Reply
Established Contributor
Posts: 1,040
Registered: ‎02-27-2012
0

Best no AF Capital One card

I'm about to email Capital One Executive office about a CLI and a PC. I currently have 2 Capital One cards, one with $1250 CL and the other with $1000. I'd like to keep the older one with 7% APR and close the other one. I'd like to get a CLI to atleast $5000-$6000 and PC to another type of account.

 

For this account I think I will be using it lightly. Right now I'm thinking of PCing to the VentureOne card(Gold one) or maybe the Cash rewards. Any other suggestion on which Capital One card would be the best for me?

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Established Contributor
Posts: 792
Registered: ‎08-30-2011
0

Re: Best no AF Capital One card.

The XO will not PC your card. The most they can do is waive the AF, Cli and add rewards to your account.
Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Frequent Contributor
Posts: 496
Registered: ‎11-13-2012
0

Re: Best no AF Capital One card

With your scores and other cards I'd be looking for ways to get away from C1.  Your sig has util at 6.9%.  Killing those C1 cards would bump you to 7.8%.  Nothing to worry about.

 

My .02.


GangnamFICO wrote:

Because the chicks dig it when I throw down the card to the waiter and...it comes in handy if I'm short on cash until payday and need a short spot. AMEX gets the booty, and that's important when you're a Pirate.


Minor vulgarity edit --Rev



Valued Contributor
Posts: 1,910
Registered: ‎11-17-2012
0

Re: Best no AF Capital One card


SwiftTone wrote:

I'm about to email Capital One Executive office about a CLI and a PC. I currently have 2 Capital One cards, one with $1250 CL and the other with $1000. I'd like to keep the older one with 7% APR and close the other one. I'd like to get a CLI to atleast $5000-$6000 and PC to another type of account.

 

For this account I think I will be using it lightly. Right now I'm thinking of PCing to the VentureOne card(Gold one) or maybe the Cash rewards. Any other suggestion on which Capital One card would be the best for me?


Between the VentureOne and the Cash Rewards, I highly recommend the Cash Rewards! 1% cash back with a 50% bonus at the end of the year makes it like a 1.5% cash back card! VentureOne, which is 1.25% on everything, can't beat the Cash Rewards since you HAVE to redeem your points as statement credits towards travel.

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $13k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 759 EQ 704 TU 754 VantageScore 3.0: EX 746 EQ 747 TU 747 Credit Sesame (EX) 756 Credit.com (EX) 784
Established Contributor
Posts: 1,040
Registered: ‎02-27-2012
0

Re: Best no AF Capital One card


jake619 wrote:

With your scores and other cards I'd be looking for ways to get away from C1.  Your sig has util at 6.9%.  Killing those C1 cards would bump you to 7.8%.  Nothing to worry about.

 

My .02.


The main reason I want tot keep my Capital One cards is to help with utilization. Their total CL is $2250 right now. If I can get them to $5000 total CL or more, it'll benefit me.

 

AMEX: $0/$25,000, CSP: $0/$6500, Chase Priority Club: $0/$3500, Freedom: $0/$6000, Barclays NFL: $0/$7000 Discover: $0/$14,000, Citi Dividend: $0/$3500

EQ FICO - 728
TU FICO - 743
EX FICO(AMEX) - 712
Valued Contributor
Posts: 1,597
Registered: ‎09-15-2012
0

Re: Best no AF Capital One card

[ Edited ]

jake619 wrote:

With your scores and other cards I'd be looking for ways to get away from C1.  Your sig has util at 6.9%.  Killing those C1 cards would bump you to 7.8%.  Nothing to worry about.

 

My .02.


I don't see a reason to close a positive tradeline at 7%. 

 

Do you have any credit cards with rates at or below 6.9%? Unless you can make a better suggestion for the OP I would advise against recommending that any poster close a card at such a low rate, regardless of issuer. That card may really come in handy for emergencies someday. 

 

Good luck with your PC request!


In My Wallet: Amex BCP (12/12) $32,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600

Last App: April 2, 2014
Valued Contributor
Posts: 3,406
Registered: ‎12-19-2012
0

Re: Best no AF Capital One card

I agree. I say go for the Cash Rewards card! Mines has a $2500 limit. I have earned almost $100 cash back since July and given the rate I'm going, I should get at least $75 cash back as a 50% bonus this July which would bring my total cash back in a year to $225!
Cards: Orchard Bank ($1100) | Cap1 Cash Rewards ($2500) | Chase Freedom ($1000) | Best Buy ($2500) | Discover It ($1000) | Barclay Rewards ($2500) | Current scores: EX FAKO: 684, CK TU: 649, FICO EQ: 680, FICO TU: 698, FICO EX: 658 Happy Homeowner Since 2/6/13! :smileyhappy: Last App: 4/5/13 Gardening until July 2014
Super Contributor
Posts: 5,471
Registered: ‎12-11-2011
0

Re: Best no AF Capital One card

Why do so many people not seem to understand, adding rewards is a PC....

If you add cash rewards, you've been PCd to the green cash card... If you add travel rewards, you've been PCd to one of the venture cards.


I would go for cash rewards. Even if you travel a lot, 1.5 > 1.25
;
Moderator Emeritus
Posts: 4,875
Registered: ‎11-02-2010
0

Re: Best no AF Capital One card


jsucool76 wrote:
Why do so many people not seem to understand, adding rewards is a PC....

If you add cash rewards, you've been PCd to the green cash card... If you add travel rewards, you've been PCd to one of the venture cards.


I would go for cash rewards. Even if you travel a lot, 1.5 > 1.25

 

FWIW, my recent conversion from Platinum to Venture WAS a full-blown PC. I received a new card with the Venture design along with welcome materials for the Venture card. I don't know why some folks say that Cap1 won't do a PC, as it's obvious to me that they can do so if they choose to.


Current Scores: EQ 775 (03/04/2014), EX 756 (03/01/2014), TU 760 (03/01/2014)
Ruby Spade Garden Club Member - Last App: 03/04/2013 - No apps until 2014
Cards: Cap1 Venture 6.4k, Cap1 Quicksilver MC 1.75k, BankAmericard 1-2-3 Visa Signature - UCF Alumni Association 5k, Discover 7k, Citi Diamond Preferred MC 10.35k, Wells Fargo Rewards Visa 7k, Chase Freedom 5k, Chase Ink 7.5k, Amex Green NPSL, Dillard's Amex 7.5k, JC Penney 7.5k, Kay Jeweler's 5.1k
Super Contributor
Posts: 5,471
Registered: ‎12-11-2011
0

Re: Best no AF Capital One card

Same thing happened with mine tinu. Got the green card, and a whole paper "congratulating" me on my upgrade to the cash rewards card.

If only they would give me a wmc now. That is all I want from them. :smileytongue:
;
Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.