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NFCU, Capital One, and Discover IT! Thanks!

tschaet
Contributor

NFCU, Capital One, and Discover IT! Thanks!

Thanks to everyone for all of the great advice and information on here.  I started off with the Discover IT Secured Card 10 months ago, but I finally started taking my credit and finances seriously these past two months and, as a result, have improved on my scores and been approved for a $1000 Capital One Platinum Card and a $1,700 GoRewards card with NFCU.  I never thought I'd be approved for either of those.  Now I'm working on keeping my utilization down on the Discover card so that it can become unsecured.

 

I do have two questions about these cards though:

 

1) From what I have gathered, after about two months of having the Platinum card, I should go onto the site and use the live chat to request a PC to the Quicksilver card?

 

2) When exactly should one request a CLI?

 

These forums have been a great resource!


FICO Scores:
TU:669 / EX:665 / EQ:663
Message 1 of 6
5 REPLIES 5
cgardencredit1
Established Contributor

Re: NFCU, Capital One, and Discover IT! Thanks!

I can not help with the questions you asked because I am not as knowledgeable as others will be but I wanted to congradulate you on your new cards and score increase!

Fell of the wagon -- Gardening starting again 2/25/18- ???
Message 2 of 6
tschaet
Contributor

Re: NFCU, Capital One, and Discover IT! Thanks!


@cgardencredit1 wrote:

I can not help with the questions you asked because I am not as knowledgeable as others will be but I wanted to congradulate you on your new cards and score increase!


Thanks!  Still a long way to go and it's embarrassing how little I knew before, but we all start somewhere Smiley Happy


FICO Scores:
TU:669 / EX:665 / EQ:663
Message 3 of 6
ItsPossible
Valued Contributor

Re: NFCU, Capital One, and Discover IT! Thanks!


@tschaet wrote:

Thanks to everyone for all of the great advice and information on here.  I started off with the Discover IT Secured Card 10 months ago, but I finally started taking my credit and finances seriously these past two months and, as a result, have improved on my scores and been approved for a $1000 Capital One Platinum Card and a $1,700 GoRewards card with NFCU.  I never thought I'd be approved for either of those.  Now I'm working on keeping my utilization down on the Discover card so that it can become unsecured.

 

I do have two questions about these cards though:

 

1) From what I have gathered, after about two months of having the Platinum card, I should go onto the site and use the live chat to request a PC to the Quicksilver card?

 

2) When exactly should one request a CLI?

 

These forums have been a great resource!


Congratulations!!!! I just started rebuilding a few months ago after a BK7 a couple of years ago and this site has been an amazing resource. Looks like you have the same three cc companies that I do. Discover, Cap 1 and NFCU. 

 

As for your questions:

 

1. Yes, you can check whether you have an upgrade offer on the Platinum to QS anytime. I have read a few accounts on here where it was almost immediate. But, I think two months might be better. For me, I pc'd my QS1 to a regular QS after 91 days of opening the card. So, YMMV. 

 

2. As for CLI, with Cap 1, it is suggested you wait at least 90 days to request a CLI. Also, you should receive an automatic CLI at about 6 months, as you are probably in the credit steps program with the platinum card.  For NFCU, it is suggested you wait 90 days after opening and for a recent AR to take place. AR (account reviews) take place every 60 days. The next one is due end of December or beginning of January (from what I gather reading here). And the next one will be sixty days after that.

 

Hope this helps. 

 

Again, congrats!

"Hover mouse over cards to see CL and APR info"


Message 4 of 6
jonfive
Established Member

Re: NFCU, Capital One, and Discover IT! Thanks!


@tschaet wrote:

Thanks to everyone for all of the great advice and information on here.  I started off with the Discover IT Secured Card 10 months ago, but I finally started taking my credit and finances seriously these past two months and, as a result, have improved on my scores and been approved for a $1000 Capital One Platinum Card and a $1,700 GoRewards card with NFCU.  I never thought I'd be approved for either of those.  Now I'm working on keeping my utilization down on the Discover card so that it can become unsecured.

 

I do have two questions about these cards though:

 

1) From what I have gathered, after about two months of having the Platinum card, I should go onto the site and use the live chat to request a PC to the Quicksilver card?

 

2) When exactly should one request a CLI?

 

These forums have been a great resource!


I'm in the same boat, almost identically!

 

I started with cap1 secured

Got offered Citi DC

Got offered Cap1 Plat

On my way with NFCU currently

 

Cap1 Plat: I've read previously (can't find the link for the life of me); after 5 on-time payments, a higher CL would be available.

If i can find it i'll link it

 

Couldn't have done ANYTHING without these fine folks Smiley Happy

I've learned more in 3 days than I have my whole life!

 

Congrats!

Message 5 of 6
yreva22
Regular Contributor

Re: NFCU, Capital One, and Discover IT! Thanks!

A data point for you 

 

CapOne Platinum

- I started off with a $1k CL after reconning a denial. Had to submit w2's

- I PC'd my card to the QS (1.5% cash back, no annual fee) 13 days after my account was open (yes, 13 days)

- After my 2nd statement cut (61 days after my account opened) the CLI button finally appeared on my online account so I clicked that baby and BOOM, I got a $1k CLI bringing me to a $2k CL

- After my 6th statement cut (6 months after my account opened) I received my Credit Steps CLI for $500 bringing me to a total of $2500 CL

 

*Also just an FYI, credit steps initially told me soon after I opened my account that if I made online payments for 6 months that I'd get a CLI to $1500 at the 6 month mark. Well that went out the window when I got my $2k CLI at 2 months Smiley Happy

* I put about $500-$800 through the card monthly, never going over 30% utilization at one time and I PIF'd multiple times per month

 

 

Goo luck with your card OP and hopefully you can have similar or even better results!

Message 6 of 6
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