I have no problem trading inquiries for high limit credit cards with 1.5% cash back, no annual fee, $100 bonus, and 0% for 10 months.
Maybe I am too grateful and loyal, but inquiries really don't matter that much to me if I am getting the credit I requested.
@OP I use to have you train of thought and despised I mean despised Cap1.. Although I was the one that created my own situation, I hated the triple pull for 300-500 CL's. Honestly it took me about 7 months of proof they are changing their ways to allow for a triple pull for 30k in CL's.. Seems fair to me 10k for each bureau when you can apply for a barclay's or us bank or citi or what not and get 2-5k approval off a single or possible double pull. I am convinced they are changing their business model. So many things I have seen over they last 7 months shows this. How they allow you to contact the EO right off now, how they are handing out good limits, how they are servicing the customer better in every way shows this, etc.. They do have their faults and like every other CC company yes they want you to only use them and I use to take the triple pull as them basically claiming their territory on you, but quite honestly I like diversifying and Cap1 doesn't take AA on their customers like Barclay's/Chase and many other lenders are known to do, so they have their place in my wallet for the forseeable future!
The quicksilver is the easiest rewards CC out there IMO, instant rewards, no min redemptions, etc.... Only thing I don't like about they card is it is so dang ugly! I can overlook that though
@CreditCuriousity wrote:@OP I use to have you train of thought and despised I mean despised Cap1.. Although I was the one that created my own situation, I hated the triple pull for 300-500 CL's. Honestly it took me about 7 months of proof they are changing their ways to allow for a triple pull for 30k in CL's.. Seems pair to me 10k for each bureau when you can apply for a barclay's or us bank or citi or what not and get 2-5k approval off a single or possible double pull. I am convinced they are changing their business model. So many things I have seen over they last 7 months shows this. How they allow you to contact the EO right off now, how they are handing out good limits, how they are servicing the customer better in every way shows this, etc.. They do have their faults and like every other CC company yes they want you to only use them and I use to take the triple pull as them basically claiming their territory on you, but quite honestly I like diversifying and Cap1 doesn't take AA on their customers like Barclay's/Chase and many other lenders are known to do, so they have their place in my wallet for the forseeable future!
The quicksilver is the easiest rewards CC out there IMO, instant rewards, no min redemptions, etc.... Only thing I don't like about they card is it is so dang ugly! I can overlook that though
I forgot to even mention about AA. Go read the post whereby an op used over 100K of his CL's, across all his CC's, just to test the waters and see which lenders would support you and which would instantly take AA, reducing your CL's or closing your account all together. Afterall, according to his argument, what good is having a high CL if the lender won't allow you to use these. In other words, he felt alot of these "high CL's" were simply numbers to make one feel good about their finances. Well within 30 day's of using 70 - 80% (100K plus) of his CL's, lenders like Amex, Chase, and Citi all quickly took action and cut him off entirely. Cap One NEVER made a peep. NEVER took AA, closed his account, or lowered his CL. He stated Cap One was one of the only CC's you could actually count on. To me, that told me who I wanted in my wallet. Go check out his post. It's fascinating. This guy has serious 🏉🏈🏉.
You can find it under FICO Scoring.