Cap1 Platinum upgrade to QS, or new app for QS?

[KLEXH25]

Credit unions are also a good way to go, but again, you'll have to check about BK. 

[Anonymous]

@KLEXH25 

I am going to add more info to my profile for reference. Burned Synchrony too, mostly store cards. Denied for PP MC within one year after DC. May try again for a Synchrony card at some point. House at this point is at least a year out, so I'm thinking I might just go for a pop up or app for a prequal after all. 

[KLEXH25]

@Anonymous sounds like a good plan!

[Creditin]

I have the Cap1 platinum and applied and got the QS.

The QS gave me $150 credit for expending $500 in 3 months.

Then I transfered a balance 0 APR for a year. And paid in 9 months.

I was doing the Avalanche at the time, and I had a few minimum payments.

Last payment was $390. So I thought I was all right with 'em.

I wasn't. They want you to spend all your budget with 'em.

Pay more than the minimum, with interests, of course.

To me, Cap1 is just a stepping stone for bigger and better things.

For some lucky ones, they had the fortune of 15-20K CLs.

I have 2.3k CL total in 3 Cap1s. Which I'm planning to close soon.

And not a chance of CLIs. They don't even tell me why.

"We will notify you by eMail." That was 2 months ago.

They are a disgrace in my CR. My next lines are 5k. Up to 10k.

I don't need 'em, and they certainly need me less.

Cheers.

[Anonymous]

Sooooo. I did it...apped for 2nd QS. Approved, 0% APR until September 2022, and a bonus of $200 if I spend $500 in first 90 days. My only whine is that the SL is 1k....please tell me this is not bucketed. My other cards with Cap1 are $750, denied CLI a couple weeks ago due to low usage and my other one-SL $5k, 0% APR for now , high utilization but will be paying that down in the next few months. Should I wait the typical 6 months before requesting a CLI for the new QS? The newly converted QS $750 limit I have been using a couple times a month and paying before the statement cuts so I will try again for CLI in 6 for this card.

[FinStar]

As the OP has provided an update on their respective topics, this thread is now locked and closed to new messages.