Am I using QS1 right ?

[cuthatcard]

Got the card about 2-3 weeks ago, been using it and paying on it weekly.  

Question : Am I doing this the right way for a CLI at the 3-4 month mark? 

In credit steps, SL is $ 2,000.00 , gonna pay the uti below 9% before the statement date. 

Usage + payment "should " = cli, right ?

[Anonymous]

Not in my experience.  They did not tell you what your increase will be after so many (thought it was 5 for credit steps) on-time payments?  I used mine very little the first few months and got a $2000 bump after a $300 SL.

[grillandwinemaster]

You May be right, you May bee wrong.  

But, keep in mind,  

YMMV...

[cuthatcard]

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@Anonymous wrote:

Not in my experience.  They did not tell you what your increase will be after so many (thought it was 5 for credit steps) on-time payments?  I used mine very little the first few months and got a $2000 bump after a $300 SL.

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No, they did not tell me what my cli would be by completing the credit steps successfully!  

[MugenCivicSi83]

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@cuthatcard wrote:

Got the card about 2-3 weeks ago, been using it and paying on it weekly.  

Question : Am I doing this the right way for a CLI at the 3-4 month mark? 

In credit steps, SL is $ 2,000.00 , gonna pay the uti below 9% before the statement date. 

Usage + payment "should " = cli, right ?

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Good question. I just got app'd for the QS1 at $3k CL. I will wait 5 months like they say online.

[Anonymous]

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@cuthatcard wrote:

Got the card about 2-3 weeks ago, been using it and paying on it weekly.  

Question : Am I doing this the right way for a CLI at the 3-4 month mark? 

In credit steps, SL is $ 2,000.00 , gonna pay the uti below 9% before the statement date. 

Usage + payment "should " = cli, right ?

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The two main factors are going to be score improvement and usage. If your scores do not change much and your usage is low, you may only see a minimal increase.

[cuthatcard]

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@Anonymous wrote:

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@cuthatcard wrote:

Got the card about 2-3 weeks ago, been using it and paying on it weekly.  

Question : Am I doing this the right way for a CLI at the 3-4 month mark? 

In credit steps, SL is $ 2,000.00 , gonna pay the uti below 9% before the statement date. 

Usage + payment "should " = cli, right ?

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The two main factors are going to be score improvement and usage. If your scores do not change much and your usage is low, you may only see a minimal increase.

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Thanks for the reply!  

Actually,  after my last baddie fell off of EQ this week I've had a 50 + point increase with that CRA!  Have zero baddies left...

Usage has been quite a bit, paid 3 times and will let about 8% report on the 28th. 

This will be the 1st statement  I've had since getting the card soooo, I do hope this helps !! 

[Anonymous]

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@cuthatcard wrote:

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@Anonymous wrote:

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@cuthatcard wrote:

Got the card about 2-3 weeks ago, been using it and paying on it weekly.  

Question : Am I doing this the right way for a CLI at the 3-4 month mark? 

In credit steps, SL is $ 2,000.00 , gonna pay the uti below 9% before the statement date. 

Usage + payment "should " = cli, right ?

---

The two main factors are going to be score improvement and usage. If your scores do not change much and your usage is low, you may only see a minimal increase.

---

Thanks for the reply!  

Actually,  after my last baddie fell off of EQ this week I've had a 50 + point increase with that CRA!  Have zero baddies left...

Usage has been quite a bit, paid 3 times and will let about 8% report on the 28th. 

This will be the 1st statement  I've had since getting the card soooo, I do hope this helps !! 

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They will not pull your credit when you ask for a CLI - they simply refer to their last soft pull, which could be as long as three months ago. If denied just keep trying every few days.

[cuthatcard]

Great info Norman. .!!