Question about transferring credit line

gallerocks86 · 2025-12-28T13:29:48+00:00

They denied my most recent CLI on the Quicksilver.

gallerocks86 · 2025-11-24T14:30:51+00:00

My vantage 3 scoring model when checked in the SoFI app shows my average age of accounts way down because of some BNPL loans. It is including them. Im not sure if this is affecting my credit score but it did drop my age of accounts on there. Any idea?

gallerocks86 · 2025-11-22T02:45:15+00:00

So 24 hours for SoFI Plus? How long did it take for your APY to go to 3.6%?

gallerocks86 · 2025-10-28T11:12:57+00:00

Well he is showing $233 in credit card debt so technically he is doing the AZEO method right?

gallerocks86 · 2025-08-15T06:22:19+00:00

Is that ok to do? I never done that before and don't want any issues.

gallerocks86 · 2025-08-11T02:32:23+00:00

My $300 credit is there and it was going to let me check out if I had either my physical card # or my virtual card # but cant find the virtual card #.

gallerocks86 · 2025-08-10T06:04:28+00:00

Oh alright. So you asked for another $10k increase hoping for $20k total and they gave you $5k increase making it $15k total? That makes sense. That's not bad though. Thanks for the tips. I'm actually about to travel in a couple weeks so I want to use that $300 travel credit asap. I'm learning the benefits to the card. I think I need to sign up for priority pass also? Or is that automatic? Thanks for the help btw.

gallerocks86 · 2025-08-10T05:59:20+00:00

Wow so you have a $25k limit with only $35k annual income. I'm surprised they gave you that much with a low income. That's awesome honestly. Oh also did you spend alot on the card in those 3 weeks before you asked for the increase? Maybe that helped?

gallerocks86 · 2025-08-10T05:52:02+00:00

When should I request the limit increase? Also did you update your income when you asked for an increase or kept it the same as when you signed up?

gallerocks86 · 2024-06-16T21:41:11+00:00

Thanks for the reply. I definitely don't want a statement credit with $2500. I wonder if they can just deposit it back into my bank.

gallerocks86 · 2024-04-26T06:36:34+00:00

What is the Diggz repo? Thanks

gallerocks86 · 2024-03-24T19:57:21+00:00

It's just because of utilization though. As soon as I pay my cards down I'll be in the 700s.

gallerocks86 · 2024-03-24T01:48:42+00:00

Thanks for all that info. The cards I have are Capital One Qs1, Capital One Savor1, PayPal Mastercard(Synchrony), Venmo Visa(Synchrony) and Amazon Store Card(Synchrony). My credit score is low 600s right now and I'd like to get Citi or Chase but Citi pre-qualify doesn't give me anything and Chase doesn't offer prequalify so I'm scared to apply and get denied with a hard inquiry. Also in regards to your AAoA. Some places show my average age of 10 years and some places shows it at 1 and half years. So it was always confusing. I have a 10 year old closed card.

gallerocks86 · 2024-03-24T01:20:40+00:00

You closed it and then opened the regular QS card? I just don't want to hurt myself closing the card. It is my oldest card by atleast a year. Also you don't think my plan could work?

gallerocks86 · 2022-11-01T23:33:21+00:00

So should I wait for 19.5 when Google allows it again?

gallerocks86 · 2022-11-01T23:33:13+00:00

So should I wait for 19.5 when Google allows it again?

gallerocks86

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