topic Re: What to do capital one in Credit Cards

What to do capital one

Anonymous — Fri, 07 Aug 2015 00:42:03 GMT

I currently have 3 cap 1 cards. They are quicksilver 1, platinum pc'd to QuickSilver MasterCard, and venture. I got the platinum and qs1 when I was rebuilding. I really don't use them anymore. Just use the venture.

My question is this..... Should I apply for the qs visa, and in 6 months close the 2 rebuilders, and combine the limits to the qs? I have no use for 3 Capitol one cards. Especially rebuilders. I just got the venture on July 21st, so I have no pre quals popping up. Should I wait to get the pre qual, or cold app?

Currently 9% util 3 inq tu 4eq and 8 ex.
Aaoa 3 years 6+ year old judgement

On July 21 I was approved for Amex ED 3,000 citi dc 1,200 and venture 5,000. I also just got a cli on care credit 3,200. None have reported yet. EX 692, TU 714 EQ 693

Re: What to do capital one

kdm31091 — Fri, 07 Aug 2015 01:00:18 GMT

@Anonymous wrote:
I currently have 3 cap 1 cards. They are quicksilver 1, platinum pc'd to QuickSilver MasterCard, and venture. I got the platinum and qs1 when I was rebuilding. I really don't use them anymore. Just use the venture.

My question is this..... Should I apply for the qs visa, and in 6 months close the 2 rebuilders, and combine the limits to the qs? I have no use for 3 Capitol one cards. Especially rebuilders. I just got the venture on July 21st, so I have no pre quals popping up. Should I wait to get the pre qual, or cold app?

Currently 9% util 3 inq tu 4eq and 8 ex.
Aaoa 3 years 6+ year old judgement

On July 21 I was approved for Amex ED 3,000 citi dc 1,200 and venture 5,000. I also just got a cli on care credit 3,200. None have reported yet. EX 692, TU 714 EQ 693

Your question starts with "should I apply" and the answer is no because you are gardening

This is nothing that can't wait. Just let your Venture age, show history and you can get a QS down the line.

EDITED - Yeah I just noticed you have a QS MC...so I see definitely no reason to app for the Visa. Just consolidate the QS1 into the QS like Sunrise suggested. No reason to waste 3 HPs on a new card.

Re: What to do capital one

SunriseEarth — Fri, 07 Aug 2015 00:58:43 GMT

@Anonymous wrote:
I currently have 3 cap 1 cards. They are quicksilver 1, platinum pc'd to QuickSilver MasterCard, and venture. I got the platinum and qs1 when I was rebuilding. I really don't use them anymore. Just use the venture.

My question is this..... Should I apply for the qs visa, and in 6 months close the 2 rebuilders, and combine the limits to the qs? I have no use for 3 Capitol one cards. Especially rebuilders. I just got the venture on July 21st, so I have no pre quals popping up. Should I wait to get the pre qual, or cold app?

Currently 9% util 3 inq tu 4eq and 8 ex.
Aaoa 3 years 6+ year old judgement

On July 21 I was approved for Amex ED 3,000 citi dc 1,200 and venture 5,000. I also just got a cli on care credit 3,200. None have reported yet. EX 692, TU 714 EQ 693

If you already have a QS MC, why get a QS Visa? Why not just consolidate the QS1 into your QS?

Re: What to do capital one

Anonymous — Fri, 07 Aug 2015 00:59:46 GMT

Your question starts with "should I apply" and the answer is no because you are gardening >>> Must be pot calling kettle black day I forgot to mark my calendar

Re: What to do capital one

Anonymous — Fri, 07 Aug 2015 01:01:52 GMT

Since there's no functional difference between the QS Visa and the QS Mastercard, why not just fold the limit from your QS1 in to your existing QS?

Edit: Crap! Sunrise beat me to it. Gawd I suck at typing.

Re: What to do capital one

kdm31091 — Fri, 07 Aug 2015 01:01:33 GMT

@Anonymous wrote:
Your question starts with "should I apply" and the answer is no because you are gardening >>> Must be pot calling kettle black day I forgot to mark my calendar

Hahaha, yes I know. I'm being a hypocrite. Still, OP really does need to garden IMO.

Re: What to do capital one

Shooting-For-800 — Fri, 07 Aug 2015 01:05:49 GMT

I would wait until Sept 1 and apply for a Siggy QS.

Chances are you will get approved if you have 5k venture.

Then combine and close the small cards.

