@WhiteCleats wrote:Austinguy,
It seems, because of bucketing, rather than apply for a product change with Chase I'd be much better off waiting 2 years, applying for a new Chase card and then rolling over the Slate's credit limit into the new card. Yes? And then sock drawer the Slate? Because at that point it will be among my oldest cards and since it has no fees it would be best to keep it open. Do I have all this right?
You're picking up on what I'm putting down for sure!
Slate (A) c.2017 will probably grow a little bit and if it doesn't that's alright too. You can safely tell them to move all but $500 over to the new card and leave the $500 in the SD and stick some small monthly bill on it every once in awhile to keep it fed and watered.
New card (B) will probably in my example be worth 5X or more than the (A) card is now so, who knows... maybe just leave (A) alone in the sock draw with your cashmere socks for a rainy day. Or toss it in the console/glove box for when you forget your wallet some day and you'll have something to use for lunch 
It all comes down to strategy with these companies and how to play the game. It's not like Science that's based on facts because bankers and lawyers are always changing the parameters of the game. That's where the "we reserve the right to change x, y, z in your member agreement" comes from 
Wow!
QS1 not only upgraded to QS, but also a $4000 CLI?!
I've had my QS1 card since December 2014 with a SL of $500.
They continuously refuse to upgrade me to QS and my one credit limit increase has me at $850.
It's so weird how credit companies luck and choose whom they are willing to help and those they are not.
Just on the Cap1 stuff alone, congrats!
I'm jelly
QS1 not only upgraded to QS, but also a $4000 CLI?!
I've had my QS1 card since December 2014 with a SL of $500.
They continuously refuse to upgrade me to QS and my one credit limit increase has me at $850.
It's so weird how credit companies luck and choose whom they are willing to help and those they are not.
Just on the Cap1 stuff alone, congrats!
I'm jelly
@austinguy907 wrote:Par / Net 0 = no change in count
I don't need 30-50-100 cards to deal with in my portfolio aka Quicken.
I wasn't thinking of that many cards, more like 15 ish. Though I have a friend with that many. She churns her cards for the rewards and it's mind boggling how much she makes at the end of each year. I certainly woudn't mind getting into that on some level.
I killed 3 lines for 12,100 and added 3 lines for 45.9K so it more than makes up for the "loss" of dead weight.
Killed. What exactly do you mean by that? You canibalized those cards' credit lines and gave them to the new cards you'd just applied for? So then I don't see the "loss". I think I'm lost again.
When you manage your accounts with software and spreadsheets you know you have enough of them.
I'm already there. I only have 4 cards but there's almost nothing I can't make a spreadsheet for, complete with advanced formula. You have no idea what kind of nerd your dealing with.
In fact, I've already created screencaps of your posts to me and included those in my spreadsheet. LOL
I still keep my pet Slate around for nostalgia (oldest red headed stepchild) and tender moments by the fire place.
Hilarious!
Everyone has that white whale of a card they covet so badly they burn multiple inquiries on over the years until they get invited in the club front doors.
Do they? See, I need to know more about what's what before I can even fathom a sportsfish. Particularly because the only cards I can think of that fit that description are ones with ridiculous annual fees. 500 and year and up? Pass.
The best thing to do is pick your whales and then read up on here about how to get them, compile some info on them like the specs to get approved, track how they do CLI's and then go out in the woods and find tree to sit in while you wait for it to start walking towards you. Set your sties on it, double check your info, take it off saftey, calm your breathing, and squeeze the trigger. Then snapshot it and post it on here
Again, absolutely hilarious. But, see above.
(Seemed easier to reply inside your post)
Do you think I blew it PC'ing my Cap One QS1 into a QS? Per the advice of Sensei Austinguy, I probably should have just waited until I wasn't getting any more CLI's and then applied for a new QS. Thoughts?
@Total80sKid wrote:
Wow!
QS1 not only upgraded to QS, but also a $4000 CLI?!
No, no. I got that QS1 in August 2016. They gave me a SCL of 500 bucks and auto-raised it to 4,500 about 7 months later. It was part of the agreement when I signed up for the card that if I paid it on time for 7 months they would raise my limit. I assume all these QS1's offer that deal.
