topic Re: should I PC with cap1 or wait in Credit Card Applications

should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 19:29:26 GMT

Hello good ppl...I am going on 1 yr.anniversary with Cap1 and I'm wondering if I should wait until after they CLI (if they do)??? My 12th statement cuts on the 9th and I don't want to interfere with my chances of auto-luv. I started with the credit steps and a measly 300 limit which was increased to 1300 after 5 months. Now its 6 months later and I'm clueless despite all of the helpful posts I've read...Can u guys shed some light for me....BTW I love this forum!!! And I'm new here.

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 19:30:23 GMT

@Anonymous wrote:
Hello good ppl...I am going on 1 yr.anniversary with Cap1 and I'm wondering if I should wait until after they CLI (if they do)??? My 12th statement cuts on the 9th and I don't want to interfere with my chances of auto-luv. I started with the credit steps and a measly 300 limit which was increased to 1300 after 5 months. Now its 6 months later and I'm clueless despite all of the helpful posts I've read...Can u guys shed some light for me....BTW I love this forum!!! And I'm new here.

I'd wait.

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 19:34:48 GMT

Ok now what do you think my chances for auto love..???

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 19:39:24 GMT

@Anonymous wrote:
Ok now what do you think my chances for auto love..???

They love frequent use.

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 19:40:53 GMT

@Anonymous wrote:
@Anonymous wrote:
Ok now what do you think my chances for auto love..???
They love frequent use.

+1.

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 19:51:01 GMT

Ok guys thanks I do use it frequently and make several large payments per mn to keep my until low. Do you all have any idea on how they determine what your increase will be???

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 19:55:49 GMT

@Anonymous wrote:
Ok guys thanks I do use it frequently and make several large payments per mn to keep my until low. Do you all have any idea on how they determine what your increase will be???

No real rhyme or reason to this lender. Just cross your fingers.

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 20:01:16 GMT

Lol!!!

Thanks I'll cross my fingers but won't hold my breath. Does Barclays operate in the same manner??? I will be at my sixth month statement with them next month??? Should I expect auto luv from them or cross my fingers again???

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 20:02:21 GMT

@Anonymous wrote:
Lol!!!
Thanks I'll cross my fingers but won't hold my breath. Does Barclays operate in the same manner??? I will be at my sixth month statement with them next month??? Should I expect auto luv from them or cross my fingers again???

Barclays also likes heavy use and big payments. Yeah, I'd expect it at 6-7th statement..

Re: should I PC with cap1 or wait

App_Addict — Wed, 04 Feb 2015 20:42:04 GMT

@Anonymous wrote:
@Anonymous wrote:
Lol!!!
Thanks I'll cross my fingers but won't hold my breath. Does Barclays operate in the same manner??? I will be at my sixth month statement with them next month??? Should I expect auto luv from them or cross my fingers again???
Barclays also likes heavy use and big payments. Yeah, I'd expect it at 6-7th statement..

@Anonymous, one more post for 10,000!!!! MAKE IT HAPPEN!

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 20:44:17 GMT

@App_Addict wrote:

@Anonymous wrote:
@Anonymous wrote:
Lol!!!
Thanks I'll cross my fingers but won't hold my breath. Does Barclays operate in the same manner??? I will be at my sixth month statement with them next month??? Should I expect auto luv from them or cross my fingers again???
Barclays also likes heavy use and big payments. Yeah, I'd expect it at 6-7th statement..
@Anonymous, one more post for 10,000!!!! MAKE IT HAPPEN!

Lol, Been there done that!

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 20:47:36 GMT

OOOOK and so the story goes.....LOL!!! Thanks for all your help. One last question for now is do you think that once I do get a cli I should transfer my available credit to one Cap 1 card and close the other 2. I am rebuilding since last Feb (14) and I have 3 Cap1 cards a platinum (500) limit, Quicksilver rewards (750), and CS1 (1300). Which would be the best one for me to keep or how should I go about this?

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 20:49:56 GMT

@Anonymous wrote:
OOOOK and so the story goes.....LOL!!! Thanks for all your help. One last question for now is do you think that once I do get a cli I should transfer my available credit to one Cap 1 card and close the other 2. I am rebuilding since last Feb (14) and I have 3 Cap1 cards a platinum (500) limit, Quicksilver rewards (750), and CS1 (1300). Which would be the best one for me to keep or how should I go about this?

In the case that Capital One even did this, I'd say go for it.

But they don't.

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 20:51:31 GMT

BTW you all have some impressive profiles if I had what you have I do believe I would stop. Thanks guys!!!

Re: should I PC with cap1 or wait

App_Addict — Wed, 04 Feb 2015 20:51:55 GMT

Dang, when I saw it, it was 9999! Congratulations and keep the great advice a flowing!!!

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 20:53:08 GMT

@Anonymous wrote:
BTW you all have some impressive profiles if I had what you have I do believe I would stop. Thanks guys!!!

Well thanks. I have stopped as of December to let my accounts age.

Re: should I PC with cap1 or wait

Anonymous — Wed, 04 Feb 2015 20:57:55 GMT

Yes Nixon I have read I don't know how many of your helpful messages. Congrats and keep the info coming.