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What are my chances?
I have 2 QS 1's (one $300 CLI to $400 Luv button in 3 months, Auto CLI to $750 6 month mark - September 5th will be 9 Months), the other QS1 is almost two months old $300 - $0 balance on both (PIF every month).
I have NFCU cash rewards $2,100 instant will be 3 months end of Oct.
BofA - 99/500 secured
10 Commenity SCT Cards:
Pottery Barn - $2,500
Frontgate - $1,000
OS - $1,000
Wayfair - $1,000
VS - $350
Loft - $500
J Crew - $250
Williams-Sonoma $1,000
Talbots - $300 - this was in store HP
Boscovs - $1,000
Today, received email "you are pre-approved for a Bon-Ton Card" there was no Pre-approval code on the email. I don't want anymore store cards
I use one or two cards at once and PIF - leaving one small balance on one. No balance ever on BofA, QS1 or NFCU
Scores as of today - all Fico 8 (MyFico and CCT)
EX:639
EQ:614
TU:609
How old is your credit file? That is alot of store cards and hope you don't plan on getting more. Based on your limits and scores, I'd hold off on th Venture card if I were in your shoes.
Thank you. Credit file is old, but AAoA is now 3.5 because of all of the new accounts since June. I'm trying to lay low. I may just hang tight and CLI my NFCU end of October.
@Anonymous wrote:Thank you. Credit file is old, but AAoA is now 3.5 because of all of the new accounts since June. I'm trying to lay low. I may just hang tight and CLI my NFCU end of October.
That is a good idea thus, hanging tight. Let everything age a bit before applying for something new..
@Anonymous wrote:
If you could use the $400 in travel rewards on the Venture, go for that one then PC it to a QS when you're ready. Otherwise, just go for the QS. Also, Venture is Visa and QS is MC in case that affects which you would prefer. Good luck either way! ☺
Isn't the QS a Visa card? I recall the PC'd QS's are MC.
@Anonymous wrote:
@Anonymous wrote:
If you could use the $400 in travel rewards on the Venture, go for that one then PC it to a QS when you're ready. Otherwise, just go for the QS. Also, Venture is Visa and QS is MC in case that affects which you would prefer. Good luck either way! ☺Isn't the QS a Visa card? I recall the PC'd QS's are MC.
QS used to come in either, but now if you app it's a WEMC. But you can get a Visa Signature by apping the Venture then PC to QS. Cap1 likes to keep us all on our toes.
@Anonymous wrote:How old is your credit file? That is alot of store cards and hope you don't plan on getting more. Based on your limits and scores, I'd hold off on th Venture card if I were in your shoes.
+1
Sorry, I was on my phone and must've skimmed over your scores. Good advice here on holding off.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
If you could use the $400 in travel rewards on the Venture, go for that one then PC it to a QS when you're ready. Otherwise, just go for the QS. Also, Venture is Visa and QS is MC in case that affects which you would prefer. Good luck either way! ☺Isn't the QS a Visa card? I recall the PC'd QS's are MC.
QS used to come in either, but now if you app it's a WEMC. But you can get a Visa Signature by apping the Venture then PC to QS. Cap1 likes to keep us all on our toes.
I just got a replacemnt, it's just a regular Visa. Not even signature. 10k CL but it was small at one point, maybe that's why.
I am not sure why you want another Quicksilver as you already have two. I would hold off getting any new cards until your credit scores increase. You have plenty of cards now. I got a prequalify offer from Cap 1 for Venture when my Equifax went over 710. I was showing pre-qualifys for Quicksilvers with my scores in the 500's.