I'd like to build up my QS limit. (I have a QS1 as well, that still is not eligible for a PC, so I'm holding out on that one to attempt PC once it hits a year.) I smashed the CLI button for the QS, but the approval amount is only $100, which I just exited out of. I see it is still using reports from late Februrary, because I was denied a CLI on the Walmart Rewards, and the report date/score it used was 630 from 2/27/24. I feel like I have read somewhere in the forums that Cap1 does use 2 month old reports when doing CLI request, but I could be mistaken.
The question is, if I hold out 2-3 more months and try again, is it a possibility that the CLI amount will go up, as my scores should be better, and it will be pulling a newer report that more accurately reflects my current credit situation?
IMO, given the limited growth bucket the card is likely in being a $300 SL card, I personally take the $100 and just start that 6 month timer until another CLI is allowed
Yeah I got the QS in March, and the SL is $300. At the same time I got it the QS1 got CLI to $400, and that's what's offered now on the QS.
Thanks for the reply and advice!
Accepted the advice and took the $100 increase and marked my calendar for 10/21 to try again lol.
Cap1 bucket cards will never have high CLI's. Gotten worse over the yrs. Take what you can get when the offer is give. QS1 I named the brick yrs ago will stay the same and probably never be a full QS. Used to get AF waived. That kinda quit too. as we say. Once bucketed. Always bucketed.
@FireMedic1 wrote:Cap1 bucket cards will never have high CLI's. Gotten worse over the yrs. Take what you can get when the offer is give. QS1 I named the brick yrs ago will stay the same and probably never be a full QS. Used to get AF waived. That kinda quit too. as we say. Once bucketed. Always bucketed.
I hear ya. I've got both QS1 and QS. Figure I'll just close the QS1 before the next AF, no point in closing it before since I've already paid the fee. Assume the regular QS I got with the same exact SL and same exact CLI as the QS1 is probably sitting in the same ol bucket, just without the AF?
I generally agree with FireMedic1 about the bucketing, though it is still possible to escape the AF (if not a bit harder than before) and get to a regular QS. I opened my QS1 2/2022 got it to VentureOne 10/2022 and to regular WEMC QS 4/2023. Seems like going direct from QS1 to QS is pretty rare now.
I do have both the QS1 and the QS(with no AF). The QS1 may be eligible for a PC once it hits a year I'm thinking.
Touching back to this topic. I have a SavorOne that is apparently bucketed. Currently sits at $400. Clicked the button today and yeehaw, here's an extra $100. I cancelled it and didn't accept. I am wondering, is there a chance if I wait until this student loan I pushed a payment to (bringing it down to 1% left owed aggregate across all my loans, and should push me up over 700s for all 3 scores) would you think if I hit the button again, say in a few weeks, that the offer may be higher? Or is this just a silly bucket card forever, doomed to get tossed a scrap of a CLI every 6 months?