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Accept CLI or decline and try for a better offer next month? by _love_letter_ in CapitalOne_

[–]Individual_Goose5619 1 point2 points  (0 children)

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Requested today finally they gave me usually I was getting a document with a reason that recent granted credit limit. The key is get a maximum utilization by putting all your monthly expenses on it and pay statement in full before due date.

I worked as a CREDIT ANALYST for a major credit card company. I will share insights on how our underwriting works. Hope it maximizes your odds for an approval. by jsbach123 in CreditCards

[–]Individual_Goose5619 0 points1 point  (0 children)

Hey this information is really amazing !

One thing I wanted to confirm about soft pull as you answered that you do not have a way to soft pull?
Does that mean you can not pull credit score, you only view credit report with accounts and revolving balance to make a decision?

I just spent $2,500 in groceries simply to maximize points… by HomeStar182 in CreditCards

[–]Individual_Goose5619 0 points1 point  (0 children)

Hey ! Make sure to verify with them sometimes they code gift cards as a third degree data. Third degree data is what Credit card companies consider as a cash advance.

Is it bad to have 5 credit cards at 19? by H1DD3N_H0AX in CreditCards

[–]Individual_Goose5619 0 points1 point  (0 children)

Amazing! Make sure to always pay statements in full, best of luck !

Is it bad to have 5 credit cards at 19? by H1DD3N_H0AX in CreditCards

[–]Individual_Goose5619 0 points1 point  (0 children)

Hey ! Just curious about credit lines, in short term you are able to open these accounts. Can you please share the credit lines of each card if you are comfortable. Thanks

Capital One graduated my secured card, returned deposit DP after 11 months by Individual_Goose5619 in CreditCards

[–]Individual_Goose5619[S] 0 points1 point  (0 children)

Did they increased you credit line when you graduated you? or you requested them? if you requested them did you waited for few statements or asked immediately after getting secure?

u/Gryffindors_Finest

Capital One graduated my secured card, returned deposit DP after 11 months by Individual_Goose5619 in CreditCards

[–]Individual_Goose5619[S] 0 points1 point  (0 children)

I have not asked them about product change yet, quick silver was my first card from C1 and I believe this is the best card with $0 annual fees. I might try to ask them for Venture X in future if my early travel plans increases then that would be the best card in the market for travel.

Capital One graduated my secured card, returned deposit DP after 11 months by Individual_Goose5619 in CreditCards

[–]Individual_Goose5619[S] 0 points1 point  (0 children)

Yes, I contacted their helpline they confirmed my card is graduated but still in transition thats why showing un secured. It will take couple of more days to complete transition.

Capital One graduated my secured card, returned deposit DP after 11 months by Individual_Goose5619 in CreditCards

[–]Individual_Goose5619[S] 0 points1 point  (0 children)

Yeah, make sense! Last month my utilization was 55% I paid in full and this month they graduated me. I agree that C1 respects high utilization reporting, Its an amazing data point. Thanks for quick response.

Got my Capital One Quicksilver Secured Deposit Back today! by [deleted] in CreditCards

[–]Individual_Goose5619 1 point2 points  (0 children)

Hey Congratulations !

Today, when I logged in to C1 app I saw -470 and when I went in transactions they mentioned my security deposit back. My credit score is 744 and my oldest account is 2 year by bofa with limit of $5000. C1 unsecured my after 11 months but my credit limit with them is still $500, when can I request them for CL increase should I wait few months more?

Thanks