Quicksilver One CLI

[-Cain-]

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@Anonymous wrote:

I have had mine since december, initial CL $1,000, promised steps increase of $500 after 5 payments/6months. Used the heck out of card paying off multiple times a month, while still carrying a small balance. I was after the end of my 5th statement, had paid a few times last month, was impatient after lurking here...hit luv button. Instant increase of $2000. Hilarious thing was the other day I log on, and they gave me my promised $500... so WEIRD!!!!

My big unanswered question (burning) is... if I would have been patient and let them raise me to $1,500, I am betting I would have been forced to wait 6 more months? Or is it 6 months b/w manual CLI, and auto ones dont count?

The sad part is, come october, my 10 interest free months end, and APR of 22.9 begins (score was lower when appd). This wont be a problem for me as I dont always carry a balance. But it is peace of mind to have closer to prime interest. I guess I would have no choice but to call in and see if they will lower it (amex gave me 15.9, commerce bank 16%) but I am thinking I will have to PC it simultaneously?

The even more confusing thing is all the inconsistencies with quicksilver cards. Mine is a visa. With no AF. And in credit steps. Which conflicts with everything else half the time seeing more QS1 MCs with AFs that are closer to my scores. Lol. And now that I am realizing my Amex Viagra  can be used for travel....maybe I wont want to PC my qs to the venture. Perhaps I can get my CL at 5k, and somehow PC to a visa siggy with lower APR!

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They'll work with you on APR. they lowered mine after a call from 19.99% to 15.24%. Just keep asking.

[Anonymous]

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@-Cain- wrote:

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@Anonymous wrote:

I have had mine since december, initial CL $1,000, promised steps increase of $500 after 5 payments/6months. Used the heck out of card paying off multiple times a month, while still carrying a small balance. I was after the end of my 5th statement, had paid a few times last month, was impatient after lurking here...hit luv button. Instant increase of $2000. Hilarious thing was the other day I log on, and they gave me my promised $500... so WEIRD!!!!

My big unanswered question (burning) is... if I would have been patient and let them raise me to $1,500, I am betting I would have been forced to wait 6 more months? Or is it 6 months b/w manual CLI, and auto ones dont count?

The sad part is, come october, my 10 interest free months end, and APR of 22.9 begins (score was lower when appd). This wont be a problem for me as I dont always carry a balance. But it is peace of mind to have closer to prime interest. I guess I would have no choice but to call in and see if they will lower it (amex gave me 15.9, commerce bank 16%) but I am thinking I will have to PC it simultaneously?

The even more confusing thing is all the inconsistencies with quicksilver cards. Mine is a visa. With no AF. And in credit steps. Which conflicts with everything else half the time seeing more QS1 MCs with AFs that are closer to my scores. Lol. And now that I am realizing my Amex Viagra  can be used for travel....maybe I wont want to PC my qs to the venture. Perhaps I can get my CL at 5k, and somehow PC to a visa siggy with lower APR!

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They'll work with you on APR. they lowered mine after a call from 19.99% to 15.24%. Just keep asking.

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I have to wait until promotional apr ends in Oct though first right? 

[-Cain-]

@jfriend33 yes I'd imagine so. Mine was done post promo period.

[Anonymous]

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@Anonymous wrote:

My second statement will be cutting in a few days and I have already paid in full. I do put heavy usage through it as well so I'm gonna try my luck with some luv after the statement posts. 

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It happened to me after second statement cut and posted. I was offered 1k increase but declined it. Just waiting to see if it goes up more the longer I wait. If it doesn't it is still fine with me. 

[Anonymous]

Thanks for the heads up. I've had my card since April with $500 limit. Just hit the love button and got another $500. Can't wait to see what I receive for credit steps

[Anonymous]

SO IT ISNT TOTALLY NECESSARY TO WAIT A FEW MONTHS FOR A CLI? IS IT ONLY A SOFT PULL IF SO?

[Anonymous]

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@Anonymous wrote:

SO IT ISNT TOTALLY NECESSARY TO WAIT A FEW MONTHS FOR A CLI? IS IT ONLY A SOFT PULL IF SO?

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Yes it's a soft pull.

[OmarGB9]

I got a $500 CLI from hitting the luv button after my 5th statement cut. And a couple of days ago I got some auto luv for another $500 out of nowhere. I'm also still due for my promised steps increase in October/November, which is another $500.