Finally headed to the garden.....PayPal SC approval

[deluxxxe247]

Long time lurker first time poster. Approved for $700. I know I shouldnt have apped after the app spree I went on a few weeks ago, but I couldnt resist the urge for one more. Had to call in to answer some identity questions and was approved right away. I plan on linking it with my PayPal debit card.

[myjourney]

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@deluxxxe247 wrote:

Long time lurker first time poster. Approved for $700. I know I shouldnt have apped after the app spree I went on a few weeks ago, but I couldnt resist the urge for one more. Had to call in to answer some identity questions and was approved right away. I plan on linking it with my PayPal debit card.

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Welcome to the forum and congrats 

Now right this way to the garden to grow all the new seedlings you now have 

http://ficoforums.myfico.com/t5/Credit-Cards/Garden-Club-Meeting-October-2013/td-p/2483057

[jre]

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deluxxxe247 wrote:

Long time lurker first time poster. Approved for $700. I know I shouldnt have apped after the app spree I went on a few weeks ago, but I couldnt resist the urge for one more. Had to call in to answer some identity questions and was approved right away. I plan on linking it with my PayPal debit card.

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Have you looked into upgrading your capital one cards to the quicksilver?

[deluxxxe247]

I have thought about it but no. I have been reading alot about it lately though with my current report idk how I'd fare. The first one I got which is my oldest current card (3 years, 1 month) is still at the $750 it stopped at from credit steps. The second is an Orchard conversion that I've had since 7/11 still at the $300 from approval. The third says no hassle rewards but reports as platinum mc. I have had it since 1/12 and just last month received my first CLI on it, went from $750 to $850. All have perfect payment history, but I have alot of new accounts and INQ's so idk if I would get anywhere at the moment.

[jre]

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@deluxxxe247 wrote:

I have thought about it but no. I have been reading alot about it lately though with my current report idk how I'd fare. The first one I got which is my oldest current card (3 years, 1 month) is still at the $750 it stopped at from credit steps. The second is an Orchard conversion that I've had since 7/11 still at the $300 from approval. The third says no hassle rewards but reports as platinum mc. I have had it since 1/12 and just last month received my first CLI on it, went from $750 to $850. All have perfect payment history, but I have alot of new accounts and INQ's so idk if I would get anywhere at the moment.

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Check with online chat. They can upgrade you at no cost and you'll be able to enjoy 1.5% cash back. There's no inquiries whatsoever and it won't affect your age of the accounts.

[myjourney]

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@deluxxxe247 wrote:

I have thought about it but no. I have been reading alot about it lately though with my current report idk how I'd fare. The first one I got which is my oldest current card (3 years, 1 month) is still at the $750 it stopped at from credit steps. The second is an Orchard conversion that I've had since 7/11 still at the $300 from approval. The third says no hassle rewards but reports as platinum mc. I have had it since 1/12 and just last month received my first CLI on it, went from $750 to $850. All have perfect payment history, but I have alot of new accounts and INQ's so idk if I would get anywhere at the moment.

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That's a project to work on while gardening for sure SP CLI's are encouraged 

[deluxxxe247]

Well I tried online chat and got this generic response -

Nikky: Andrew, we appreciate your interest and continued business. We are working to provide the best products to our customers and may have options available in the future. Unfortunately, your account cannot be converted at this time but you’re welcome to apply for a new card product.

Figures lol...her advice-

Nikky: I will recommend you to maintain your account in good standing.

Last text message receivedNikky: Capital One reviewed accounts periodically to check for credit limit increase.

Lol what a joke, I can only hope Chase and Barclay come through with some decent CLI's in the next year so I get rid of these.

[myjourney]

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@deluxxxe247 wrote:

Well I tried online chat and got this generic response -

Nikky: Andrew, we appreciate your interest and continued business. We are working to provide the best products to our customers and may have options available in the future. Unfortunately, your account cannot be converted at this time but you’re welcome to apply for a new card product.

Figures lol...her advice-

Nikky: I will recommend you to maintain your account in good standing.

Last text message receivedNikky: Capital One reviewed accounts periodically to check for credit limit increase.

Lol what a joke, I can only hope Chase and Barclay come through with some decent CLI's in the next year so I get rid of these.

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PM coming your way 

[deluxxxe247]

Thank you MJ, just fired off an email. We shall see. *fingers crossed*

[myjourney]

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@deluxxxe247 wrote:

Thank you MJ, just fired off an email. We shall see. *fingers crossed*

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Good luck,

Look for a call Monday or Tuesday 

YMMV but rewards are usually added while your on the phone with them. CLI's take a couple of days to process