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Just got Cap One - What next?

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TRC_WA
Senior Contributor

Re: Just got Cap One - What next?

Garden OP.

FICO8 current as of : 10-20-25 EQ: 736 TU: 728 EX: 722
Hard INQs last 12 months: EQ: 0 | TU: 0 | EX: 0
Verizon Visa $8500 Amex Delta Reserve $10,000 Care Credit $18,000
NFCU CashRewards $7500 Apple Card $7000 Best Buy $8000 Amazon $5000
NFCU auto loan (2022 Ford Bronco Sport Badlands - Cactus Gray) 6.95%
NFCU motorcycle loan (2024 Harley Davidson Road Glide - Alpine Green & Chrome) 9.45%
Total CL: $64,000 --- Total CC UTI: 31% --- AAoA: 6.5 years --- Income: $200k
Last app: 4-6-24
Message 11 of 15
Anonymous
Not applicable

Re: Just got Cap One - What next?

Congratulations! and yes, try to PC in about 6 months.  They like to see movement on the card so keep that in mind!!

Message 12 of 15
Anonymous
Not applicable

Re: Just got Cap One - What next?

The scores in my sig are my current scores. Cap one uses the set that say 2/5/4, the mortgage scores.
Message 13 of 15
Anonymous
Not applicable

Re: Just got Cap One - What next?


@Anonymous wrote:
Congrats on the approvals
Keep in mind that you cannot PC a QS1 to QS or a Venture One to Venture. Cap One does not PC MC to Visa or vice versa. You can however apply for a Siggy in the future. May I ask what your Fico scores were when approved for the V1?

I think I read you can PC a QS1 to a World MC?

 

When the time comes, maybe in 6 months, should I 

 

Try to PC to World MC

Apply for Venture

Apply for Quicksilver?

Message 14 of 15
Anonymous
Not applicable

Re: Just got Cap One - What next?

That all depends on how your credit profile looks. If you are in the 700+ area I think you can try. As far as PC to a World goes, yes you can. The easiest way I have seen people do it is by contacting the EO and asking they if they qualify for a WMC.
Message 15 of 15
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