655
March 2018 FICO 8 Scores - EX 740 | EQ 755 | TU 740
Message 7 of 8
Established Contributor

Re: Cap 1 - Winning!

look@ that. BIG C O N G R A T U L A T I O N S to you on your new card and limit. So there is life beyond QS1....gotta check it out. I think QS1 cards are starter cards. You make we wanna unfreeze TU to see what I'll get.
OpenSky®VSA: $375 | First ProgressMC: $404 | CapOneMC: $605 | CapOneQSMC: $2350 | Cabela'sVSA: $4000 | Barclaycard® RewardsMC: $20000 | BlazeMC: $2000 | First SavingsMC: $1500 | LegacyVSA:$1750 | AMEX BCP®: $9000 | AMEX Hilton Honors™: $6000 l Discover: $5300 | Chase Freedom: $4800 | Chase SLATE: $3800 | CSP®: $7000 | United MileagePlus®: $7000 | Amazon RewardsVSA: $4800 | Old Navy: $4500 | Gap: $4500 | Banana Republic: $4500 | Walmart: $10000 | SamsClub:$10000 | AEO®VSA: $8000 | TJX MC: $6000 | Amazon: $4000 | Belk: $5000 | Macy's: $20000 | J.Crew: $3000 | Overstock: $6200 | SMG VSA: $3800 | Abercrombie: $2100 | Express: $2900 | Buckle: $2500 | Kay: $6750 | PayPal: $3520 | Citi® / AAdvantage® Platinum: $16000 ***FICO08 as of: Dec 19th 2017-EX: 731 | EQ: 727 | TU: 756***



Message 8 of 8