I have a friend who was wanting to try and build histation credit. He isn't very tech savvy and knows how hard I have been working to build my credit. So he came to me today asking for some pointers.
With the wealth of.knowledge I have received from this forum we logged into his capital one account.
He was approved for a Platinum MC with no AF and a SL of $1k
Next I showed him where the LUV buttom is and it got him a $1k CLI on his quick silver 1 card to a $3k limit.
3rd thing we did was get in chat and asked to PC the QS1 to a regular QS, an offer was not available, however, the char rep waived his AF for 1 year.
The last thing we did was the SCT on overstock (they like to shop here), he got a SP approval with $350 SL which I showed him how to hit the luv button on there and they increased him to $550.
Cliff notes
Friend started the day with $2000 CL that had a balance of $1,500 (70+% UTL), he now has $4,450 CL with approx 35% utilization after everything reports. All done with 1 HP (triple pull, thx CO)
His wife (an employee of mine) is wanting to build her credit now too, so I pointed her in capital ones direction as well (she was approved for a Secured card) so I'm gonna share what I know and try to help her as.well
With the wealth of.knowledge I have received from this forum we logged into his capital one account.
He was approved for a Platinum MC with no AF and a SL of $1k
Next I showed him where the LUV buttom is and it got him a $1k CLI on his quick silver 1 card to a $3k limit.
3rd thing we did was get in chat and asked to PC the QS1 to a regular QS, an offer was not available, however, the char rep waived his AF for 1 year.
The last thing we did was the SCT on overstock (they like to shop here), he got a SP approval with $350 SL which I showed him how to hit the luv button on there and they increased him to $550.
Cliff notes
Friend started the day with $2000 CL that had a balance of $1,500 (70+% UTL), he now has $4,450 CL with approx 35% utilization after everything reports. All done with 1 HP (triple pull, thx CO)
His wife (an employee of mine) is wanting to build her credit now too, so I pointed her in capital ones direction as well (she was approved for a Secured card) so I'm gonna share what I know and try to help her as.well
