Up late chatting with Cap One last night and I asked like I always do if there are any offers to upgrade my quicksilver. Out of utter disbelief she said yes to the venture one! I got hyped and was about to say yes but I put her on hold to log on here to see what others had to say about this sitiuation lol and decided not to because I currently get 1.5% back on everything and can redeem it any way but with the venture one I would only be getting back 1.25% and can only redeem for travel. Felt like I would be selling myself short. So I told her I will keep what I have. Then I tried to upgrade my secured if the offer was there for that card I would have taken in becuase it would be a gain instead of a loss, But she said no cuz its a secured and they are currently not offering anyfthing or secured cards but hope to change that soon.
Now on to AMEX i asked when I last asked for an increase so I would know when to ask again, she told me which was great but then she also told me that the way to get an increase is to pay on time and always in full. Now I have the Delta and the Green both get paid on time and in full I think I carried once on the Delta to see what would report. However isnt what she said kind of messed up. The Delta allows to carry so If i did it shouldnt be a problem if I did once. How can they say the only way to get an increase in to never leave a balance? Then she says she will give me the credit dept number but comes back andf says she cant.. See snippets below. Doesnt she seem shady or is it me, like her wording is not right?
Starting scores after BK (Filed 4/18/24) EQ 571 , TU , EX
Starting Score: 582
@Anonymous wrote:Always take what the reason chat with Amex with a grain of salt as they are often clueless about their own company's policies. You can carry balances and still get increases.
Lol I have to remeber that but I also rememeber reading on here that its taboo to carry balances with them as thet dont like it.