I woke up to a suprise email from Capitol One today. Apparently, I'm elgible to uprgrade my journey card to a quicksliver w/ no annual fee, no credit check or application. I was carrying a 2K balance with them for 3 months, but just PIF last week. I asked for an increase on Monday and they upped my limit to $4,450 - I really wasn't expecting this after being denied a CLI for 6 months but I'm happy. Should I go for the upgrade?
Side note - I was approved for a Discover IT card with a 4K limit and a NFCU w/ a 1K limit. Although, I went through hell trying to get access to my new Discover account. I had to provide a SSA-89, Enhanced Verification Notarized form, Bank Statments, and 4506-T form. I have a student cash back card with them, but doing all of that was crazy. Is that normal?