@Anonymous wrote:
Also, EX really should be deleting the repo very shortly (it previously stated in a note on my report that it would be removed April 2016, but the note has since dissappeared...the other two agencies have already removed it, but 7 yrs counting from the last payment date isn't actually up for a few months, so I'm concerned that they realized this and removed the note for this reason, not sure).
I'll let others 'chime in' with their opinions/advice on if you should 'pull the trigger' or not, but I do have a data point for you regarding EX. My single remaining 'baddie' (account paid for less than full amount) was 'noted' that it would be removed 3/2016, but as of a few days ago it's still there as well. I'm not disputing it since at a glance it is probably supposed to report until May or June (just like in your situation), but it was a letdown nonetheless when March came and went and the account was still there in spite of the notation.
Like others have mentioned you will likely be fine for an approval with your EX score where it is now, but your starting credit line might (?) be higher if you wait. I'm having a similar internal debate at the moment myself... there's definitely a possible trade-off.
Good luck whatever you decide! 
@UncleB wrote:
@Anonymous wrote:
Also, EX really should be deleting the repo very shortly (it previously stated in a note on my report that it would be removed April 2016, but the note has since dissappeared...the other two agencies have already removed it, but 7 yrs counting from the last payment date isn't actually up for a few months, so I'm concerned that they realized this and removed the note for this reason, not sure).
I'll let others 'chime in' with their opinions/advice on if you should 'pull the trigger' or not, but I do have a data point for you regarding EX. My single remaining 'baddie' (account paid for less than full amount) was 'noted' that it would be removed 3/2016, but as of a few days ago it's still there as well. I'm not disputing it since at a glance it is probably supposed to report until May or June (just like in your situation), but it was a letdown nonetheless when March came and went and the account was still there in spite of the notation.
Like others have mentioned you will likely be fine for an approval with your EX score where it is now, but your starting credit line might (?) be higher if you wait. I'm having a similar internal debate at the moment myself... there's definitely a possible trade-off.
Good luck whatever you decide!
Ah interesting - thanks for sharing, that's good to know. I actually did dispute it last month, which in retrospect was probably dumb, since the other agencies had already removed it. I assume that perhaps that led them to double-check the time since the last payment and that's why the note saying it would be removed this month disappeared 
Thinking it'll be there until June or so now.
One more Q - since I just had a significant CLI on the Cap1 QS1 ($2.25k to $4.25k) this week, I may wait at least until later this week, which is typically when Cap One reports to agencies for me. Can't hurt to have the higher CL reported first, right?
@Anonymous wrote:
@UncleB wrote:
@Anonymous wrote:
Also, EX really should be deleting the repo very shortly (it previously stated in a note on my report that it would be removed April 2016, but the note has since dissappeared...the other two agencies have already removed it, but 7 yrs counting from the last payment date isn't actually up for a few months, so I'm concerned that they realized this and removed the note for this reason, not sure).
I'll let others 'chime in' with their opinions/advice on if you should 'pull the trigger' or not, but I do have a data point for you regarding EX. My single remaining 'baddie' (account paid for less than full amount) was 'noted' that it would be removed 3/2016, but as of a few days ago it's still there as well. I'm not disputing it since at a glance it is probably supposed to report until May or June (just like in your situation), but it was a letdown nonetheless when March came and went and the account was still there in spite of the notation.
Like others have mentioned you will likely be fine for an approval with your EX score where it is now, but your starting credit line might (?) be higher if you wait. I'm having a similar internal debate at the moment myself... there's definitely a possible trade-off.
Good luck whatever you decide!
Ah interesting - thanks for sharing, that's good to know. I actually did dispute it last month, which in retrospect was probably dumb, since the other agencies had already removed it. I assume that perhaps that led them to double-check the time since the last payment and that's why the note saying it would be removed this month disappeared
One more Q - since I just had a significant CLI on the Cap1 QS1 ($2.25k to $4.25k) this week, I may wait at least until later this week, which is typically when Cap One reports to agencies for me. Can't hurt to have the higher CL reported first, right?
There's probably no harm done by your dispute, and in any case since the item has already been removed by the other two bureaus it was worth a shot, right? In my own case the other two bureaus are still showing my baddie, so that's why I didn't bother with a dispute myself.
The higher QS1 credit line certainly won't hurt, and might even help if your utilization is borderline (if utilization isn't a factor, I wouldn't be too concerned about it). I suspect one of your main concerns is getting in on the HHonors promo... if that's the case I would probably pay close attention to the expiration date for that as well as everything else.
(Side note: At the risk of taking the thread off-topic, if you were able to get your QS1 to $4.25k recently you can likely get them to upgrade it to a no-AF QS account. The account number and age will remain the same, but they will no longer charge you an annual fee. I got mine converted just a couple of months ago.) 
(Side note: At the risk of taking the thread off-topic, if you were able to get your QS1 to $4.25k recently you can likely get them to upgrade it to a no-AF QS account. The account number and age will remain the same, but they will no longer charge you an annual fee. I got mine converted just a couple of months ago.)
I was actually wondering this as well, since the QS1 is my much older account (vs. the QS w/ the higher limit), and I wanted to do an account combination with them, keeping the older QS1 and PC'ing into QS to avoid the fee. I did go ahead and try the online chat with a CSR to ask about any chance to upgrade to a QS a day or two after receiving the increase, but he said there was no offer available. Is calling in over the phone as well worth it? I'd like to do the PC first before trying the account combination, b/c I don't want to get rid of the QS1 account in the combination since it's older, and I don't want to combine into the QS1 and then lose my QS and have to pay the fee.
