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Dumb Question Of The Day

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Contributor

Re: Dumb Question Of The Day


@FireMedic1 wrote:

With Cap1's starter cards. They like heavy usage and PIF each month. You'll still get your credit steps increase. But in some cases it could lead to higher CLI's at the end of the program, or when you ask for a SP CLI 6 months after your completion of the credit steps. Dont worry about the percentage used. You can use it all to pay bills. Just PIF before each statement date. After 3 months if it's a Plat. You can upgrade to the QS for cash back. No QS1. Good Luck!

 

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade 


The link took me to the sign-in page, so I called the CS number, and my Plat has been upgraded to the QS, no annual fee...WINNING!!!Smiley Very Happy

Starting score 6/19 TR 567 Ex 589 EQ 540
7/19 TR 620 EX 595 EQ 577
8/19 TR 643 EQ 614 EX 612
Goal: 680 by 12/19
Message 11 of 15
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Contributor

Re: Dumb Question Of The Day


@Rebuild2019 wrote:
I have paid my CAP1 card before the statement cuts and they are still checking me off for the monthly steps. I have been using it a lot, but only for things I normally buy/purchase. Paying it off a couple of times a month.

+1

Starting score 6/19 TR 567 Ex 589 EQ 540
7/19 TR 620 EX 595 EQ 577
8/19 TR 643 EQ 614 EX 612
Goal: 680 by 12/19
Message 12 of 15
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Established Member

Re: Dumb Question Of The Day

Awesome  thank you everyone ! Smiley Happy 

Message 13 of 15
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Super Contributor

Re: Dumb Question Of The Day


@goodcreditforus wrote:

@FireMedic1 wrote:

With Cap1's starter cards. They like heavy usage and PIF each month. You'll still get your credit steps increase. But in some cases it could lead to higher CLI's at the end of the program, or when you ask for a SP CLI 6 months after your completion of the credit steps. Dont worry about the percentage used. You can use it all to pay bills. Just PIF before each statement date. After 3 months if it's a Plat. You can upgrade to the QS for cash back. No QS1. Good Luck!

 

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade 


The link took me to the sign-in page, so I called the CS number, and my Plat has been upgraded to the QS, no annual fee...WINNING!!!Smiley Very Happy


Yes its a sign in page to upgrade and you make a choice which card is able to get upgraded to after you login. Either way congrats!





My posts are JMHO. My siggy is not to brag at all. Just sharing my experiences after learning here from rebuild to recovery after BK DC @ 540's. And to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 14 of 15
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Established Contributor

Re: Dumb Question Of The Day

Just use it and pay/pay in full before the due date especially before the 5th month is up and your golden.

I believe they just don't want you to be delinquent or charge the full cl and don't pay any of it. 

200k+ CL and climbing.
Plastiq Get 500 FFDs. 1225384 Acorns July 2019 53FTE4
Message 15 of 15
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