Hi, all. Just a report on my recent upgrade from CO Platinum to Quicksilver...
Approved for the Platinum on 10/30/17 with a SL of $1000, credit steps. My FICOs were in the 700-720 range with around 3 inquiries per report. No derogitories, aaoa 3 years, but that was inflated by a 16 year old closed account still on file. CO triple-pulled. I burned them (paid charge-off) in 1996, no relationship since then.
I ran between $600-800/month through the card.
Months 1 and 2 I paid the balance down to 2-4% prior to statement post, PIF.
Months 3 and 4 and allowed the full balances to post (50-60% Util.) then PIF.
Requested the upgrade every month after statement post, no go until today.
Today I made the request via online chat and was approved.
My current scores are in my sig below. Big drops due to new accounts, too many inquiries and 50% utilization. I was a little surprised that they approved the upgrade. It's been a roller coaster ride for me since I started my rebuild last fall. I think my FICO's have bottomed out, and I'm really looking forward to watching them grow over the next year. I'm gardening until 12/18. Thanks to all on this forum for the support!
Thanks. The chat button just showed up for me this month, it was missing before. It was on the lower right side of my browser at my account home screen. Good luck!
@whosnext00wrote:Congrats on your upgrade!
I just got the same upgrade today after opening the Platinum in October lol, that's too funny that we had the exact same scenario happen at the same time (only difference is my scores are below 630 but I'll get there).
Congrats! Feels almost like a "big boy" card now, doesn't it?
@Billharrellwrote:
@whosnext00wrote:Congrats on your upgrade!
I just got the same upgrade today after
the Platinum in October lol, that's too funny that we had the exact same scenario happen at the same time (only difference is my scores are below 630 but I'll get there).
Congrats! Feels almost like a "big boy" card now, doesn't it?
hahaha, yes it does. We're growing up.
Congrats on the upgrade!! Much more useful getting something back for your spend
State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
