@sphinx313 wrote: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
Congrats on your PC and CLI. Well known DP. In 6 months you can check if QS is available on your new VO. At least your out of AF purgatory.
Congratulations on DW and your success!
