Cap 1 combine question

[DeeBee78]

---

@Anonymous wrote:

---

@DeeBee78 wrote:

---

@Anonymous wrote:

I just checked and i am able to do so...umm, not sure if i need to?

Are you changing it?

For travel cards, i have:

CSP

AMEX Green

Barclay Arrival + 

PenFed Premium Travel Rewards AMEX

Cap1 Venture makes it my 5th

I LOVE the fact that cap1 QS gives you the cash right away and not having to wait a whole satement.

---

VentureOne is a 1.25% earning card, while the Quicksilver is a 1.5% earning card. By converting your VentureOne into the Quicksilver, you get better earnings and the lowest interest rate. Then you can combine your other cards into it, for a larger limit. 

And yes, Capital One does not give permanent APR reductions, so they won't "match" your lower APR. 

---

Sounds great BUT, i got the Venture with a bonus offer...say i PC to QS, am i eligible to apply/receive bonus for another Venture? AMEX does not let you get the bonus for a product you previously had.  If that's the case, i won't PC it. Ummm...but i like the 1.5% vs 1.25%...

---

Yes, the signup bonuses can be acquired more than once, for now. Keep in mind, you can only obtain one Capital One card every 6 months now. 

[Anonymous]

As usual people, thanks alot for your help.  Right after seeing these replies, I got on chat and upgraded the VO to a QS.     

PS Just combined the Platinum to the new QS with 18.9% and closed the Platinum.     New QS now has $6.5K limit. 

[Anonymous]

---

@DeeBee78 wrote:

---

@Anonymous wrote:

---

@DeeBee78 wrote:

---

@Anonymous wrote:

I just checked and i am able to do so...umm, not sure if i need to?

Are you changing it?

For travel cards, i have:

CSP

AMEX Green

Barclay Arrival + 

PenFed Premium Travel Rewards AMEX

Cap1 Venture makes it my 5th

I LOVE the fact that cap1 QS gives you the cash right away and not having to wait a whole satement.

---

VentureOne is a 1.25% earning card, while the Quicksilver is a 1.5% earning card. By converting your VentureOne into the Quicksilver, you get better earnings and the lowest interest rate. Then you can combine your other cards into it, for a larger limit. 

And yes, Capital One does not give permanent APR reductions, so they won't "match" your lower APR. 

---

Sounds great BUT, i got the Venture with a bonus offer...say i PC to QS, am i eligible to apply/receive bonus for another Venture? AMEX does not let you get the bonus for a product you previously had.  If that's the case, i won't PC it. Ummm...but i like the 1.5% vs 1.25%...

---

Yes, the signup bonuses can be acquired more than once, for now. Keep in mind, you can only obtain one Capital One card every 6 months now. 

---

Oh believe me, I'm not planning on applyiing for anything until my Ch7 falls off on 10/2020. I don't need anymore credit.

[Anonymous]

---

@Anonymous wrote:

As usual people, thanks alot for your help.  Right after seeing these replies, I got on chat and upgraded the VO to a QS.     

PS Just combined the Platinum to the new QS with 18.9% and closed the Platinum.     New QS now has $6.5K limit. 

---

Nice CL! I'm not sure how long the offer for me will remain, but currently paying a balance on my Venture One...not sure how it would benefit me to PC to QS?

[Anonymous]

I did it for 2 reasons, 1) got the lower interest rate (don't like carrying balances, but you never know.)  Also, 2) wanted the cash back, which I don't get on the VO.

[Anonymous]

Make sense.

[DeeBee78]

Glad it worked out for you