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Capital One Quicksilver or Venture

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Frequent Contributor

Capital One Quicksilver or Venture

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

Message 1 of 13
12 REPLIES 12
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Senior Contributor

Re: Capital One Quicksilver or Venture

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! ☺
Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
Message 2 of 13
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Super Contributor

Re: Capital One Quicksilver or Venture

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.

Message 3 of 13
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Frequent Contributor

Re: Capital One Quicksilver or Venture

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.

Message 4 of 13
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Super Contributor

Re: Capital One Quicksilver or Venture


@mandm5698 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..

Message 5 of 13
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New Contributor

Re: Capital One Quicksilver or Venture


@Bella007 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.

Chase Freedom Unlimited | Chase Freedom | Chase Sapphire Preferred | Chase Slate | Chase Amazon Prime | PenFed Power Cash Rewards | CapitalOne Quicksilver | Discover It | Kohls | Goldman Sachs Apple Card | Citi Costco
Message 6 of 13
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Senior Contributor

Re: Capital One Quicksilver or Venture


@zmon wrote:

@Bella007 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. Smiley Happy

Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
Message 7 of 13
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Senior Contributor

Re: Capital One Quicksilver or Venture


@Yes-Its-Me 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.Smiley Happy

Current Scores: EQ 679;TU 647; EX 679 Gardening since 11/7/18
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015
Message 8 of 13
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Valued Contributor

Re: Capital One Quicksilver or Venture


@Bella007 wrote:

@zmon wrote:

@Bella007 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. Smiley Happy


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.

Amex Green • Amex BCP • Amex HH (Aspire®) • Barclay Rewards • Chase World of Hyatt • Chase FU • Capital One Quicksilver • Discover it • PENFED Platinum Rewards • Marvel MC • Amazon Store • Kohls Store • CL $109,330 • Car Loan (PENFED) 1.99% PAID

FICO® 8 Scores 805-812 FICO® 9 Equifax 822
Message 9 of 13
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Valued Contributor

Re: Capital One Quicksilver or Venture

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.

More cards than I can mention in a signature.
Message 10 of 13
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