Cap One Luv Button...

Anonymous · ‎02-04-2016

Hey Guys, I'm pretty new to this. I've been rebuilding my credit for a few months, and i now have 2 QS cards and 1 platinum card with cap one.

How often should i hit the LUV button? ive been trying after each statement has posted and i'm not having any luck.

Any help would be awesome.

Anonymous · ‎02-04-2016

Usually after 6 months is what I found to be the lucky number.

Anonymous · ‎02-04-2016

@Anonymous wrote:
Hey Guys, I'm pretty new to this. I've been rebuilding my credit for a few months, and i now have 2 QS cards and 1 platinum card with cap one.
How often should i hit the LUV button? ive been trying after each statement has posted and i'm not having any luck.
Any help would be awesome.

Six months...

Anonymous · ‎02-04-2016

Six months appears to be the consesus and what the denial letter will say.

There is no harm in hitting the button or checking every month or so...

Remember it is a marathon, you will get there with time

red259 · ‎02-04-2016

@Anonymous wrote:
@Anonymous wrote:
Hey Guys, I'm pretty new to this. I've been rebuilding my credit for a few months, and i now have 2 QS cards and 1 platinum card with cap one.
How often should i hit the LUV button? ive been trying after each statement has posted and i'm not having any luck.
Any help would be awesome.
Six months...

+1 No real point in hitting it earlier. I don't think it hurts you in doing so but I don't think your account will be eligible within the first six months so you will be wasting your time doing it until you have enough time on the card.

;
Starting Score: EQ: 714, TU 684
Current Score: EQ: 725 7/30/13, TU 684 6/2013, Exp 828 5/2018, Last App 8/5/17
Goal Score: 800 (Achieved!) In garden until Sepetember 2019

Anonymous · ‎02-04-2016

@red259 wrote:
@Anonymous wrote:
@Anonymous wrote:
Hey Guys, I'm pretty new to this. I've been rebuilding my credit for a few months, and i now have 2 QS cards and 1 platinum card with cap one.
How often should i hit the LUV button? ive been trying after each statement has posted and i'm not having any luck.
Any help would be awesome.
Six months...
+1 No real point in hitting it earlier. I don't think it hurts you in doing so but I don't think your account will be eligible within the first six months so you will be wasting your time doing it until you have enough time on the card.

Not always true. I had a cli after 3 months of having the card. Since it doesnt harm you I would try if you want to.

Anonymous · ‎02-04-2016

I had two CLIs before the magic 6 month mark. One at 2 months and another at 4. The trajectory of my scores aligned. I also tried at 3 & 5 months and told I needed to wait

Each profile and case will vary. I personally found no harm in hitting the button, actually very happy I did. There are quite a few others that also saw some luv but plenty that didnt as well - no harm, no foul - your choice

Good Luck!