@driftless wrote:
Congratulations! I am a fan of Cap One as well, and like UncleB, there will always be a Cap One card in my wallet.
Thanks driftless! 
It would take something truly major to make me get rid of them... they've been solid for me for years! 
Very happy for you Uncle B! I always enjoy reading your posts as they are always heartfelt and have a little experience for some of us newbs to learn from. Keep up the great work
@RM21 wrote:
There you go again UncB!!! Nice!! Just topping it all off...right?!?!
Thanks RM21!
It's 'fitting' that I end this latest "run" with the same company that made it all possible to begin with.
(I must admit that it's nice to be done for a while, though... LOL!)
@Anonymous wrote:Congratulations, my friend!
Thanks so much my friend!
This will just make my time in the garden that much more relaxing!
@AverageJoesCredit wrote:
Very happy for you Uncle B! I always enjoy reading your posts as they are always heartfelt and have a little experience for some of us newbs to learn from. Keep up the great work
Thanks so much AverageJoe!
I'm glad my info is useful to someone (that's always my hope!) and I'll just mention that as quickly as things tend to change we're really all newbs just hanging out together trying to help each other figure it out. I owe so much thanks to so many on here... I simply try to contribute back small nuggets when I can.
Thank you again for your encouraging words!
@UncleB wrote:Hello friends!
This is likely to be my last CLI thread for a while... most of my cards are where I want them already and/or taking a HP simply isn't worth it (USAA).
I was actually a few days shy of six months, but I figured I would see if it would matter to Capital One and it apparently didn't. They offered me another $1k on my Quicksilver Visa Signature and I accepted.
The card started out last March (3/2015) at $5000; it got a $2k CLI two months later to make it $7k. In December it got another $1k bump bringing it to $8k and the latest $1k bump today makes it $9k. Knowing what I know now I would have applied for a Venture last March instead of QS, but 'it is what it is' and for my spending level it's actually OK.
My last 'major' purchase on this card was back in February for $1800; since then I've only had one statement for over $100, with a few even $0. One thing I've learned (or at least I think I have) is that Capital One doesn't "count" balance transfers the same way they do regular charges when it comes to usage; several months back I had a BT on my QS MasterCard (quickly PIF) that was $3k yet they denied the CLI on that one due to "lack of usage". I have a recurring charge set up for the QS MasterCard, and it's now kept in the SD only for AAoA purposes (it's nine years old).
I also know that there's a chance I could have waited for a larger amount, but in my case with minimal usage I suspect I did better by taking what they offered now and restarting the "clock" for the next CLI in six months.
Unrelated to the CLI, I'll add that the QS Visa has now added two more BT options... one for 18 months (same 3% fee as 12 month option) and a no-fee option but at the purchase APR. This is the first I've seen these last two options on this account... maybe they noticed my scores have improved the last few months?
In any case, I'm still extremely pleased with Capital One... unless something drastic happens I'll always have one in my wallet. (LOL)
Looking good there Unc
Congrats
@myjourney wrote:
@UncleB wrote:Hello friends!
This is likely to be my last CLI thread for a while... most of my cards are where I want them already and/or taking a HP simply isn't worth it (USAA).
I was actually a few days shy of six months, but I figured I would see if it would matter to Capital One and it apparently didn't. They offered me another $1k on my Quicksilver Visa Signature and I accepted.
The card started out last March (3/2015) at $5000; it got a $2k CLI two months later to make it $7k. In December it got another $1k bump bringing it to $8k and the latest $1k bump today makes it $9k. Knowing what I know now I would have applied for a Venture last March instead of QS, but 'it is what it is' and for my spending level it's actually OK.
My last 'major' purchase on this card was back in February for $1800; since then I've only had one statement for over $100, with a few even $0. One thing I've learned (or at least I think I have) is that Capital One doesn't "count" balance transfers the same way they do regular charges when it comes to usage; several months back I had a BT on my QS MasterCard (quickly PIF) that was $3k yet they denied the CLI on that one due to "lack of usage". I have a recurring charge set up for the QS MasterCard, and it's now kept in the SD only for AAoA purposes (it's nine years old).
I also know that there's a chance I could have waited for a larger amount, but in my case with minimal usage I suspect I did better by taking what they offered now and restarting the "clock" for the next CLI in six months.
Unrelated to the CLI, I'll add that the QS Visa has now added two more BT options... one for 18 months (same 3% fee as 12 month option) and a no-fee option but at the purchase APR. This is the first I've seen these last two options on this account... maybe they noticed my scores have improved the last few months?
In any case, I'm still extremely pleased with Capital One... unless something drastic happens I'll always have one in my wallet. (LOL)
Looking good there Unc
Congrats
Thanks so much!
I'm still enjoying my time over in the garden... this time when I hit three months I might even add the spade... still thinking about that (LOL)