So yesterday when I requested a product change that's all they did. There was no limit increase.
I've had my QS1 card since December 2014 with a SL of $500.
They continuously refuse to upgrade me to QS and my one credit limit increase has me at $850.
That is so weird to me. I'm reading stories like this all the time on this forum and the more I read the less I understand the madness behind who gets what.
It's so weird how credit companies luck and choose whom they are willing to help and those they are not.
Word.
Just on the Cap1 stuff alone, congrats!
I'm jelly
LOL Don't be. Seems like I just got lucky.
Per everything Austinguy just said to me, I'm thinking you may have been smushed into a bad bucket. Have you tried doing what he suggested and just apply a-fresh?
@WhiteCleats wrote:
@austinguy907 wrote:Par / Net 0 = no change in count
I don't need 30-50-100 cards to deal with in my portfolio aka Quicken.
I wasn't thinking of that many cards, more like 15 ish. Though I have a friend with that many. She churns her cards for the rewards and it's mind boggling how much she makes at the end of each year. I certainly woudn't mind getting into that on some level.
-- I'm sitting at 11 and that's enough to juggle and keep alive at this point. There's some simple ways like reloading an Amazon GC for a small amount or just rotating them through an electronic wallet for bills. netting all of those rewards though can be cumbersome if you add one too many cards to the mix and then can't hit the spend requirement for the bonus.
I killed 3 lines for 12,100 and added 3 lines for 45.9K so it more than makes up for the "loss" of dead weight.
Killed. What exactly do you mean by that? You canibalized those cards' credit lines and gave them to the new cards you'd just applied for? So then I don't see the "loss". I think I'm lost again.
-- I mean I closed them out and took on the new ones in their place. I closed Macy's (2 lines) and Crap1 because they were just taking up real estate and not adding to my value anymore.
When you manage your accounts with software and spreadsheets you know you have enough of them.
I'm already there. I only have 4 cards but there's almost nothing I can't make a spreadsheet for, complete with advanced formula. You have no idea what kind of nerd your dealing with.
In fact, I've already created screencaps of your posts to me and included those in my spreadsheet. LOL
-- Being a nerd helps when it comes to what should be simple but isn't. I'm in the tech field so, it comes naturally to be able to dig data points and evaluate things besides scratching the surface.
I still keep my pet Slate around for nostalgia (oldest red headed stepchild) and tender moments by the fire place.
Hilarious!
Everyone has that white whale of a card they covet so badly they burn multiple inquiries on over the years until they get invited in the club front doors.
Do they? See, I need to know more about what's what before I can even fathom a sportsfish. Particularly because the only cards I can think of that fit that description are ones with ridiculous annual fees. 500 and year and up? Pass.
-- some of them that come to mind are Iberia / Zions that are notorious for manual reviews, stringent criteria, and practically require an invite to the country club to play a round of golf. Others for some people may be the fabled "black card" from Amex or some silly gold plated card that has an issue cost of $2500 just to get the card because of the plating. Another one is stalking the 100K point offer from Amex on the Platinum that periodically gets leaked on reddit and reposted here for the link that only lasts a couple of hours usually.
The best thing to do is pick your whales and then read up on here about how to get them, compile some info on them like the specs to get approved, track how they do CLI's and then go out in the woods and find tree to sit in while you wait for it to start walking towards you. Set your sties on it, double check your info, take it off saftey, calm your breathing, and squeeze the trigger. Then snapshot it and post it on here
Again, absolutely hilarious. But, see above.
(Seemed easier to reply inside your post)
Do you think I blew it PC'ing my Cap One QS1 into a QS? Per the advice of Sensei Austinguy, I probably should have just waited until I wasn't getting any more CLI's and then applied for a new QS. Thoughts?
-- Crap1 in my book is someone elses treasure. PCing back and forth isn't an issue until it is. most just app for another crap1 to CLI themselves by combining the limits down the road if the original card isn't growing. Once you get that 20/30/40K approval out of them you're done for the most part on the challenge side of it.
