texansfanfromTX

85 Contributions 728 People Helped Top Contributor

Member Since: June 2014

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Capital One® Platinum Credit Card

Sep 05, 2015
Card does its job! 110 pts in 6 months
Helpful to 100 out of 101 people

So i opened my Platinum account in early March 2015 with a $300 CL, which is low, but seeing how this was my first card at 29 yrs. old and I was able to skip the secured card with a 539 CK Score. Well seeing how a tank of gas and a dinner at Olive Garden puts you over 30% utilization, I requested an increase only to be promptly denied due to account age. Any CO account newer than 3 months is automatically denied an increase. When the Platinum hit my report, my score jumped from like 560 to 580-590, I was also paying off old collections. When my score jumped to hover around 600 I was approved for the CO QuickSilver One for $500. Well at three months, to the day, from opening my Platinum I requested another increase only to be granted a $500 increase to $800 from $300, BOOM! Now, mind you this is separate from the Steps Program. When my Quicksilver was about three months old I did the same thing and was approved $1,000 CLI from $500 to $1,500, BOOM! Well today is the 6 month mark for the Platinum and after waiting till the evening to check my account, CO tends to recycle accounts from 8p-12a. Thats when all my payments normally hit my account. Anywho, my limit was just bumped another $500, from $800 to $1,300, BOOM!! 

For anyone who complains about this card's annual fee, GET OVER IT! Your paying $19-$39 per year to increase your CS! Plus, if you're doing it right, you should'nt need this account after maybe a year or two. Every month of keeping my utilization below 30%, my score jumped about 10-15 pts a month. Between my Platinum and the Quicksilver One, both have 1.5% cashback INCLUDING THE PLATINUM, I have about $130 cash back. Now what were you saying about the $19 annual fee? Plus how do you put a price on increasing your score? If your score is so low that you cannot get approved for any card except the CO Platinum, DO NOT COMPLAIN ABOUT THE TERMS! And if your score is TOO HIGH for this Card and you are upset about the dismal CL, NEXT TIME PAY ATTENTION TO WHAT YOU APPLY FOR, THIS CARD IS FOR PPL WITH a CS<600. So do not influence away the people that really need this card because of your ignorance. This card does everything it says and more. Its benefits go beyond granting credit. BTW-6 Months ago was March 2015: 539-556CS      Now- Sept 2015: 655 & 656 CK TU/EQ That is what this Capital One cards do for your score. OMG a $19 fee!!! Give me a break....

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Capital One® Platinum Credit Card

Sep 05, 2015
Card does its job! 110 pts in 6 months
Helpful to 100 out of 101 people

So i opened my Platinum account in early March 2015 with a $300 CL, which is low, but seeing how this was my first card at 29 yrs. old and I was able to skip the secured card with a 539 CK Score. Well seeing how a tank of gas and a dinner at Olive Garden puts you over 30% utilization, I requested an increase only to be promptly denied due to account age. Any CO account newer than 3 months is automatically denied an increase. When the Platinum hit my report, my score jumped from like 560 to 580-590, I was also paying off old collections. When my score jumped to hover around 600 I was approved for the CO QuickSilver One for $500. Well at three months, to the day, from opening my Platinum I requested another increase only to be granted a $500 increase to $800 from $300, BOOM! Now, mind you this is separate from the Steps Program. When my Quicksilver was about three months old I did the same thing and was approved $1,000 CLI from $500 to $1,500, BOOM! Well today is the 6 month mark for the Platinum and after waiting till the evening to check my account, CO tends to recycle accounts from 8p-12a. Thats when all my payments normally hit my account. Anywho, my limit was just bumped another $500, from $800 to $1,300, BOOM!! 

For anyone who complains about this card's annual fee, GET OVER IT! Your paying $19-$39 per year to increase your CS! Plus, if you're doing it right, you should'nt need this account after maybe a year or two. Every month of keeping my utilization below 30%, my score jumped about 10-15 pts a month. Between my Platinum and the Quicksilver One, both have 1.5% cashback INCLUDING THE PLATINUM, I have about $130 cash back. Now what were you saying about the $19 annual fee? Plus how do you put a price on increasing your score? If your score is so low that you cannot get approved for any card except the CO Platinum, DO NOT COMPLAIN ABOUT THE TERMS! And if your score is TOO HIGH for this Card and you are upset about the dismal CL, NEXT TIME PAY ATTENTION TO WHAT YOU APPLY FOR, THIS CARD IS FOR PPL WITH a CS<600. So do not influence away the people that really need this card because of your ignorance. This card does everything it says and more. Its benefits go beyond granting credit. BTW-6 Months ago was March 2015: 539-556CS      Now- Sept 2015: 655 & 656 CK TU/EQ That is what this Capital One cards do for your score. OMG a $19 fee!!! Give me a break....

