When to get Cap1 unsecured? And NFCU question

[starry1]

So, noting the information in my signature, how long do I have to wait to apply for an unsecured Cap1?  I have the secured card, I've been increasing the CL a little bit every month and PIF each month.  Should I give it six months before I try for unsecured?

I ask because I'm planning my September app spree when all my new cards will be 6 months old.  I have an old judgment on TU only and the BK  on all three, otherwise I have a clean report.

So NFCU wouldn't give me a CLI on my nRewards last week when I refinanced my car with them.  I'm not sure why since I PIF a couple times a month, and I've run a good two grand through that card already.  Maybe its because I've only had two statements.  I think I've read here before that they are reluctant to give increases on a starter card (even though mine is an unsecured one).  So when I go on my app spree should I try for a CLI from them, or just app for a new card?

[Countingpennies]

You don't have any IIB accounts on your reports?

I was DC'd 11/12, apped for Cap1 unsecured end of Jan. I skipped the secured step, figured it can't hurt to try. I was approved. Two months later apped and approved for the Cap1MC Rewards. You could try now, if you're not worried about inqs. However, I would wait if apping for Barclay's is in your plan for Sept.

[starry1]

I only have one IIB account on my report because its the only one I haven't been able to get off.  My reports are clean.

[Countingpennies]

That's great work for 3 months. I'd love to know how you did it. It was a major repeated effort just to get mine to report IIB.

[justforting]

I got my cap one new comer after having the secured card for 8 months and getting several other cards.

[myjourney]

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@starry1 wrote:

So, noting the information in my signature, how long do I have to wait to apply for an unsecured Cap1?  I have the secured card, I've been increasing the CL a little bit every month and PIF each month.  Should I give it six months before I try for unsecured?

I ask because I'm planning my September app spree when all my new cards will be 6 months old.  I have an old judgment on TU only and the BK  on all three, otherwise I have a clean report.

So NFCU wouldn't give me a CLI on my nRewards last week when I refinanced my car with them.  I'm not sure why since I PIF a couple times a month, and I've run a good two grand through that card already.  Maybe its because I've only had two statements.  I think I've read here before that they are reluctant to give increases on a starter card (even though mine is an unsecured one).  So when I go on my app spree should I try for a CLI from them, or just app for a new card?

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For CAP1 try your next spree

Sorry you didn't get the CLI but you'll probably get a a large one on next spree as well

[starry1]

I started disputing stuff before my 341 meeting.     I had zero collections reporting less than a month after discharge.  The one IIB account is not under colections.

Thanks myjourney, I'm not that sold on getting another cap1 card, so my next spree might just be NFCU and store cards.