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Cap One QS Rewards Visa approval on prequalify - biggest starting CL yet (in fact, biggest CL yet)!

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Valued Contributor

Cap One QS Rewards Visa approval on prequalify - biggest starting CL yet (in fact, biggest CL yet)!

I checked my Capital One prequalification offers yesterday and got a single-figure APR offer (19.24%) on a Quicksilver Rewards Visa, with 0% APR for the first 9 months, 3% BT fee in the same period, and $150 back on my first $500 spend in the first 3 months. I thought about it overnight, discussed it a bit in Credit Cards (I was thinking of BT'ing my current QS MC balance but unfortunately can't do that), thought about it some more since I do have a couple of other balances that could do with a lower APR, then decided to go ahead and apply.

 

Approved - $10K starting CL. This is the biggest starting CL I've had on any card since I began rebuilding my CL portfolio - in fact, this new card is now the biggest CL of all my cards (Penfed is now #2 at $7K)!!! With a CL this big and an APR that's among the best I have at this time, I can now consolidate several cards and save some money!

 

EDIT: That was fast - my new account has already been added to my Cap One summary, though of course the card won't arrive for another week to 10 days yet.

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 1 of 8
7 REPLIES 7
Regular Contributor

Re: Cap One QS Rewards Visa approval on prequalify - biggest starting CL yet (in fact, biggest CL ye

Congrats thats a great CL!

Message 2 of 8
Valued Member

Re: Cap One QS Rewards Visa approval on prequalify - biggest starting CL yet (in fact, biggest CL ye

Congrats, Capital One hates me in regards to starting credit lines.

FICO 8 EX 768 | TU 771 | EQ 773







Message 3 of 8
Valued Contributor

Re: Cap One QS Rewards Visa approval on prequalify - biggest starting CL yet (in fact, biggest CL ye

Congrats!

Cap One can be very generous.

Loyalty matters!

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $300k+ unsecured credit in 2019.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

10% Rotating - Discover                    5%-20% - Amazon & Lowes                3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl         4% Dining & Entertain - Savor            3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything Else - Flagship          1% Cancer Charity - Fifth Third          0% Finance Promos - Venture & QuickSilver





        
Message 4 of 8
Established Contributor

Re: Cap One QS Rewards Visa approval on prequalify - biggest starting CL yet (in fact, biggest CL ye

Great share! Keep up the good work Robot Very Happy


Message 5 of 8
Super Contributor

Re: Cap One QS Rewards Visa approval on prequalify - biggest starting CL yet (in fact, biggest CL ye

Congratulations! That's a nice SL!






Message 6 of 8
Valued Contributor

Re: Cap One QS Rewards Visa approval on prequalify - biggest starting CL yet (in fact, biggest CL ye

Capital One wasted not a single moment - they apparently sent out my new card within hours of my being approved, and I got it today. It turns out to be a Visa Signature card with all the usual Signature benefits. Now I wonder if I can talk Penfed into upgrading my Power Cash Rewards to a Signature, too...

Ch 7 BK discharged 11/28/14, credit rebuild well advanced. FICO:TU 680 FICO 8 (3/2/19) or 687 FICO 9/EX 694 FICO 8/EQ 685 FICO 8 or 674 FICO 9 (NFCU 3/3/19), VS 3.0 10/17/18: TU 702/EX 699/EQ 698. $92.9k revolving credit as of 1/31/19; $1K NFCU cashRewards Visa, $2K BJ's Perks MC, $5.1k Discover It #1, $6.5k Discover It #2 (new 3/12/18), $3.5k Petal Visa, $6k Paypal 2% CB MC, $6k Amazon Prime Store Card, $6k Walmart Store Card, $7k Apple FCU Platinum Visa, $7k Penfed Power Cash Rewards Visa, $11.8k Overstock Store Card, $15K Care Credit, $16K Cap One QS Rewards Visa Signature, $10k PenFed used car loan, $5k Navient student loan, $12.7k Lending Club loan. Gardening: 3 months, 19 days as of 1/31/19. 24 HP inqs total as of 10/12/18: 10 TU, 9 EQ, 5 EX (about half over 1 year old).
Message 7 of 8
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Community Leader
Mega Contributor

Re: Cap One QS Rewards Visa approval on prequalify - biggest starting CL yet (in fact, biggest CL ye

Congrats JoeSmiley Happy
#ChaseCreditCardHobby Enthusiast
2022
!
Message 8 of 8
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