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So I have both QS1 and Plat MC that I was approved for back in August of 2014 with a CL of measley $300 unforuntately I missed 1 payment and was booted from the credit steps program. It's been a year now and for the past 6 months I've been paying on time, however, always carry a balance. I want to try for a CLI but to get the best chances of it being approved should I wait to have a 0 balance on both cards before applying?
Well I just had an experience with a late payment and a CLI. I recently switched my bank to NFCU and entered a wrong number in my account info when paying my payment. Well needless to say I had a returned payment and a late fee on top of it, Total bonehead move and I have no one to blame but myself. Well anyhow I have a platinum and a quicksilver one, I am in credit steps for both, I was late on the platinum. I was told I will remain in the credit steps for that card but they reset the clock and I must now wait another 5 months to complete the steps. Next day I asked for credit limit increases for both just out of curiosity, denied for platinum for obvious reasons and approved for 20% increase on quicksilver. Give it a shot you have nothing to lose.