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Highest limit Approval! UPGRADE Card!

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CreditMagic7
Mega Contributor

Re: Highest limit Approval! UPGRADE Card!

Congratulations on your new Upgrade approval!!

Message 11 of 21
HeavyResist
Frequent Contributor

Re: Highest limit Approval! UPGRADE Card!

Congrats you are winning on your rebuild @OniStringer 







 
Message 12 of 21
babygirl1256
Senior Contributor

Re: Highest limit Approval! UPGRADE Card!

Congrats on your UPGRADE Card approval . . . keep rebuilding as I did it! Best wishes.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 13 of 21
citymunky
Established Contributor

Re: Highest limit Approval! UPGRADE Card!


@Avinion wrote:

Congratulations on your approval!

 

Upgrade was the first one to offer a comparatively higher limit for me as well! My Triple Cash Rewards will always hold a special place in my wallet because of that. It definitely opened up a lot of opportunities for more premium credit offerings.

 

As was said above, be careful with how it reports and generates interest. The interest charges start immediately, which is kind of a bummer. Great/unique card though. Congrats again!


I have the Triple Cash Rewards as well, but I haven't used it yet because how the interest is charged, but once you make a change how does it report?

Rebuilding since 2021


Closed CCs
USAA (Jul 2019| Settled CO), Jasper $1K CL (Jul21-Jul22), Sable $250CL{Secured} (Jan22-Jun23), CreditOne Platinum $750CL (Jul21-Aug23), Prosper $1.9K CL (Jan22-Apr24), Self $625 CL {$350 Secured } (Aug21-Jul24)

Starting FICO 8 Scores:
Current FICO 8 Scores:


Message 14 of 21
Avinion
Established Member

Re: Highest limit Approval! UPGRADE Card!


@citymunky wrote:

@Avinion wrote:

Congratulations on your approval!

 

Upgrade was the first one to offer a comparatively higher limit for me as well! My Triple Cash Rewards will always hold a special place in my wallet because of that. It definitely opened up a lot of opportunities for more premium credit offerings.

 

As was said above, be careful with how it reports and generates interest. The interest charges start immediately, which is kind of a bummer. Great/unique card though. Congrats again!


I have the Triple Cash Rewards as well, but I haven't used it yet because how the interest is charged, but once you make a change how does it report?


It's a weird one.

 

Credit Karma shows it reporting as an installment loan, but Experian has it showing as a credit card/line of credit for all three reports.

Message 15 of 21
Who_wuda_thought
Frequent Contributor

Re: Highest limit Approval! UPGRADE Card!


@Avinion wrote:

@citymunky wrote:

@Avinion wrote:

Congratulations on your approval!

 

Upgrade was the first one to offer a comparatively higher limit for me as well! My Triple Cash Rewards will always hold a special place in my wallet because of that. It definitely opened up a lot of opportunities for more premium credit offerings.

 

As was said above, be careful with how it reports and generates interest. The interest charges start immediately, which is kind of a bummer. Great/unique card though. Congrats again!


I have the Triple Cash Rewards as well, but I haven't used it yet because how the interest is charged, but once you make a change how does it report?


It's a weird one.

 

Credit Karma shows it reporting as an installment loan, but Experian has it showing as a credit card/line of credit for all three reports.


Would that perhaps indicate that it is reporting as an installment loan in Vantage scoring, but reporting as revolving credit in FICO scoring?

 

ETA -

What seems off on that scheme is that I was under the impression accounts were reported/entered to each of the bureaus one way only, at the start, by the credit issuer.  Then the scoring is a separate thing.  I wonder how the Triple Cash Rewards shows on the actual credit reports pulled from the 3 bureaus (from annualcreditreport dot com). ???

Scores as of October 6, 2024:





Message 16 of 21
MartyWrite75
Valued Contributor

Re: Highest limit Approval! UPGRADE Card!

Congratulations on your approval!

June 2025: Experian 772; Equifax 788; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $7,500 (Sock drawer) || Discover It: $17,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $10,000 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $9,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $20,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500 || Citi Double Cash: $6,900

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 6/2026(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

Message 17 of 21
NotTellinYou
New Contributor

Re: Highest limit Approval! UPGRADE Card!

Congratulations. Just be aware they are terrible when it comes to applying payments to your account. As it's a sort of hybrid CC and Line of Credit, and their own dysfunction, it can take 7-10 days for a payment to be reflected so if you are the type to pay things off before the statement date, it can be a concern. They also start charging immediately unlike a normal CC. I'm not convinced it's a postive or negative influence but after my first and only interaction with them I don't think I'll use it again.

Starting Score TU: 520
Current Score TU: 820. EX: 806. EQ: 819

Chase Freedom $20k, WellsFargo $15k, Barclay $5k, BCU $15k, Discover $5k, USAA $7k, Lowes $8k, Home Depot $10k, Citi $30k, Apple $20k, AA Citi, $35k, NFCU, $25k, Arvest $35K
Message 18 of 21
Anonymous
Not applicable

Re: Highest limit Approval! UPGRADE Card!

Congrats for your approval! Awesome to hear!

Message 19 of 21
MCM1
Regular Contributor

Re: Highest limit Approval! UPGRADE Card!

Did they ask for docs and POI?

Message 20 of 21
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