So I tried getting a CLI once again on my Cap 1 Playstation Visa, and was denied. I've had the card for three years, and its still stuck at $1,500.
I then decided to test the (already well tested) theory of "Once you're in a bucket, Cap 1 doesn't like putting you into another bucket once your scores increase." I check the prequal site, and for the first time ever I saw both the Venture and Venture One show up!
After some soul searching, deciding whether I wanted 12 months 0% intrests and no annual fee with a 20,000 mile bonus after $1,000, or 18%, $59 annual fee at 40,000 mile bonus after $3,000, I opted to go for the straight Venture. Annual fee is waived for the first year, and I can always either PC to a VentureOne, or just combine the credit limit into my Quicksilver before the next annual fee hits.
Result? Instant approval for $15,000 CL.
$3000 in three months is easy to hit, so that 40,000 miles will go towards my honeymoon costs!
I gotta freeze my reports now so I'm not tempted to keep applying elsewhere! Three cards with ~$15K limit is way more than I need, not to mention all the little ones!
Total Cards: 24 | Total Limit: $304,250
Current FICO 8 Scores: EQ: 841| TU: 815 | EX: 814
Hard Inquiries: 1
