THANKS SO MUCH....
As for EX, I do have the only collection left on ALL of my reports left on theirs (even thou it's been removed off the others
), hence the lowest of all my scores. It's in dispute (AGAIN) right now. I will just PIF and to delete if this dispute is not successful.
As for EX, I do have the only collection left on ALL of my reports left on theirs (even thou it's been removed off the others
), hence the lowest of all my scores. It's in dispute (AGAIN) right now. I will just PIF and to delete if this dispute is not successful.
@DoroLucky wrote:
THANKS SO MUCH....
As for EX, I do have the only collection left on ALL of my reports left on theirs (even thou it's been removed off the others
Sure, anytime.
Maybe someone who has experience with the collection/dispute/PFD situation and EX can chime in or maybe you can pose the question in the Rebuilding Your Credit subforum for a better response.
I'm kinda glad I have that issue because it keeps me from app'ing LOL.
Actually that collection was REMOVED from EX last year and about 6 months later, it came back but under a different CA.
Actually that collection was REMOVED from EX last year and about 6 months later, it came back but under a different CA.
@UncleB wrote:Don't give up, just keep asking them every few months or so. I checked back in December and was told "there are no offers currently available on your account" just to check again last week and finally have an offer. FWIW, the chat rep in December told me they evaluate accounts every three weeks, but I'm not sure how much validity there is to that statement.
Also, your account being a former Orchard/HSBC account isn't holding you back; if you were told that by a CSR, the CSR is misinformed. My own former Orchard/HSBC card was PC'd to a QS just last week (my account dates back to 2007).
Here's a link to my thread about it:
http://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-QS1-to-QS-PC-Finally/m-p/4460966
Thanks Uncle B, this is great to know. Now I'mm hopeful 
After harassing CAPPY's chat reps literally every other week for a PC to a regular QS card and getting shot down each time, I finally give in and combined my QS ($9500 CL) card into my QS1 MC $59 AF ($2500 CL) because of its age and low APR. Before then, I tried calling, chat, and even EO but each times, it was a NOOOOOOOOO LOL.
So with my new total CL of $12,000 after combining, I jumped on chat days later because I've read they will only PC to a QS if the CL is over $5000. Well not surprised, I was SHOT down again
...that was about 2 weeks ago.
Anywho, today today TODAY 
I jumped on chat again because I just opened another QS $10 CL (in hopes of combining limits down the road. I wanted to know its due and closing dates to make sure I don’t get caught with a balance. After getting that info the rep asked "is there anything else I can do?" I was RELUCTANT to ask for a PC on my now $12K $59 AF QS1 MC because they have been shooting me down for like a year or so LOL. But anyway, I asked AGAIN and this time the rep said YESSSSSSSSSSSSSSSSSSSSSSSSSSS we have an offer. By this time, the dramatic music was playing in the back and that one tear drop from excitement started to roll down my left cheek
. Old card has already been shredded LOL!!!
She told me I had the option and a regular QS or a VentureOne. I was sooooooooooooooo excited, I jumped on it right away. She then transferred me to another rep who confirmed my address and email then finalized everything. I will be getting my brand spanking new QS MC with NO AF in 7 – 10 days.
THANK YOU MYFICO…I am always grateful because I would have NEVER known any of the things I know credit wise if it weren’t for you all.
Now all I need to do is keep my tail in the garden and work on my baddies and I’ll have an AWESOME credit life ahead.
I LOVE you today CAPPY
@DoroLucky wrote:
After harassing CAPPY's chat reps literally every other week for a PC to a regular QS card and getting shot down each time, I finally give in and combined my QS ($9500 CL) card into my QS1 MC $59 AF ($2500 CL) because of its age and low APR. Before then, I tried calling, chat, and even EO but each times, it was a NOOOOOOOOO LOL.
So with my new total CL of $12,000 after combining, I jumped on chat days later because I've read they will only PC to a QS if the CL is over $5000. Well not surprised, I was SHOT down again
Anywho, today today TODAY
She told me I had the option and a regular QS or a VentureOne. I was sooooooooooooooo excited, I jumped on it right away. She then transferred me to another rep who confirmed my address and email then finalized everything. I will be getting my brand spanking new QS MC with NO AF in 7 – 10 days.
THANK YOU MYFICO…I am always grateful because I would have NEVER known any of the things I know credit wise if it weren’t for you all.
Now all I need to do is keep my tail in the garden
I LOVE you today CAPPY
Congrats my friend!
I know exactly how you feel... my card will be nine years old next month, and after asking numerous times I was finally allowed a PC to a Quicksilver MasterCard back in February. Like you my APR is relatively low, but my AF was $79... and that 'stung' quite a bit each year!
I'll just add that my limit was (and still is) $3900, so I can say that a $5k limit isn't required. It was once said that the credit line had to be $3k, but several folks have been successful with credit lines lower than that as well.
In any case, you got it - you have arrived! Congrats again on your PC!
@UncleB wrote:Congrats my friend!
I know exactly how you feel... my card will be nine years old next month, and after asking numerous times I was finally allowed a PC to a Quicksilver MasterCard back in February. Like you my APR is relatively low, but my AF was $79... and that 'stung' quite a bit each year!
I'll just add that my limit was (and still is) $3900, so I can say that a $5k limit isn't required. It was once said that the credit line had to be $3k, but several folks have been successful with credit lines lower than that as well.
In any case, you got it - you have arrived! Congrats again on your PC!
Thank you Uncle B. I had given up because I did not think it would ever happen at all LOL
Good on getting the score boost. At least you can say there was some good success for the day.
