Up until last week (for about 6 months or so), I wasn't getting any CAP1 pre-qual offers. Today I checked and bam!!! If I wasn't gardening, I'd take my chance and app because I have a QS card now and the APR is 23.15%. Then I would wait when the new account is 6 months and combine them. They even offered me a Venture too with the same APR. I have a venture also. Hmmm I wonder what changed to spark the pre-qual?
Primary Benefit
Earn unlimited 1.5% cash back on every purchase, plus a one-time $100 bonus once you spend $500 on purchases within the first 3 months.
Purchase APR
0% intro APR until November 2016; 18.24% variable APR after that
Transfer Information
0% intro APR until November 2016; 18.24% variable APR after that; 3% fee on the amount transferred until November 2016
Can you get them to lower the APR on your current QS?
@DoroLucky wrote:Up until last week (for about 6 months or so), I wasn't getting any CAP1 pre-qual offers. Today I checked and bam!!! If I wasn't gardening, I'd take my chance and app because I have a QS card now and the APR is 23.15%. Then I would wait when the new account is 6 months and combine them. They even offered me a Venture too with the same APR. I have a venture also. Hmmm I wonder what changed to spark the pre-qual?
Primary BenefitEarn unlimited 1.5% cash back on every purchase, plus a one-time $100 bonus once you spend $500 on purchases within the first 3 months.Purchase APR0% intro APR until November 2016; 18.24% variable APR after thatTransfer Information0% intro APR until November 2016; 18.24% variable APR after that; 3% fee on the amount transferred until November 2016
Haven't tried, but I will ask them because my score are farrrr better now then it was back then. Thanks
EDIT: SCORE not scare
I asked and got it lowered to 20.15% for both my QS and Venture, I took it.