I called Cap One a few days ago to check on my steps progression on my QS1. I’ve been ending with a $0 balance the last few months and not nearly running much through it like I had my QS. The always reliable and fully knowledgeable CSR (yes that’s a joke) said I was at month 5 on steps but I had received $100 CLI so my step completion would only be $150 sometime in the next 2 billing cycles. Statement closes today, again at $0 balance. Got an email below about my QS. Logged in and landed on my QS1. Available credit - $1,086. Wait, what?? Credit line $ 1,100. That’s a $500 steps CLI (promised $250, CLI increase of $100, steps CLI $500). Wham bam thank you Cap One! The differnce is a $13 charge I’m disputing and waiting for them to finish research and resolve.
So what was going on with QS? I have had it a year and figured it was time to ask for a decreased APR. what I got was a 3% decrease for 7 months. Not planning on using it but I guess I’ll have to take it for now.
Cap One wouldn’t let me combine the cards tonight. I believe it’s because of the disputed charge on QS1. Once that is cleared up, I’m going to be pushing to combine them together as a single QS. No plans to do anything with it other than to keep my socks company in their drawer.
Datapoints FICO8 - TU 604, EQ 679, EX 700, overall utilization 52%
Thank you Jag!
