Hey all, been a while! Had some interesting (or maybe common, now?) data points to share but admittedly I've been out of the game for a while so maybe they're not so interesting.
Quick backstory: I got very sick in 2015 and was undiagnosed for years which threw me into bankruptcy in the middle of 2019. Finally diagnosed with H. Pylori which is a positively awful stomach bacteria. I wish it on no one. Anyway: wife and I discharged in 6/19. I burned Capital One QS for $4k. Understanding the credit game I didn't wait long checking for pre approvals on a monthly basis.
7/19 I get pre approval for QS1. Apply: $3K SL...... wife gets pre approval for platinum: apply: $500 SL. Still in shock about my SL after 1 month IIB. Maybe they understood it was all medical charges. Who knows.
9/19 apply for Cap1 Walmart rewards: approved $2,000 SL. Same month auto loan approval $35k @ 6% which is terrible compared to my 2.49% pre bankruptcy but EXCELLENT for someone 3 months post discharge compared to the usual 14-18%. 10/19 wife gets pre approval for QS1, approved $300SL.
Here's where it gets weird. Today I checked the product upgrade link and my QS1 was eligible for VentureOne no AF versus my $39 so I took it. My $3k is at $3.5k now and I also requested a CLI which wasn't instant just said they would get back to me, likely denial, no biggie.
But my wife's story is where I'm still confused. I just gave her the link and said login and her platinum was upgraded to a NORMAL QS???? With a $500SL? Lol. What in the world? I had no idea they even offered QS that low. Anyway, very strange. I make under $100k/yr and my wife is stay at home raising our children. We don't travel much so I don't need the VentureOne but I read that it may be easier to get that to a QS than the QS1 and I have a Freedom Unlimited that's so far has survived bk so that's where all my cash back is from. Hope this gives people some solid info
Starting Score: EQ: 383 2/2011
Thanks! I am not sure as I was just recently diagnosed and just put on high doses of antibiotics. I will do more research and see if that is true to me by incorporating extra broccoli into my diet.
Her card is still a Platinum, just with Quicksilver rewards and benefits. A regular qs needs excellent credit.
As far as buckets go, a $500 sl will probably bucketed while a $3k qs1 won't be. Qs1 is just harder to PC so it's a good idea to change it when you can. It'll be much easier to PC from v1 to qs.
Ah, that's interesting. I wasn't aware that they would leave the card a platinum and just skin it with QS. Makes more sense now. Thanks.
@sphinx313 wrote:Ah, that's interesting. I wasn't aware that they would leave the card a platinum and just skin it with QS. Makes more sense now. Thanks.
Yup, and when they're doing maintenance on the servers, the skin will disappear and it will show as a Platinum in her account until maintenance is over.
