Any reason to hold onto my QS despite not having a fee?

[AverageJoesCredit]

Yes, so we can debate it😄

[imaximous]

I’d keep it for just one reason: Balance Transfers. Cap One runs offers all the time with probably the lowest BT fees. I get offers for either 2% BT fee for 12 or 18 months. While it’s not something I do a lot, it can be very useful for some large purchase situations. For instance, I’ve bought things on a credit card earning 4.5% or 5%, then BT for a 2% fee and I still come out ahead. You never know when you’ll need to make a large or emergency purchase (medical, house project/repair, etc.)

Also, if you’re good with investments, you could use the card to earn you some money. Pay a 2% fee to get some cash and invest for a much higher return. That’s more risky but it’s another way to put your CL to good use. You could even find a high yield savings account or short term CD that pays better than 2%.

I have a grandfathered Savor with a $41k CL and those are the only ways I use it nowadays. Plus the occasional purchase when I haven’t had any activity on it for some time. 

You can make your dormant CL work for you.

[AverageJoesCredit]

Lol @imaximous i would give the award to lowedt BTs to , forgive me for saying this, Comenity , 0%,$0 18 months , yowser

[imaximous]

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@AverageJoesCredit wrote:
Lol @imaximous i would give the award to lowedt BTs to , forgive me for saying this, Comenity , 0%,$0 18 months , yowser

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**bleep**! Haha.

In my defense, I don’t have a single Comenity card, so I wouldn’t know about those offers, but now I’m intrigued. What cards do that?

[Anonymous]

I sure wish I could say that my card got good BT offers. 

[AverageJoesCredit]

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@imaximous wrote:

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@AverageJoesCredit wrote:
Lol @imaximous i would give the award to lowedt BTs to , forgive me for saying this, Comenity , 0%,$0 18 months , yowser

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**bleep**! Haha.

In my defense, I don’t have a single Comenity card, so I wouldn’t know about those offers, but now I’m intrigued. What cards do that?

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From my understanding its their Visa cards. Not sure everyone would recieve the offer but plenty people have. Sportsman Guide, Ikea, Total Rewards are 3 i hear can get them. I actually put in an app for SG to see if i could get one lol. Fraud alerts and 1 hp later ,still waiting on letter 

[Anonymous]

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@AverageJoesCredit wrote:

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@imaximous wrote:

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@AverageJoesCredit wrote:
Lol @imaximous i would give the award to lowedt BTs to , forgive me for saying this, Comenity , 0%,$0 18 months , yowser

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**bleep**! Haha.

In my defense, I don’t have a single Comenity card, so I wouldn’t know about those offers, but now I’m intrigued. What cards do that?

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From my understanding its their Visa cards. Not sure everyone would recieve the offer but plenty people have. Sportsman Guide, Ikea, Total Rewards are 3 i hear can get them. I actually put in an app for SG to see if i could get one lol. Fraud alerts and 1 hp later ,still waiting on letter 

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Don’t forget the WS VISA Sig!

[AverageJoesCredit]

Oh yeah, WS Visa! Or is that Weary Soul Visa

[zerofire]

Considering that right now Capitol One does not allow combining maybe you can consider waiting until they do again? That way you can salvage some CL from your Quicksilver account. Also Capitol One does not particularly care when you close the account so you can close the Quicksilver on the phone while doing a Venture application online. Just make sure you hit submit after hanging up.

[kdm31091]

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@zerofire wrote:

Considering that right now Capitol One does not allow combining maybe you can consider waiting until they do again? That way you can salvage some CL from your Quicksilver account. Also Capitol One does not particularly care when you close the account so you can close the Quicksilver on the phone while doing a Venture application online. Just make sure you hit submit after hanging up.

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I'd be surprised if the feature comes back honestly. For years and years Capital One would not allow account combos. They started allowing it and it remained in place for maybe a year or two before being taken away (and some of the combined limits were slashed).