topic Re: Should i dump them or no? in Credit Cards

Should i dump them or no?

GoodCredBen — Fri, 08 Aug 2014 14:20:15 GMT

SO .... i am wondering if i should dump my old Cap 1 cards for something newer? Preferrable not Crap1

I currently have 2 QuickSilver One cards : With very small balances on them .....

One opened August of 2012, the other opened August of 2010. (Each has a 40$ AF)

Cap1 - A	Aug-12	$146	This is an account in good standing	Credit Limit: 3500
Cap1 - B	Aug-10	$11	This is an account in good standing	Credit Limit: 3000

Currently my AAoA is ~3 years.

I want to get a better card that is well, only 1 card rather then having two empty cards i am paying AF on....

What would be a good rewards replacement for these cards?

My scores are as below ...

Thanks for the input!

Would it be best to keep these at the 80$/yr AF or get a new card that gives good rewards on travel that i wouldnt be embarassed to use.... and degrade my AAoA a little?

Re: Should i dump them or no?

BearsAndTurtlesRtheBest — Fri, 08 Aug 2014 14:21:43 GMT

Have you contacted EO for an CLI for an upgrade to World MC and AF removal?

Re: Should i dump them or no?

Anonymous — Fri, 08 Aug 2014 14:22:52 GMT

Have you tried contacting the EO to get the af removed, upgrade to the QS and a cli? Why would you be embarrassed to use it?

Re: Should i dump them or no?

GoodCredBen — Fri, 08 Aug 2014 14:22:53 GMT

they JUST PC these to the stupid quicksilver ONE a couple months aso.... they probably wont PC again so soon i dont think... when is that time frame?

Re: Should i dump them or no?

GoodCredBen — Fri, 08 Aug 2014 14:58:06 GMT

The quicksilver one card to me is think and junkey .... numbers are already wearing off..... looks cheap to be honest.... one of my cards has never been swiped and the numbers are wearing off.....

EDIT:

Also - the company i worked for had me get an amex back in 2008, if i was to join them, would i get backdated? It was a company card, but i still had to apply and all that junk.

Re: Should i dump them or no?

GoodCredBen — Fri, 08 Aug 2014 15:10:17 GMT

Are there any cards out there with some sweet bonus's without outrageous limitations like spending 10k in the first 3 months lol

Re: Should i dump them or no?

js0319 — Fri, 08 Aug 2014 15:31:09 GMT

You're eligible for a CLI every 6 months. You can contact Cap1 through Facebook, and they can more than likely reimburse you for the AF. With a $3k CL, you may be able to PC to the VentureOne card (no AF), or with a $5k CL you may be able to PC to the Venture card (AF). Signature versions must have a minimum of a $5k CL. I'd say you're not doing to bad if your limits are already over $3k.

Re: Should i dump them or no?

GoodCredBen — Fri, 08 Aug 2014 15:41:34 GMT

Well like i said, the limits arent the problem, the problem is the card itself and the AF....

I am probably just going to sit on them for now...... how often can you do PC again? I can kind of do the whole "I was told it was going to be quicksilver, not quicksilver one" deal

Re: Should i dump them or no?

driverr — Fri, 08 Aug 2014 16:45:31 GMT

Just contact them through facebook and ask for the af to be waived..I think lately cap one is doing better, just got a 2000 cli through luv button yesterday on my quicksilver one!

Re: Should i dump them or no?

Anonymous — Sat, 09 Aug 2014 12:22:48 GMT

@GoodCredBen wrote:
Well like i said, the limits arent the problem, the problem is the card itself and the AF....

I am probably just going to sit on them for now...... how often can you do PC again? I can kind of do the whole "I was told it was going to be quicksilver, not quicksilver one" deal

The EO said you can PC every 6 months, but sometimes they can help you PC sooner. If you can get the card CLI'd to 5k you might even be able to get the WMC version. I'd keep on them about the AF. I asked every single time that I contacted them, and I contacted them a lot since November, and eventually I went from the Plat to the QS1 and now I have the QS WMC. It is possible with persistence.

