Capital One: Three Hard Inquiries

[Anonymous]

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@Anonymous wrote:

Here is the thing though: I don't mind apping and canceling the AF cards after the first year, as long as it doesn't affect my AAoA or add any other eye raisers to my CR. I don't want the creditors to think I am "credit surfing." I just recently closed my AMEX due to the high AF. 

If I app for the Venture and then transfer the whole limit to my Quicksilver after my first year is up, would it show as a closed or open account? What if I even converted it down to the VentureOne? Would I have to take another HP for that? 

EDIT: Nevermind guys, forget the Venture card. There is no 0% interest promo. I'd probably rack up on these cards and want to not pay it off so quickly, so looks like only the QS and V1 are my only ones. 

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Best of luck to you! There have been many reports of people submitting 2 apps with 1 hard pull on each report.

[Anonymous]

Hmm, I am itching to give it a go, guys! 

My only worry is my utilization at the moment which is 13%. $2,070/$15,900 available credit. 

[Anonymous]

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@Anonymous wrote:

Hmm, I am itching to give it a go, guys! 

My only worry is my utilization at the moment which is 13%. $2,070/$15,900 available credit. 

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go back to bank of america or to barclays!! or chase! or all three!

[Anonymous]

I have all those except Barclay's, lol. 

[Anonymous]

What do you guys think regarding my utilization though? Would they give me a nice limit? 

[NRB525]

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@Anonymous wrote:

What do you guys think regarding my utilization though? Would they give me a nice limit? 

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So you do not have a Capital One card yet? Without that, it seems like you cannot predict limits. What is your prequalification result from Capital One?

Your siggy is out of date? No more PRG? Not a huge issue, except you might consider Blue Cash or Every Day cards with no AF, potential 0% APR promo and build from that history with AMEX.

[Anonymous]

Hmmm, I have always wondered why I have never prequalified for anything-- Until I realized it was because I was 20 years old, lol. So I don't think it will work properly since I read you got to be 21 and over to get offers. 

And I did check out the AMEX's cards. 

[NRB525]

Well, with Capital One, that is one bank where you will be building a lifetime relationship. What that means to you is, you need to start with one card with Capital One. I'd suggest apping the Quicksilver no AF card, and only the QS.

It would be nice to put the entire $1,500 on one card, it sounds like that is a single purchase, and that is of course going to depend on the CL you get from the QS, but think a bit longer term here. With your first Capital One card, that's the first clear view they will begin to have available to see your activity. After 6 months or a year of using the QS, you may get CLI along the way. Your second app with Capital One will result in a substantially higher CL at that time.

[Anonymous]

before you app!!

do not get the venture one. here's why:
it's basically a restricted 1.25% card only redeemable for travel so the QS is better anyway. sure you get 20k bonus miles ($200) but after that it's useless
get the venture. $40k bonus miles and its 2 points per dollar so you'll have 46k points ($460) and downgrade it to the v1 later. the AF is waived the first year anyway

[Anonymous]

and the pulls are hit and miss. i did the double card trick in november and got 4 total pulls so you never know. did the double again last night so we shall see. only one showed up so far so yeah the others need to update foo