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HOLY MOLY, I AM OVER THE MOON RIGHT NOW!!!!!!!!

kberly69
Frequent Contributor

HOLY MOLY, I AM OVER THE MOON RIGHT NOW!!!!!!!!

I just applied for a Capital One Quicksilver. I have a Platinum that was upgraded to a QS already which was just raised to $3800 from my Credit Steps CLI. I thought I'd see what the prequal said and they approved me for a QS at 7% less than what I have, 9 months interest free, and $100 bonus if I spend $500 in 3 months. I debated a little about it, but decided I could combine the two later and keep building on it. Keep in mind I was discharged from Chapter 7 BK on 10/6/16. I filled it in, pushed the button and after a dramatic pause due to a slow internet connection today...... was APPROVED FOR $10,000!!!!! I cannot even believe it. I stared at the screen for the longest time expecting it to say, "OOPS, sorry, we goofed" but IT'S REAL!!!!!!

I am soooo having a beer on the deck and reveling in my upward credit journey! Smiley Happy


CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694

9/24/20: 4 years from discharge FICO 8: EQ 751 EX 765 TU 766 FICO 9 EQ 814 EX 804 TU 821
Message 1 of 12
11 REPLIES 11
Aduke1122
Senior Contributor

Re: HOLY MOLY, I AM OVER THE MOON RIGHT NOW!!!!!!!!

Wow congrats on the awesome approval Op that's amazing , could you share some data points with us plz , I'm on mobile and can't see your sig. Also what did your card with Credit Steps start out at ? I'm due for my Steps increase Monday ! Don't think it will be much though
Message 2 of 12
Azza
Regular Contributor

Re: HOLY MOLY, I AM OVER THE MOON RIGHT NOW!!!!!!!!

Excellent, congrats on the approval of your Quicksilver. How are you planning to use that card?

Currently Reporting:



Current Score:

Gardening Started with:


Message 3 of 12
Bella007
Senior Contributor

Re: HOLY MOLY, I AM OVER THE MOON RIGHT NOW!!!!!!!!

Congrats, kberly69! It is so exciting to see that 5 figure number pop up on an approval! Smiley Happy

 

(BTW, I had deja vu reading your post...also have a Platinum to QS upgrade that sits at $3800 right now, and I got the same $10000 SL on the QS WEMC as well back in December.)  Smiley Very Happy

Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
Message 4 of 12
kberly69
Frequent Contributor

Re: HOLY MOLY, I AM OVER THE MOON RIGHT NOW!!!!!!!!


@Aduke1122 wrote:
Wow congrats on the awesome approval Op that's amazing , could you share some data points with us plz , I'm on mobile and can't see your sig. Also what did your card with Credit Steps start out at ? I'm due for my Steps increase Monday ! Don't think it will be much though

In March my scores were:   EQ 702 TU 676 EX 673   I cancelled myFICO subscription so I don't know where I am today, but CK and CS were up a few points this month so I'm guessing I had some gains in my FICO scores too. My card started at $3000, I requested a CLI around 3 or 4 months and got $300 and my Credit Steps increase was the $500 they promised ($3800 total). I was a little bummed it wasn't more because Ive read it can be better than what they quote. Today more than makes up for it though!


CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694

9/24/20: 4 years from discharge FICO 8: EQ 751 EX 765 TU 766 FICO 9 EQ 814 EX 804 TU 821
Message 5 of 12
kberly69
Frequent Contributor

Re: HOLY MOLY, I AM OVER THE MOON RIGHT NOW!!!!!!!!


@Azza wrote:

Excellent, congrats on the approval of your Quicksilver. How are you planning to use that card?


Wisely! Smiley Wink  I am going to roll the other one into it and use it for my bills, groceries, etc. With this limit, I don't have to worry about utilization anymore which is a relief! It gets so tiring babysitting these cards, checking dates, and making multiple payments.


@Azza wrote:

Excellent, congrats on the approval of your Quicksilver. How are you planning to use that card?


 


CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694

9/24/20: 4 years from discharge FICO 8: EQ 751 EX 765 TU 766 FICO 9 EQ 814 EX 804 TU 821
Message 6 of 12
kberly69
Frequent Contributor

Re: HOLY MOLY, I AM OVER THE MOON RIGHT NOW!!!!!!!!


@Bella007 wrote:

Congrats, kberly69! It is so exciting to see that 5 figure number pop up on an approval! Smiley Happy

 

(BTW, I had deja vu reading your post...also have a Platinum to QS upgrade that sits at $3800 right now, and I got the same $10000 SL on the QS WEMC as well back in December.)  Smiley Very Happy


No kidding! I was covering my eyes while it was processing and was hoping to see $5K at the very best. Cheers to you!!


CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694

9/24/20: 4 years from discharge FICO 8: EQ 751 EX 765 TU 766 FICO 9 EQ 814 EX 804 TU 821
Message 7 of 12
kberly69
Frequent Contributor

Re: HOLY MOLY, I AM OVER THE MOON RIGHT NOW!!!!!!!!

So, I have checked three times since the approval, and it's still real!!


CH7 BK Discharged 10/16
Oct/Nov 2016: EQ 632 TU 532 EX 573
Feb 2017: EQ 695 TU 673 EX 670
March 2017 EQ 702 TU 676 EX 673
April 2017 EX 683 (TU & EQ unknown)
May 2017 EQ 695 TU 685 EX 693
Feb 2018 EQ 704 TU 687 EX 694

9/24/20: 4 years from discharge FICO 8: EQ 751 EX 765 TU 766 FICO 9 EQ 814 EX 804 TU 821
Message 8 of 12
luxeprw9
Frequent Contributor

Re: HOLY MOLY, I AM OVER THE MOON RIGHT NOW!!!!!!!!


@kberly69 wrote:

@Azza wrote:

Excellent, congrats on the approval of your Quicksilver. How are you planning to use that card?


Wisely! Smiley Wink  I am going to roll the other one into it and use it for my bills, groceries, etc. With this limit, I don't have to worry about utilization anymore which is a relief! It gets so tiring babysitting these cards, checking dates, and making multiple payments.


@Azza wrote:

Excellent, congrats on the approval of your Quicksilver. How are you planning to use that card?


 


Totally agree!  It's a pain!

 

Congrats on your approval!  That SL is fantastic!

FICO Score 8 as of 07/23/18
EQ - 770
EX - 757
TU - 741
Goal: 800
Message 9 of 12
GiJane007
Established Contributor

Re: HOLY MOLY, I AM OVER THE MOON RIGHT NOW!!!!!!!!

That's one awesome SL kberly69 congratulations on your QS approval!
Message 10 of 12
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