Re: Should i dump them or no?

lg8302ch — Sat, 09 Aug 2014 13:51:37 GMT

The rewards are not bad ! you won't find many cards that offer 1,5% on everything and are accepted everywhere. I would keep the cards and try to have the AF removed. As for the look you can have the cards with your own image and problem solved. I really only agree with the AF but otherwise the QS1 is the same as QS in terms of rewards and these are really not bad. At least this is how I see it.

Re: Should i dump them or no?

GoodCredBen — Thu, 14 Aug 2014 13:59:50 GMT

maybe i just need to get them to the Quocksilver with the no AF... i would be happy with that

Re: Should i dump them or no?

Anonymous — Mon, 18 Aug 2014 10:46:59 GMT

I would wait 4 more months (6 months required between PC), and change to regular QS cards. I read somewhere that if you get a custom image on the card, it will come with the numbers raised like a "regular" credit card. They will still be MCs though, not Visa.

Re: Should i dump them or no?

jamesdwi — Mon, 18 Aug 2014 11:54:22 GMT

@GoodCredBen wrote:
maybe i just need to get them to the Quocksilver with the no AF... i would be happy with that

get them changed to the AF version, setup auto-pay of a small bill, and then put them in your SD or safe deposit box, and let them age.

Re: Should i dump them or no?

taxi818 — Mon, 18 Aug 2014 13:28:40 GMT

ig8302chwrote:

Re: Should i dump them or no?

taxi818 — Mon, 18 Aug 2014 13:30:22 GMT

It amazes me when people credit gets a little better they think they are too good for cap 1.

In fact you are doing quite well 3500 and 3000 limit. The name on the card does it matter. It's credit geez.

Re: Should i dump them or no?

Anonymous — Mon, 18 Aug 2014 14:00:03 GMT

@taxi818 wrote:
It amazes me when people credit gets a little better they think they are too good for cap 1.
In fact you are doing quite well 3500 and 3000 limit. The name on the card does it matter. It's credit geez.

In the OP's case, it does matter because each card has an AF. Also, I'm thinking maybe they're sub prime(I could very well be wrong about this). IMO, upgrading to reg QS is the best option, and the CLI are soft.

Re: Should i dump them or no?

taxi818 — Mon, 18 Aug 2014 14:06:11 GMT

Due you even know what subprime means.
Yes many if their cards are sub prime. People with score under 680. But many are prime time. Venture and quicksilver. You think that 39 af means something? You will earn that. 6 times over. Try and justify amex. Platinum af. 450. Yikes. Weak argument. My point still remains.

Re: Should i dump them or no?

taxi818 — Mon, 18 Aug 2014 14:09:01 GMT

Note. He can also PC to qs as other poster said. It will still be a cap 1. Not all their cards are subprime. Us the point. But you will never know if you cancel because your score increased.

Re: Should i dump them or no?

Anonymous — Mon, 18 Aug 2014 14:27:12 GMT

@taxi818 wrote:
Due you even know what subprime means.
Yes many if their cards are sub prime. People with score under 680. But many are prime time. Venture and quicksilver. You think that 39 af means something? You will earn that. 6 times over. Try and justify amex. Platinum af. 450. Yikes. Weak argument. My point still remains.

First, let me be clear. Prime or sub prime: the difference could mean a low APR or one that's through the roof. I could care less about lender as long as they treat me right and I can get a decent credit line with some decent rewards. I have no issue whatsoever with Cap 1. But this is not about me. This is about the OP and whatever issue they might have with Cap 1. I was merely suggesting that IF the card was sub prime, that might be their sticking point, as I've read in other forums that lenders look for sub prime and count that against you. Second, yes that $39 AF means a whole lot for two cards which have non AF counterparts which have the EXACT SAME BENEFITS. My point was never an argument and it still stands.