Re: CapOne Quicksilve 2xCLI 10k -> 20k

App_Addict · ‎02-27-2015

Congratulations and good luck on your continued credit journey!

CURRENT SCORES: TU: 698 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 5% / Goal: 750 by 12/22

gdale6 · ‎02-27-2015

Thats a sweet CLI out of Cap-1 grats

Anonymous · ‎02-27-2015

Nice, congrats on your CLI

jezzyman05 · ‎02-27-2015

I just got a Capital One Quicksilver One Card so hopefully one day I can post about a 10k credit limit increase

Anonymous · ‎02-28-2015

Congratulations!

MissMoni223 · ‎02-28-2015

CONGRATS!!!

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)

NRB525 · ‎02-28-2015

Congratulations!

I'm working on CapOne also for a CLI past the current $10k. Two denials first for not enough usage and not high enough payments, now just for not high enough payments, which is being rectified.

The scores in your siggy are from 18 months ago? What are they currently?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Iamien · ‎03-01-2015

My scores are actually quite low at this moment due to a spike in utilization (640 or so) but when my utilization is more reasonable the scores are in the 730s.

733 TU (08/21/2013)
Amex BCE($20,000): 3% Groceries - 2% Gas - 2% Department Stores
US Bank Cash+($9,500): 5% Fast Food - 5% Cellphones - 2% Resteraunts
Chase Freedom($4000): 5% Rotating
CapOne QuickSilver($30,000): 1.5% Everything
Citi Double Cash($12,500): 2% Everything.
Lowes($2,400) 5% off Lowes.

NRB525 · ‎03-01-2015

Ok.

Interested to see what you changed your Cash+ categories to. I think Restaurants is no longer 5% capable?

For the forseeable future mine will be 5% Department Stores and Sporting Goods stores, and 2% Groceries just to have those all available.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765

Iamien · ‎03-01-2015

I've changed to 2% Resteraunts, 5% Fast Food, 5% Cellphones..

With doublecash the 2% category is useless but I like keeping all eating out on one card for rough tracking purposes.

I pay $70/mo for two lines so at least thats $3.50/mo cashback.

I don;t shop at department or sporting goods stores often enough to make them a 5% category consistently. Maybe around holidays I will consider department stores.

733 TU (08/21/2013)
Amex BCE($20,000): 3% Groceries - 2% Gas - 2% Department Stores
US Bank Cash+($9,500): 5% Fast Food - 5% Cellphones - 2% Resteraunts
Chase Freedom($4000): 5% Rotating
CapOne QuickSilver($30,000): 1.5% Everything
Citi Double Cash($12,500): 2% Everything.
Lowes($2,400) 5% off Lowes.

CapOne Quicksilve 2xCLI 10k -> 20k

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