Which cards should I apply for?

[Anonymous]

Did you try cap 1 pre qual?

No they don't have af.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?

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Ventures have AF but you can downgrade to Venture1 before AF posts.  You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.

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mtg, did you mean upgrade?  So you don't have to pay teh fee when you get the card?

[Creditaddict]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?

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Ventures have AF but you can downgrade to Venture1 before AF posts.  You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.

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mtg, did you mean upgrade?  So you don't have to pay teh fee when you get the card?

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Quicksilver and Venture 1 don't have AF which is why I suggested them.

and if you use Uber, Uber and Cap1 Quicksilver offer 20% off ALL transactions!!! really adds up!

[Anonymous]

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@Anonymous wrote:
Did you try cap 1 pre qual?

No they don't have af.

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I just did the pre approval and the Platinum (0% fee first year, $19 after that), and Quick Silver 1 ($39 annual fee) came up. I'm sure I will get better offers once the 3 pfd's come off my report.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?

---

Ventures have AF but you can downgrade to Venture1 before AF posts.  You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.

---

mtg, did you mean upgrade?  So you don't have to pay teh fee when you get the card?

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No, i meant downgrade...if you get the venture which has AF, you can downgrade to Venture 1 non-AF.  Most people like me get the venture AF because you get 2x points, spend $3k and get 40k points...with Venture1, you only get 1.5 points, have to spend $1k and get 20k points.  It wll depend on how much you spend/month.

[Anonymous]

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@Creditaddict wrote:

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@Anonymous wrote:

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@Anonymous wrote:

---

@Anonymous wrote:

thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?

---

Ventures have AF but you can downgrade to Venture1 before AF posts.  You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.

---

mtg, did you mean upgrade?  So you don't have to pay teh fee when you get the card?

---

Quicksilver and Venture 1 don't have AF which is why I suggested them.

and if you use Uber, Uber and Cap1 Quicksilver offer 20% off ALL transactions!!! really adds up!

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No, I don't use Uber, but that's good to know.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

---

@Anonymous wrote:

---

@Anonymous wrote:

thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?

---

Ventures have AF but you can downgrade to Venture1 before AF posts.  You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.

---

mtg, did you mean upgrade?  So you don't have to pay teh fee when you get the card?

---

No, i meant downgrade...if you get the venture which has AF, you can downgrade to Venture 1 non-AF.  Most people like me get the venture AF because you get 2x points, spend $3k and get 40k points...with Venture1, you only get 1.5 points, have to spend $1k and get 20k points.  It wll depend on how much you spend/month.

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ok,  you can tell I'm pretty new to the card biz, but talk like this really helps. I have only had my current cards for 2 months.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

thanks addict, any method to the madness there? Don't those Cap cards have an annual fee?

---

Ventures have AF but you can downgrade to Venture1 before AF posts.  You can get 2 Cap1 cards (if approved) with only 1 HP/per CB...but you have to apply same day.

---

mtg, did you mean upgrade?  So you don't have to pay teh fee when you get the card?

---

No, i meant downgrade...if you get the venture which has AF, you can downgrade to Venture 1 non-AF.  Most people like me get the venture AF because you get 2x points, spend $3k and get 40k points...with Venture1, you only get 1.5 points, have to spend $1k and get 20k points.  It wll depend on how much you spend/month.

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ok,  you can tell I'm pretty new to the card biz, but talk like this really helps. I have only had my current cards for 2 months.

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No worries...how much do you spend per month on things/bills you can pay with a credit card?

[Creditaddict]

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@Anonymous wrote:

---

@Anonymous wrote:
Did you try cap 1 pre qual?

No they don't have af.

---

I just did the pre approval and the Platinum (0% fee first year, $19 after that), and Quick Silver 1 ($39 annual fee) came up. I'm sure I will get better offers once the 3 pfd's come off my report.

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oh well don't apply until they come off your report!

[Anonymous]

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@Creditaddict wrote:

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@Anonymous wrote:

---

@Anonymous wrote:
Did you try cap 1 pre qual?

No they don't have af.

---

I just did the pre approval and the Platinum (0% fee first year, $19 after that), and Quick Silver 1 ($39 annual fee) came up. I'm sure I will get better offers once the 3 pfd's come off my report.

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oh well don't apply until they come off your report!

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Trust me, I'm not.