@Anonymous wrote:
Now I'm curious: how old is that C1 $900 card, did it get any cli? 😈 I really should've started, even if secured, with Disco.
First, I wish I knew how awesome Discover was when I started my rebuild. It was not until later that I found out and was like "why am I so late to the party?!" I'm just glad I decided to get in with them at all as they're probably tied with AMEX & NFCU for my favorite bank/issuer! You live and learn, right?!
That Cap 1 was my very first card in my rebuild and started it's life on 8/24/2020 as an unsecured Platinum Card with their standard $300 limit. After not yet being handed a CLI, I requested one on Pi Day 2021 and received a sole Benjy bringing my new limit to $400! I received my first and only auto-CLI in November 2021, but it was a bit more promising as this one more than doubled the limit bringing it to $900!
Now, the day I got upset and was already up to two canceled cards, they offered to "upgrade" it to the Quicksilver (for Good Credit) that I just canceled (with the $300 limit causing me to lose it like a chimp throwing a screaming fit). This "upgrade" did nothing for my credit line or APR, but I got Unlimited 1.5% Cash Back, which was at least something the Platinum didn't have.
As this was my very first card since rebuilding, I am hanging onto it as I need something to age my accounts even a little bit! It was about loyalty, but when your oldest card has your second lowest credit line, well, forget loyalty as it's a two way street! This is why Cap 1 raises my blood pressure, it seems the more you should be rewarded for using your credit wisely, the less favorable you are to them as you're not making them fees and interest like it's nobody's business!
Open Accounts: AMEX Platinum Card:
NPSL • AMEX Gold Card:
NPSL • PayPal Cashback World Mastercard:
$24K • NFCU More Rewards AMEX:
$23K • NFCU Platinum Visa:
$23K • NFCU Visa Signature Flagship Rewards Card:
$20K • Fidelity Rewards Visa Signature Card:
$15K • Bread 2% Cashback AMEX:
$11,650 • U.S. Bank Altitude Go Visa Signature Card:
$10K • Verizon Visa Signature Card:
$10K • Amazon Prime Store Card (Synchrony Bank):
$10K • Discover it Miles:
$9.5K • AAA Visa Signature (Daily Advantage) Card:
$6.7K • Discover it Cash Back:
$6.5K • Target Circle Mastercard (AU):
$6K • PayPal Credit (Synchrony Bank):
$5,650 • Dell Pay Credit:
$5.5K • Truist Bank Future Visa Card:
$5K • My GM Rewards Mastercard:
$4.5K • GS Apple Card:
$3,250 • Capital One Savor Mastercard:
$3.1K • AMEX Blue Cash Preferred (BCP):
$3K • Kohl’s Card:
$3K • Merrick Bank Double Your Line MasterCard:
$2.5K • AMEX Blue Cash Everyday (BCE):
$1.3K • AMEX Delta SkyMiles Blue Card:
1.1KOpen Loans: BestEgg Personal Loan (Signature):
$22,000 @ 16.15% • Capital One Auto Loan:
$9,358 @ 9.78%Closed Accounts: Target RedCard
(Please sir, may I have some more? NO!) • AMEX Delta SkyMiles Cards (Platinum, Gold, & Blue)
Various PCs • Walmart Rewards Mastercard
(EOL, PC to Capital One Savor Mastercard) • Mercury Mastercard
(APR hit 34.24%! Ouch!) • Tomo Visa Signature Card
(Low SL/CL, High APR!) • Ollo Platinum MasterCard
(Subprime, Low SL/CL, High APR!) • Upgrade Card
(Low SL/CL, High APR!) • Aspire MasterCard
(Subprime, “Account closed due to inactivity!”) • Various Capital One Cards (Platinum, QuicksilverOne, Quicksilver, & SavorOne)
(Buckets!!!)
“I can’t…” are likely the two most overused words in our vocabulary!
100% On Time / 0% Lates!
Last Updated on 1/13/2025.
