Cap1 Journey vs Quicksilver?

[NoAnchoviesPlease]

I've had my Capital One Platinum card for about 6-7 years. It's still a no-comma CL (sub-$1k), last CLI 5+ years ago, but it does have 1.25% cash back, and its APR is not the worst I have. 

In the last week or so I've received a pre-approved Quicksilver (1.5% CB, 0% through December, 22.9 after) and a "reserved" Journey offer (1.25% CB if I pay on time, 0% to December, 22.9 after, credit score access). They both mention CLI after 5 months of on-time payments. 

Is there any reason to prefer one over the other, aside from the 0.25% difference in cash back (which is neglicible assuming a no-comma CL)? Am I better off going for a CLI on the Platinum? 

[ftomasze]

The Journey is a student card from what I gather. In my experience student cards come with low limits. Rather than taking the 3 HPs for opening a new account with capital one why dont you just PC the Platinum card to the no AF quicksilver? Before you PC request a CLI on the website, because once you PC you wont be able to press the luv button without getting an automatic denial (6 month required waiting period).

[NoAnchoviesPlease]

Thanks ftomasze. That makes sense (although getting a student card decades after leaving college... doesn't).

I'm waiting for two TLs to post PIFs later this week, then I'll try the CLI and PC. 

[angelcred10]

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@ftomasze wrote:

The Journey is a student card from what I gather. In my experience student cards come with low limits. Rather than taking the 3 HPs for opening a new account with capital one why dont you just PC the Platinum card to the no AF quicksilver? Before you PC request a CLI on the website, because once you PC you wont be able to press the luv button without getting an automatic denial (6 month required waiting period

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Crap wish I'd known this! -.-
I recently PC to the Quicksilver, can't wait to get it in and make it an everyday card.

[NoAnchoviesPlease]

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@ftomasze wrote:

Before you PC request a CLI on the website, because once you PC you wont be able to press the luv button without getting an automatic denial (6 month required waiting period).

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I put in a CLI request online and got the 10-days notice. Guess we'll see how that goes.

Pondering whether to try EO, sock drawer, or just close it if they don't do anything. Card is coming up on 8 years old, but that's my AAoA more or less, so no big loss, and there's no comma in the CLI. 

[NoAnchoviesPlease]

I did an online chat and they upgraded me to Quicksilver, only change is cash back went from 1.25% to 1.50%. No promo APR or change in terms other than rewards. 

I already had no AF, and with a no-comma CL the 0% intro APR until 2015 isn't as useful as it might have been with a comma. 

So now either 2-3 days online or 10 days for a letter to see if they turn down the CLI request.  

[azguy13]

I was turned down for a SP CLI via their website and chat after I PC'd my old platinum to QS. So, I got in touch with EO and they gave me a $1250 CLI. I still closed their card though.

[NoAnchoviesPlease]

Good to know. I have an email for Richard Fairbank that I believe is a good place to start, after I get some update on the request. 

I did read in their CLI FAQ that they tend to prefer people with "history of repaying a large proportion of their balance each month" whereas I've tended to run the card at 80% for a few months and then pay it back down. 

I'd be happy with a $1250 CLI, it'd almost make up for BofA chasing the balance on me earlier this month. I'll update when I hear anything.