@Anonymous wrote:
(Side note: At the risk of taking the thread off-topic, if you were able to get your QS1 to $4.25k recently you can likely get them to upgrade it to a no-AF QS account. The account number and age will remain the same, but they will no longer charge you an annual fee. I got mine converted just a couple of months ago.)
I was actually wondering this as well, since the QS1 is my much older account (vs. the QS w/ the higher limit), and I wanted to do an account combination with them, keeping the older QS1 and PC'ing into QS to avoid the fee. I did go ahead and try the online chat with a CSR to ask about any chance to upgrade to a QS a day or two after receiving the increase, but he said there was no offer available. Is calling in over the phone as well worth it? I'd like to do the PC first before trying the account combination, b/c I don't want to get rid of the QS1 account in the combination since it's older, and I don't want to combine into the QS1 and then lose my QS and have to pay the fee.
I'm in exactly the same boat... my previous QS1/now QS is one of my oldest accounts (nine years) and there was no way I wanted to close it, but I didn't want to pay the AF again, either.
Around the end of December I was told there was "no offer" as well - just as I had been told numerous times before - but when I tried via chat around a month later there was an offer to PC to either a QS or a Venture One (the QS is clearly better). My AF wouldn't have been due until July, and my intentions were to try via chat monthly until the fee came due; thankfully it didn't come to that. As far as I know, the chat reps have access to the exact same information and offers as the phone reps (I've tried both) so I don't think there's a difference.
I'll also add one more thing that might be important to you... if you get the credit line on your QS1 to $5k or higher before you get the PC, when you do finally get it changed to a QS it will likely come as a 'World' MasterCard instead of the 'Platinum' level card you have now (many others have reported this). My credit line is $3.9, and since my CLIs have only been $1k the last couple of times I wouldn't have broken the $5k threshold before the AF came due again, and I value saving $79 more than getting the 'World' designation since it would be of little value to me. (My card started off as HSBC/Orchard bank, thus the high AF.) However if the 'World' designation is important to you, you might not want to pursue the PC until your credit line is over $5k either by CLIs or by combining another card into the QS1.
Also, FWIW (I have both a QS Visa Signature and a newly-upgraded QS MasterCard) I don't get the same BT offers on both cards. The QS Visa is always getting offers for 0% for a year with a 3% fee, but the QS MasterCard only has offers for a no-fee transfer at the usual APR (no promo rate), which at times is useful as well. If you value the BT offers on your QS Visa, you might not want to combine it with your QS1 MasterCard anyway - I actually don't plan to myself. I will app later on for a Venture, and after the requisite time passes combine the Venture's credit line into the QS MasterCard to give it a bump, but I'm leaving my QS Visa alone.
@UncleB wrote:
@Anonymous wrote:
(Side note: At the risk of taking the thread off-topic, if you were able to get your QS1 to $4.25k recently you can likely get them to upgrade it to a no-AF QS account. The account number and age will remain the same, but they will no longer charge you an annual fee. I got mine converted just a couple of months ago.)
I was actually wondering this as well, since the QS1 is my much older account (vs. the QS w/ the higher limit), and I wanted to do an account combination with them, keeping the older QS1 and PC'ing into QS to avoid the fee. I did go ahead and try the online chat with a CSR to ask about any chance to upgrade to a QS a day or two after receiving the increase, but he said there was no offer available. Is calling in over the phone as well worth it? I'd like to do the PC first before trying the account combination, b/c I don't want to get rid of the QS1 account in the combination since it's older, and I don't want to combine into the QS1 and then lose my QS and have to pay the fee.
I'm in exactly the same boat... my previous QS1/now QS is one of my oldest accounts (nine years) and there was no way I wanted to close it, but I didn't want to pay the AF again, either.
Around the end of December I was told there was "no offer" as well - just as I had been told numerous times before - but when I tried via chat around a month later there was an offer to PC to either a QS or a Venture One (the QS is clearly better). My AF wouldn't have been due until July, and my intentions were to try via chat monthly until the fee came due; thankfully it didn't come to that. As far as I know, the chat reps have access to the exact same information and offers as the phone reps (I've tried both) so I don't think there's a difference.
I'll also add one more thing that might be important to you... if you get the credit line on your QS1 to $5k or higher before you get the PC, when you do finally get it changed to a QS it will likely come as a 'World' MasterCard instead of the 'Platinum' level card you have now (many others have reported this). My credit line is $3.9, and since my CLIs have only been $1k the last couple of times I wouldn't have broken the $5k threshold before the AF came due again, and I value saving $79 more than getting the 'World' designation since it would be of little value to me. (My card started off as HSBC/Orchard bank, thus the high AF.) However if the 'World' designation is important to you, you might not want to pursue the PC until your credit line is over $5k either by CLIs or by combining another card into the QS1.
Also, FWIW (I have both a QS Visa Signature and a newly-upgraded QS MasterCard) I don't get the same BT offers on both cards. The QS Visa is always getting offers for 0% for a year with a 3% fee, but the QS MasterCard only has offers for a no-fee transfer at the usual APR (no promo rate), which at times is useful as well. If you value the BT offers on your QS Visa, you might not want to combine it with your QS1 MasterCard anyway - I actually don't plan to myself. I will app later on for a Venture, and after the requisite time passes combine the Venture's credit line into the QS MasterCard to give it a bump, but I'm leaving my QS Visa alone.
All of that is super helpful, thanks for the reply! I suppose I can just do the combination first, then, to pass the $5k threshold because why not, and then work on the PC. My AF is only $39, and they've waived it for me twice in a row so far anyway. For me, it's just a little more convenient to only have one account with them and I'd also like the much higher combined limit on my report.