topic Re: Gardening works. in Credit Cards

Gardening works.

Anonymous — Tue, 01 Oct 2013 17:38:50 GMT

After being in the garden for a mere 4 months, I was tempted to leave by Discover's auto CLI of $500.

Checking with Cap 1, I was informed that I wasn't able to PC my Platinum to a Quicksilver without a hard inq, so that was a no go.

Wanting to add another prime lender, I tried my luck with Chase's Pre-Qualifying link and was notified that I was good to go for their Freedom/Slate.

Application submitted and received approval!

With that in mind, I closed my first CC of Elan Financial, they were just not willing to grow with me, even with my other cards having considerably higher limits.

My stable includes Discover, Chase, and Capital One. Not too shabby, I think!

Re: Gardening works.

Anonymous — Tue, 01 Oct 2013 17:40:38 GMT

J14K if your Elan was a KeyBank card, Key is retaking those very soon. Though idk if Key will grow their cards or not, as they just recently started self servicing their cards again.

Re: Gardening works.

yudeology101 — Tue, 01 Oct 2013 17:42:02 GMT

@Anonymous wrote:
After being in the garden for a mere 4 months, I was tempted to leave by Discover's auto CLI of $500.

Checking with Cap 1, I was informed that I wasn't able to PC my Platinum to a Quicksilver without a hard inq, so that was a no go.
Wanting to add another prime lender, I tried my luck with Chase's Pre-Qualifying link and was notified that I was good to go for their Freedom/Slate.

Application submitted and received approval!

With that in mind, I closed my first CC of Elan Financial, they were just not willing to grow with me, even with my other cards having considerably higher limits.

My stable includes Discover, Chase, and Capital One. Not too shabby, I think!

Congratulations on your approval! On the other hand, I've PC'd my Cap1 Platinum to QS w/o a HP, try calling the Cap1 EO once again and ask for SP if possible. Cap1 has been really great giving me a CLI & PC with just SPs.

Re: Gardening works.

NikJ4 — Tue, 01 Oct 2013 17:43:39 GMT

I need to get back to the basics and set goals....

Re: Gardening works.

Themanwhocan — Tue, 01 Oct 2013 17:43:46 GMT

Congrats. I also closed an Elan card 5 days ago. so long 1.25% cash back.

It was an Emigrant Direct card.

Re: Gardening works.

Creditaddict — Tue, 01 Oct 2013 17:45:32 GMT

what is this about a PC with HP... Who told you such a thing?

Capital One doesn't even do HP for CLI requests... those reps couldn't even find a credit report if they tried...

Call 800-955-1455 - This is the Executive Office, they can probably have you product changed in 2 minutes... get the Quicksilver!

congrats on chase!

Re: Gardening works.

Anonymous — Tue, 01 Oct 2013 17:46:27 GMT

@Anonymous wrote:
J14K if your Elan was a KeyBank card, Key is retaking those very soon. Though idk if Key will grow their cards or not, as they just recently started self servicing their cards again.

Ahhh, it was with my local credit union. I think I've seen the news about KeyBank, but I don't bank with them though.

Re: Gardening works.

Anonymous — Tue, 01 Oct 2013 17:48:31 GMT

@Creditaddict wrote:
what is this about a PC with HP... Who told you such a thing?
Capital One doesn't even do HP for CLI requests... those reps couldn't even find a credit report if they tried...
Call 800-955-1455 - This is the Executive Office, they can probably have you product changed in 2 minutes... get the Quicksilver!

congrats on chase!

Again, this is why I post here.

I'm not taking a HP for nothing, and I realize Cap 1 Reps can be quite ignorant.

I'll take down the number and give them a call after Chase posts to my credit report.
It might make my case more appealing, and hopefully inclusive of a higher limit and lower apr

Re: Gardening works.

09Lexie — Tue, 01 Oct 2013 17:50:33 GMT

Congrats on your new Freedom. Cap 1 doesn't do HPs for PC or CLI's. - definitely try again.

Re: Gardening works.

Anonymous — Tue, 01 Oct 2013 17:57:12 GMT

Oh ok, just making sure =) though I think I failed to catch you before the closure anyway lol