Thinking about applying for a prime card or two. Few questions.

[dragontears]

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@Anonymous wrote:

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@Cred90 wrote:
that's what I'm thinking. Either the capital one quicksilver or denture. I've had a relationship with them from my secured credit card for about four years now so I think they probably take that into consideration as well?

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I do believe so.  Have you tried seeing if they would switch your secured card to a unsecured line as well?  I would call them and see, and I would still apply for a QS as you can have multiple sub-prime accounts through Cap1

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Don't waste your time calling cap1 about the secured card, they do not unsecure their secured cards at all

[Anonymous]

Wow, I had no idea they didn't.  I've never had a secured card through anyone though.

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@dragontears wrote:

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@Anonymous wrote:

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@Cred90 wrote:
that's what I'm thinking. Either the capital one quicksilver or denture. I've had a relationship with them from my secured credit card for about four years now so I think they probably take that into consideration as well?

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I do believe so.  Have you tried seeing if they would switch your secured card to a unsecured line as well?  I would call them and see, and I would still apply for a QS as you can have multiple sub-prime accounts through Cap1

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Don't waste your time calling cap1 about the secured card, they do not unsecure their secured cards at all

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[Cred90]

Yes I've tried and even spoke with the executive office about on securing my card about a year ago. They couldn't do anything not even waste my $39 annual fee. Ridiculous. But I am definitely looking and applying for either the QS or venture. Do they come as a Visa or MasterCard in general?

[dragontears]

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@Cred90 wrote:
Yes I've tried and even spoke with the executive office about on securing my card about a year ago. They couldn't do anything not even waste my $39 annual fee. Ridiculous. But I am definitely looking and applying for either the QS or venture. Do they come as a Visa or MasterCard in general?

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They will come as VISA if you app for them directly (people do have MC versions of them but those came for PC's)

[Anonymous]

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@dragontears wrote:

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@Cred90 wrote:
Yes I've tried and even spoke with the executive office about on securing my card about a year ago. They couldn't do anything not even waste my $39 annual fee. Ridiculous. But I am definitely looking and applying for either the QS or venture. Do they come as a Visa or MasterCard in general?

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They will come as VISA if you app for them directly (people do have MC versions of them but those came for PC's)

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I don't think that's a hard and fast rule.  You can app for it directly and still have it come through as an MC without ever doing a PC.  I believe the distinction is that Visa's have higher SL's and are issued to those with higher credit scores. 

[Anonymous]

The QS MC is typically if it's the QS1. Venture is always visa if apped directly. QS is visa