So on 1/1/19 I pulled the trigger on a Discover IT and NFCU Platinum got approved for both with the Discover IT SL $2500 and NFCU Platinum SL $4200. I was happy about that as these are my first premium cards that can actually grow into something. I ended up doing a prequal at CAP1 thinking i could maybe get a better card and mistakenly app'd for a QS1 thinking it was a regular QS and to my suprise a $300.00 SL So I called them to try and recon for a CLI only to realize my error and was then told I could PC my platinum to a QS so I did that (no recon on the CLI ) and will go ahead and age the QS1 for 6 months catch the auto CLI then do a Combination and merge the QS1 into the QS so i can keep all the CL. I was going to the garden but before i did i decided to try for a NFCU CLOC but i wanted to get approved more then I wanted to try and get a very large SL so I told myself to ask for 6000 then i said no ask for 50% of that or 3000 then i went to push submit and said well don't be greedy you want to get approved so ask for 2000 ( LOL) then i got cold feet and settled on $1500.00 and what da ya know instant approval. I am not mad at them they HP EQ which was at a 713 with 5 INQ, no baddies I am sure I could have got the 3000 maybe more but I don't care I'm just grateful to be in with them and will now Stop and go to the garden for no less then 6 months.
I think I will get prepared to dump my Creditone, Merrick and First Premier which i believe are all bucketed cards (I could be wrong) but I will wait a little and age the new stuff some before i dump them.
But in 4 days I have been able to add $8500.00 in the mix Good New Years Start for me I'm taking baby steps. Thanks to everyone on here all the information I get is so valuable.