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apr 22, 2016
To all of you new to CO...
Helpful to 35 out of 35 people

Exactly one year ago, I had absolutley NO credit to speak of. I did have a car loan with no missed payments, but my score was still in the 530s-40s, wtf?! SO...I applied for the CO Platinum Card and was instantly APPROVED for $300-WITH Cashback! I was so stoked to have my 1st cc, after being told "never use credit" by my parents-which have dismal scores. I was also stoked that I didnt have to settle for a secured card-which was gunna be the next step if I was denied by CO. When the card hit my report, my score jumped to 590-600-so, I applied for this card and was, to my surprise, Approved for $500, Hell Yeah! At the three month mark on each card I went online and requested a CLI and was granted +$500 on the Platinum and +$1,000 on the QS. At the 6th month mark, the Credit Step Program ended and I was raised an additional $500/card. Well it's been a year, so I requested another increase and was approved another $500 on the Platinum; the QS has not reached a year yet, but I will be doing the same thing. So, after 1 year, I went from only $300 to a grand total of $3,800 through CO-which should be bumped up at the year mark for the QS.

I have also been able to: 1-Lower my car loan APR from 16.75% to 3.92%, 2-get approved for the Chase Freedom, the Disover It, and a Citi CC. In one year I went from $0 CL to $8,100 CL overall. My score now is 650-which is up about 110 pts all thanks to CO giving me a shot and actually being responsible with mine and their money. I also paid off old collections and charge-offs from closed cell phone accounts and electricity providers. I had no creditors on my account as if I opened credit and did not pay it back. I just didn't have alot of money and didn't care if they turned off my cell phone. I have a different perspective now, to say the least, haha...yea. Anyways, Listen guys: It all gets better, just use the card right, make atleast your minimum monthly payment (but way more than minimum if you want a fat CLI), and be patient, CO rewards those who TCB (take care of business). 

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jun 03, 2015
Early Limit Increase!!!
Helpful to 32 out of 32 people

So, I have the Quicksilver One and the Platinum. The Platinum was my first CC, so I was happy not to have to invest in a secured card, anwyho. When the Platinum hit my Report, my score jumped 35-45 pts. so I applied for the QSilver. Yesterday was my 3rd month anniversary for the Platinum. The first month I applied for an increase, $300 is really hard to use while staying under 30% utilization, and was denied due to my account age. No account is eligible for an increase until atleast 3 months. So i applied for an early increase, apart from the Steps increase, and was increased to $800!!! I cannot wait to see the Steps Program increase after the 5th billing cycle. I will be applying for an increase on my QSilver on the 3rd month as well. After three months, I now have a limit of $1300, with atleast 3 increases possible, between the 2 cards, in the next 4 months!!! AWESOME SAUCE!! Thanks CO!! I also opened up a checking and savings account, WITH REWARDS, and signed up for DDeposit. I am hoping once they see how much money i make per week, my limit will sky rocket. My goal is not to live beyond my means, but to increase my score. I couldnt borrow a dollar from Discount Tire if I wanted to, and i make 75k/yr, now that is embarrassing. Thanks again CO for working with me, you now have a customer for life, barring any future shady acts...:P

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jun 21, 2015
Just an Update for the Researchers!
Helpful to 75 out of 79 people

Just wanted to update everyone on my status. A few weeks ago i was given a limit increase on my Platinum from $300 to $800; at the three month mark I requested the increase. Right now I am at the two month mark for my QSOne, which has a $500 limit, which I will hopefully increase in a month. What I am about to tell ya'll is absoultely true:

In March 2015 my scores were 539-558, even though I have been paying my auto loan payments on time everytime, my score were still dismal. Somehow, i was approved for the CO Platinum, with rewards if you can believe it. 2 months later when that card hit my report, my scores jumped to 590-600 FICO and 600-610 CK, so I applied for the QS One and was approved. My fiance has me as an authorized user on her Best Buy card as well, we are paying off her Macbook. Today is June 21st at 10:18, in Houston, TX and my score jumped to 650 this morning. Guys that's, what, 90-110 points in 3 months?!?!?! Are you kidding me? Now Ck is my friend telling me to apply for some Big Boy cards. MyFICO has my score from 607-618 so CK is not far off, if not a sort of predictive tool as to where my FICO scores are heading. Sept is my 30th B-Day and I will be applying for one of those Big Boy cards then. When my limits increase I will let everyone know.

Capital One® Platinum Credit Card

Nov 18, 2015
This card leads to 'Freedom'
Helpful to 29 out of 29 people

I applied for this card as my last resort before settling for a secured card. I was approved for $300, without providing any citizenship documents. I had a 551 avg between the 2 scores on CK. When the card hit my report my score jumped to 600 avg. So I applied for the QuickSilver One(Mastercard), and was approved for $500. After the 3 month mark on each card I applied for a limit increase. The Platinum was bumped from $300 to $800 and the QS One was bumped from $500 to $1500. At the 7th billing cycle the 'Credit Steps' increase was applied and my new limits are now $1,300 and $2,000! I went from $0 limit to $3,300 limit in 7 months. My scores now are in the 660s so I applied for the Chase Freedom card after Chase.com matched me to the same cards as creditcards.com. THis has never happened, Chase has never matched me to any of their cards-and NEVER verified a match from another site. The 3-4 sites I monitor my credit through all recommend the Freedom card, but Chase is VERY stingy, especially since the recession. Credit isn't so easy to attain anymore, let alone rebuild. My limit on the Freedom is only $500, but if CO jumps me from $500 to $2,000 in 6 months under a Credit rebuilding program, I cannot wait to see what Chase does. Plus having Chase on my report is going to look VERY attractive to future lenders. Good luck guys, a 110 point score increase is entirely possible JUST PAY YOUR BILLS!