The more you hang out here and ask questions you start coming up with ideas for what you want to do long term and set some solid goals. There's always something odd being posted around here that can distract you for a few minutes like SCT, Blisspay, Avianca, NFCU backdoor membership options, member only apps for US Bank elite cards, and so on. I tend to take info in like a sponge and file it away for later use. It comes in handy when someone asks a question about something that's an outlier that isn't discussed much. For instance Disco.... there were scatttered resources around the interwebs and nothing really comprehensive to go to. I took my personal experience and documented it into a 1st year guide of how they act with CLI's, Pulls, and extraneous info. After that got a few hits I dug deeper and collected more info and put it into this unofficial guide to Disco thread that's now got about 20K hits and 100 pages to it.. or at least it seems like 100 pages sometimes flipping through it.
You'll find your path and stake your claim aound here in due time!
@austinguy907 wrote:
I wasn't thinking of that many cards, more like 15 ish. Though I have a friend with that many. She churns her cards for the rewards and it's mind boggling how much she makes at the end of each year. I certainly woudn't mind getting into that on some level.
-- I'm sitting at 11 and that's enough to juggle and keep alive at this point. There's some simple ways like reloading an Amazon GC for a small amount or just rotating them through an electronic wallet for bills. netting all of those rewards though can be cumbersome if you add one too many cards to the mix and then can't hit the spend requirement for the bonus.
Yeah, good point. My friend does a whole lot of opening and closing once the bonus periods are over but since her file is deep enough the new accounts and inquiries don't seem to effect her. But as I said, that's not something I'm going to jump into overnight. I have no interest in getting in over my head. I'm a pragmatist with good willpower.
Killed. What exactly do you mean by that? You canibalized those cards' credit lines and gave them to the new cards you'd just applied for? So then I don't see the "loss". I think I'm lost again.
-- I mean I closed them out and took on the new ones in their place. I closed Macy's (2 lines) and Crap1 because they were just taking up real estate and not adding to my value anymore.
Got it.
Everyone has that white whale of a card they covet so badly they burn multiple inquiries on over the years until they get invited in the club front doors.
Do they? See, I need to know more about what's what before I can even fathom a sportsfish. Particularly because the only cards I can think of that fit that description are ones with ridiculous annual fees. 500 and year and up? Pass.
-- some of them that come to mind are Iberia / Zions that are notorious for manual reviews, stringent criteria, and practically require an invite to the country club to play a round of golf. Others for some people may be the fabled "black card" from Amex or some silly gold plated card that has an issue cost of $2500 just to get the card because of the plating. Another one is stalking the 100K point offer from Amex on the Platinum that periodically gets leaked on reddit and reposted here for the link that only lasts a couple of hours usually.
Iberia/Zions, huh? I'm going to have to google those.
Some of those cards, and their associated fees, just seem like ways to make one's **bleep** feel bigger. Extenze will rip you off for far less money. But, maybe it's because I have no experience with cards like those but I can't see how their benefits would outweight their costs.
Do you think I blew it PC'ing my Cap One QS1 into a QS? Per the advice of Sensei Austinguy, I probably should have just waited until I wasn't getting any more CLI's and then applied for a new QS. Thoughts?
-- Crap1 in my book is someone elses treasure. PCing back and forth isn't an issue until it is. most just app for another crap1 to CLI themselves by combining the limits down the road if the original card isn't growing. Once you get that 20/30/40K approval out of them you're done for the most part on the challenge side of it.
You really seem to adore Capital One. You told me they strung you along but other than that why the hate?
What do you mean "PC'ing back and forth isn't an issue until it is"??
So that's the ceiling, huh? 20-40K? Good to know!
For instance Disco.... there were scatttered resources around the interwebs and nothing really comprehensive to go to. I took my personal experience and documented it into a 1st year guide of how they act with CLI's, Pulls, and extraneous info. After that got a few hits I dug deeper and collected more info and put it into this unofficial guide to Disco thread that's now got about 20K hits and 100 pages to it.. or at least it seems like 100 pages sometimes flipping through it.
Is that Discover treatise of yours pinned somewhere? I must pour over it.
You'll find your path and stake your claim aound here in due time!
Heh. I just want to milk all you smartypants' for all you're worth and end up with baller credit.
