1 of 7
2 years ago
Tue Sep 13, 2022 10:30 pm
Tinkegrrl
Seasoned Rebel
Tinkegrrl has passed the 12 month threshold!
No scorable inquiries on file!
Tinkegrrl has achieved the Garden Goal !!
No scorable inquiries on file!
Tinkegrrl has achieved the Garden Goal !!
Last edited by Tinkegrrl on Tue Sep 13, 2022 10:32 pm, edited 1 time in total.
Not sure why they like me, considering the low spend I put on this card, but they do. You’d think a card that started at $300 was stuck in the low limit bucket. It may yet still be. I still haven’t crossed $5k with it, but it’s not stuck at something ridiculous like the $1500 I seem to be stuck on with Discover.
Anyway, my history with this card is as follows: Opened the Quicksilver card in March of 2021 with nothing on my FICO files. Absolutely nothing. This was my very first account. Started at a limit of $300, but i spent around $1000 on the card the first couple months by paying the balance down as I went. It was my only card for a couple weeks until I got the Discover secured card as well. At 3 months they bumped me up to a $400 limit when I requested an increase. 6 months after that, I got an auto increase to $2900 but I was TRYING to get an increase at that point, I was letting the card reach the limit before paying it down in one large payment, rather then paying as I went as I was before, just so Capital One can see the large payments. It worked, even though the card was still reporting with a $0 balance each month.
Today I went to the site to update my income, as I just got a raise at work. I figured it’s been another 6 months, so why not ask for another increase? Keep in mind I wasn’t doing anything to get an increase, I only put $500 on that card this month total and the last few previous months have been even less. I only spent $500 this month because I was visiting my mother down south and there are a lot more merchants there that don’t take contactless pay then where I am in NY. This means no Apple Card. I paid it down before the statement cut as usual. I still got an increase to $4400. This card has pretty much been reporting with a $0 balance for a year at this point.
Anyway, my history with this card is as follows: Opened the Quicksilver card in March of 2021 with nothing on my FICO files. Absolutely nothing. This was my very first account. Started at a limit of $300, but i spent around $1000 on the card the first couple months by paying the balance down as I went. It was my only card for a couple weeks until I got the Discover secured card as well. At 3 months they bumped me up to a $400 limit when I requested an increase. 6 months after that, I got an auto increase to $2900 but I was TRYING to get an increase at that point, I was letting the card reach the limit before paying it down in one large payment, rather then paying as I went as I was before, just so Capital One can see the large payments. It worked, even though the card was still reporting with a $0 balance each month.
Today I went to the site to update my income, as I just got a raise at work. I figured it’s been another 6 months, so why not ask for another increase? Keep in mind I wasn’t doing anything to get an increase, I only put $500 on that card this month total and the last few previous months have been even less. I only spent $500 this month because I was visiting my mother down south and there are a lot more merchants there that don’t take contactless pay then where I am in NY. This means no Apple Card. I paid it down before the statement cut as usual. I still got an increase to $4400. This card has pretty much been reporting with a $0 balance for a year at this point.
- Score data EX8 764 TU8 767 EQ8 767
- Classic 8 Scorecard CLEAN/THICK/YOUNG/NEW-REVOLVER
- Mortgage Scorecard CLEAN/THICK/YOUNG/NEW-ACCOUNT
- AoOA 2 yrs
- AoORA 2 yrs
- Date of Last Inquiry and/or New Account Opening July 1st, 2023
- Garden Goal 12