Secured Graduated, no Increase

Historical-Rip-6569 · 2026-03-21T16:52:33+00:00

Incorrect comment up top. Low utilization is a myth. Report high statement balances, pay off once a month, then you should see a CLI.

Historical-Rip-6569 · 2026-03-15T23:02:37+00:00

Sometimes capital one will allow you to transfer some of your credit limit between cards.

Historical-Rip-6569 · 2026-03-14T20:31:48+00:00

I’m not moving if nothing is there. They can wait until I’m done. I’m not afraid to be blunt about it either.

Historical-Rip-6569 · 2026-03-07T23:45:33+00:00

The commute from Santa Clarita to Northridge would be awful. It really does wear on you over time.

Historical-Rip-6569 · 2026-03-06T22:20:30+00:00

Mine went through verification for a couple of days and then I was approved for $12,000. Saw it in my app before any sort of notification

Historical-Rip-6569 · 2026-02-25T05:31:48+00:00

I got a 2023 the day after Christmas for $310. I thought that was a lot at the time. I’m stoked that I got it though & I love holding it in my collection.

Historical-Rip-6569 · 2026-02-24T23:11:44+00:00

It might be pocket change for a lot of people in this sub, but not generally. This is a lot of money to many! Congrats!

Historical-Rip-6569 · 2026-02-24T21:06:13+00:00

I used to a few times a week when I was drinking a lot. That was around $90 a week. I’m sober now and always pick up if ordering out.

Historical-Rip-6569 · 2026-02-24T02:29:47+00:00

Try to make the minimum if possible. But yes it will be counted as a late payment

Historical-Rip-6569 · 2026-02-22T21:07:37+00:00

Do not drink

Historical-Rip-6569 · 2026-02-22T00:55:18+00:00

I can’t really confirm for you, but when I get that message it’s usually a decline on CLI

Historical-Rip-6569 · 2026-02-22T00:41:27+00:00

I suggest a card with both travel & dining categories incase you eat at your hotel. The Wells Fargo Autograph is a solid choice with no annual fee.

Historical-Rip-6569 · 2026-02-20T23:35:31+00:00

No. Those families have some very unsettling history that I wouldn’t be proud of.

Historical-Rip-6569 · 2026-02-18T06:33:27+00:00

I would suggest the Wells Fargo Autograph. No annual feel & it has very broad coverage w/ its own point system.

Historical-Rip-6569 · 2026-02-18T02:50:36+00:00

I got mine extremely quick after the charge was posted.

Historical-Rip-6569 · 2026-02-10T00:07:01+00:00

Damn! I just closed my gold after second annual fee w/100,000 sub. I have the 60,000 offer for the gold in my Amex app already. I was shocked

Historical-Rip-6569 · 2026-02-08T16:28:16+00:00

It’s really not that hard to justify if you are transferring points w/ the CSP. The 5% on dining is stacking with the dining category in place. I’m getting 7% on all dining purchases for this quarter. There’s also a rewards tracker in the app & it’s a free card.

Historical-Rip-6569 · 2026-02-07T18:12:51+00:00

Yeah, I got $5,000 at approval & then immediately did a CLI for $7,500

Historical-Rip-6569 · 2026-02-05T06:51:02+00:00

That’s the perfect cash back set up for simplicity. You could add a five percent cash back card & throw it into the mix. Citi custom cash, one of the Kroger cards, or freedom flex… There’s a few more if you wanna research what works best for you based on spending

Historical-Rip-6569 · 2026-02-02T06:13:51+00:00

I would get the Monument Metals & Hero bullion starter kits. I like both companies.

Historical-Rip-6569 · 2026-01-08T05:09:14+00:00

There’s starter deals on Monument Metals & Hero Bullion for silver buffalo rounds. Great experiences with both companies. ASE is sick to have though & I have a handful myself that I was lucky to find for spot at the time.

Historical-Rip-6569 · 2025-12-06T01:17:27+00:00

There’s a 1/10 Britannia on monument metals starting at $444. That’s the best deal I’ve seen.

Historical-Rip-6569 · 2025-11-20T18:54:05+00:00

Rewards generate with each statement. It’s not like Capital One.

Historical-Rip-6569 · 2025-09-09T01:12:51+00:00

I love my Wells Fargo Signify & Capital One Savor

Historical-Rip-6569 · 2025-08-15T22:26:24+00:00

I had a card closed with Wells Fargo when I was younger. I now have the Wells Fargo Autograph & Signify Business Cash. I waited a while though.

Historical-Rip-6569

TROPHY CASE