So 7 months ago I opened my first official credit card, the Capital One Secured. I put $49 down and received a $200 SL. After the 5th statement (always charged tiny $10/month charges), the limit jumped to $500. So far, so good.
After another month - six months of credit building using this card and a few other 'starter' cards - I decided it was time to app for better cards. I ended up with Amex BCE, Chase Freedom, BoA Cash Rewards, and per a pre-approval, the Capital One Platinum.
The Platinum had a SL of $500, likely set to match that of the secured card. First month, I charged $60, then PIF. I then received the credit steps email, stating that after my 5th statement my CL will increase to $750. This is about half the SL of my other new cards, but I know it will grow.
So after reading a bunch of posts on here about having a magical button on Cap1s site to see offers and upgrades, I went on the hunt. Couldn't find a darn thing. Not to be deterred, I hopped on secured chat. I simply asked if I had any offers; that I was hoping to PC to QS for the cash back. They checked, and sure enough I had an offer to upgrade to the QS! I was a little shocked to be honest: I only had the Platinum for 6 weeks. Definitely happy about this.
So this begs the the question: How many of YOUR cards have great offers just waiting to be discovered?
You never know until you ask.