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jul 20, 2016
Work The System!
Helpful to 24 out of 24 people

So, last year, in March, I was approved for the Platinum card with a $300 limit. When the card hit my report, I applied and was approved for the QuickSilver One for $500. Since then I have been approved for Citi twice, Amex twice, Capital One once more, Chase once, and Discover. Well, at 3 months on each card I requested limit increases and was bumped from $300-$800 and $500-$1,500. At the 6 month mark and the end of the Step Program, my limits went to $1,300 and $2,000. At one year the Platinum went up to $1,800-that is when I combined the limits for a total of $3,800. This is when I applied for the VentureOne card and was approved for $2,000. Well, after a couple of months and running atleast $4k through the card, and making very large payments($700-$1k payments), I just requested a limit increase and was bumped from $2k-$4k and so I attempted to combine the limits again and the system let me! I just went from $2k CL to $7,800 CL!!!! Holy COW. I guess thats how someone works the system. In 6 months I will request another increase and keep you guys posted.

This all started with the Capital One Platinum and QuickSilver1.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apr 23, 2016
Just another Update....
Helpful to 22 out of 22 people

So, a few days ago I posted something about my credit experience since being approved for my CO cc's. I have a number of cc's now, all with MAJOR companies: Citi, CO, Chase, Discover, and as of 45 minutes ago...I was approved for the American Express Blue Cash Everyday card, with i think 15 months no interest. Guys this all started with CAPITAL ONE. Absolutely astounding that I could be an Amex cardholder. My parents NEVER had Amex and have completely ruined their credit and almost succeeded in making sure I never built my own credit.

Capital One® Platinum Credit Card

May 29, 2016
This card is a foundation
Helpful to 21 out of 21 people

I applied for this card with a 537 CS and was approved, with rewards and a $300 CL. After 3 months I had it bumped to $800. At six months it went up to $1300. After one year it was bumped to $1800!  I ended up combing this card with the Quicksilver One card with a grand total of $3800-all accumulated in a single year. Just work the system, pay more than minimum and keep 30% utilization. After 3 months apply for an increase; if you did what I said CO will have no problem giving you a higher limit. Another thing is to make large purchases and pay it off quickly. That's how you get the better CLI's. This started in 3/2015. In the fall I was approved for the chase Freedom card with 15 months no interest. New Year's Day I was approved for a Citi cc. In March of this year Discover approved me for $1,800 and now I have 2 American Express cards. I went from 537 to 660 in a single year and it started with Capital One. I was also just approved for the VentureOne cc with an initial limit of $2k-which I will exploit the 3 month rule and have the limit increased. Since this is a top tier card the CLI should be generous. Good luck guys it all gets better. 

Capital One® QuicksilverOne® Cash Rewards Credit Card

Feb 12, 2016
It works if you WORK IT!
Helpful to 21 out of 21 people

For all of you fellow Credit Karmanians who just recently received the card with 3 months, and have the Step Program, wait for that 3 month mark(3rd Statement) and go online to request a limit increase. I did that for both my CO cards and the increases were apart from the program, so my limits were increase twice in 6 months on each card. I went from a total CL of $300+$500=$800 to $1,300+$2,000=$3,300 through CO only. I have also, since, been approved for the Chase Freedom $1,500 for now, and the Citi Best Buy Card(not the store card-the partner card) $1,000 initial limit. Guys, it works if you WORK IT!

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jul 18, 2015
Second Limit Increase!!!
Helpful to 20 out of 20 people

I have the Platinum and the QuickySilver. Right at the 3 month mark I requested a limit increase on Platinum and was granted $500 increase, from $300 to $800 total CL. I immediately requested an increase on the QSilver and was promptly denied due to age of the account. Well today is just a few days shy of 3 months on the QSilver and I just could not wait till the 22nd. I was just granted an increase from $500 to $1500. I now have a total credit limit of $2,300 through CO. In just over 4 months I went from not being able to finance a single tire through DIscount Tire, to having $2,300 revolving credit limit. Best part is I was able to skip the secured card all together. Both of these increases are supposed to be aside from the Step Program that both of the cards are currently enrolled in. Two more increase available between the cards in the next 2-3 months, Best of Luck and thanks CO!     ***Just a Tip****   Use as much of your limit as you are OK with and pay it right down, NEVER PAY MINIMUM if you want a significant CLI. CO has no reason to give you a good CLI if you never come close to your Limit. I will keep Ev1 informed with my next increase. FYI CK has me at 653, up from 559 from March/2015. Cant wait to see the increase's affect on my scores.

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