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Got approved for my third card QuickSilverOne

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b_diddy
Established Contributor

Re: Got approved for my third card QuickSilverOne

This is great. Congrats!

FICO Scores: EX 733 (1/17/15) EQ 761 (1/17/15) TU 750 (1/17/15)
     
      
Message 11 of 18
BearsAndTurtlesRtheBest
Senior Contributor

Re: Got approved for my third card QuickSilverOne

Congrats on the approval!!!/

 

Discover IT $2,600- First Premier MasterCard $1,000- Dillards Store Card $300- Fingerhut Advantage $200
Chapter 7 BK Dischagred on 07/11/16. Gardening Since 01/17/2019
Message 12 of 18
Anonymous
Not applicable

Re: Got approved for my third card QuickSilverOne

I just received a call from QA at CapitalOne asking me about my experience, when the lady asked what could have made it better, I really asked for a higher CL. I told her it was my only card with an AF and a 300 limit, I would feel comfterable with a 500 CL if it were possible. She connected me with an underwriter and the person told me to contact once I receive my card to recon the CL. So for now, customer service has been A+

Message 13 of 18
Kenny
Moderator Emeritus

Re: Got approved for my third card QuickSilverOne

Make sure that as soon as you can get rid of the annual fees on the capital one card(s.)

Congrats, but I do have to say that you might have just waited until month 6 with Capital one and it would have automatically increased. Also, that would make your internal score better with Capital One which would lead to a large 2nd card credit limit on start.

Regardless to what I've said thus far.. make responsible use of your cards, always pay them, and garden time now for you. Smiley Happy
Message 14 of 18
Anonymous
Not applicable

Re: Got approved for my third card QuickSilverOne

Thanks for the reply, I guess I should have, but I just couldn't help myself lol. Yes, its gardening time for now and with these 3 card I plan to get my util down big time by spreading my monthly expenses on them Smiley Happy

Message 15 of 18
Anonymous
Not applicable

Re: Got approved for my third card QuickSilverOne

Congrats!...Thanks for sharing but you should've went for a Credit Card with NO annual fee Smiley Wink

Message 16 of 18
chalupaman
Super Contributor

Re: Got approved for my third card QuickSilverOne

Not bad but you could have just asked to convert your current CapOne Journey card to the Quicksilver with no AF on their chat (basically you just ask if you have any offers on file) and keep your current APR. That's what I did after a few months and never had to apply for another CapOne card to face their triple pulls. Mine also ended up keeping the Visa logo as well.

 

Also, I think you'll be able to do a lot with your credit profile if you stay patient and persistent. I'm your age and was able to get a ton of my cards in my sig in under a year through trial and error. Started out with a college card from Citi and went from there.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 17 of 18
Anonymous
Not applicable

Re: Got approved for my third card QuickSilverOne

Congrats

Message 18 of 18
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