Re: What to do capital one

Anonymous — Fri, 07 Aug 2015 01:31:02 GMT

Because it's a rebuilder card and it's not the same as a signature visa. Ok so I will keep qs m/c and close out the platinum. After gardening for a few months, I will get the visa. 😉

Re: What to do capital one

Anonymous — Fri, 07 Aug 2015 01:32:02 GMT

@Shooting-For-800 wrote:
I would wait until Sept 1 and apply for a Siggy QS.

Chances are you will get approved if you have 5k venture.

Then combine and close the small cards.

You sure have a lot of Quicksilvers.

Re: What to do capital one

kdm31091 — Fri, 07 Aug 2015 01:33:07 GMT

@Anonymous wrote:
Because it's a rebuilder card and it's not the same as a signature visa. Ok so I will keep qs m/c and close out the platinum. After gardening for a few months, I will get the visa. 😉

Is your QS MC the one with the fee or no? If there's no fee, it is the same thing as a QS Visa (and btw...applying for the QS Visa does not guarantee getting a Visa Signature, even though the picture on the site shows it)

Re: What to do capital one

Anonymous — Fri, 07 Aug 2015 01:35:59 GMT

Tuolumne, I have qs1 and qs was a product change. 😊

Re: What to do capital one

Anonymous — Fri, 07 Aug 2015 01:37:07 GMT

KDM, I've hit a wall with cli's on both qs 's. I assume because they are rebuilders.

Re: What to do capital one

kdm31091 — Fri, 07 Aug 2015 01:38:38 GMT

@Anonymous wrote:
KDM, I've hit a wall with cli's on both qs 's. I assume because they are rebuilders.

I would still wait on the app for the QS if that's what you decide to do, since your Venture is new.

Re: What to do capital one

Anonymous — Fri, 07 Aug 2015 01:40:11 GMT

I will app in nov. accounts will be a year and several inq gone. 😁

Re: What to do capital one

OmarGB9 — Fri, 07 Aug 2015 04:24:14 GMT

Hi Kay! I think you know what I'm gonna say lol. Garden!

Re: What to do capital one

Shooting-For-800 — Fri, 07 Aug 2015 13:33:12 GMT

"You sure have a lot of Quicksilvers."

Yea. I like cash back. My Venture One even pays me 1.5% cash back.

I get almost $100 back each month with no annual fees.

Re: What to do capital one

kdm31091 — Fri, 07 Aug 2015 13:34:30 GMT

@Shooting-For-800 wrote:
"You sure have a lot of Quicksilvers."

Yea. I like cash back. My Venture One even pays me 1.5% cash back.

I get almost $100 back each month with no annual fees.

No, the Venture One pays 1.25% (for travel/gift card redemptions only).

Re: What to do capital one

Shooting-For-800 — Fri, 07 Aug 2015 13:39:41 GMT

@kdm31091 wrote:
@Shooting-For-800 wrote:
"You sure have a lot of Quicksilvers."

Yea. I like cash back. My Venture One even pays me 1.5% cash back.

I get almost $100 back each month with no annual fees.
No, the Venture One pays 1.25% (for travel/gift card redemptions only).

No!

MY Venture pays 1.5% cash back.

It was covertered from Platinum and that is what we agreed on.

Re: What to do capital one

kdm31091 — Fri, 07 Aug 2015 13:40:15 GMT

@Shooting-For-800 wrote:
@kdm31091 wrote:
@Shooting-For-800 wrote:
"You sure have a lot of Quicksilvers."

Yea. I like cash back. My Venture One even pays me 1.5% cash back.

I get almost $100 back each month with no annual fees.
No, the Venture One pays 1.25% (for travel/gift card redemptions only).
No! MY Venture pays 1.5% cash back. It was covertered from Platinum and that is what we agreed on.

I have never heard of a Venture that pays 1.5% cash back. Venture One is 1.25% , Venture is 2% but not really "cash back" because the redemption is restricted unless you redeem against travel or for gift cards. I didn't think they just changed what the product pays out just because it was a PC.

Are you sure you aren't saying your Quicksilver pays 1.5%?

Re: What to do capital one

Shooting-For-800 — Fri, 07 Aug 2015 14:27:46 GMT

Every one of my Capital One cards pays 1.5% cash back.

It went from Platinum to Rewards to Venture One.

I rarely travel, that is why I do not have a regular Venture.

I know what you are saying, but I know what my cards do.

Perhaps it was because I had a Plat converted to QS already?

I do not know, but yes, they all pay 1.5% cash.

CapOne does some odd things.

Could not get a CLI on my $1k Sony Visa, so I closed it. Applied for new card and got a $10k QS Siggy.

Could not get a CLI on my $3.5k Visa, so I closed it. Applied for a new card and got another $10k QS Siggy.

Odd.