@Anonymous wrote:
@girbabe wrote:
@Anonymous wrote:
@girbabe wrote:I'm going to cancel my Sony card and would like some input about the consolidation of the other 2. I don't want to close out the Platinum because it's an older card though I don't use it since there's not much benefit. On the other hand, the Quicksilver Signature I was approved for just earlier this year has the highest APR of 22.9% so it really won't be used either. I typically PIF but on the off chance I let a balance ride for a month, I certainly don't want it to be on the Signature card. So then, would it be better to consolidate and keep the Platinum due to the age of the account and lower APR (17.9) or keep them both or ??. Appreciate the help.
I just had a similar thread: http://ficoforums.myfico.com/t5/Credit-Cards/CapOne-Dilemma/m-p/4308752#M1229650
After sending an email to Capital One, I got a call from EO. They were able to let me PC my old Capital One Platinum into a QS. I wanted to keep this card for 2 reasons: my oldest active card from 2000 and 15.9% APR. My current Platinum was going to be 22.9% APR after the 0% intro ended in Feb. For me, it was a no-brainer to then combine my old Platinum coverted to QS and the current QS into it. I hope you can get something similar but you will have to email the CEO of Capital One to get anywhere.
That was very creative but if I'm reading it right, you had 2 old and 2 new Platinums and QS's? I'm thinking in my case since I have one of each and I want to keep my Platinum because of its age, I will PC into QS. I just today, cancelled my QS and the balance over to Platinum so I hope it's not too late or that I'm now doing it backwards. It never even occurred to me to PC the card. Thanks for sharing.
I have a Platinum card since 2000, I got a QS in March 2015. The Platinum is at 15.9% where the QS is 0% until January then 22.9%. I called CS earlier this week, no couldn't PC the Platinum to a QS, and no I couldn't get the APR lowered after the promo 0% APR. I felt it was foolish to combine my two cards because of the above, so I emailed rich.fairbank@capitalone.com to air my grievances and someone from EO read it and called me within 24 hours. She was successfully able to PC the Platinum to a QS for me, so I combined the two into the "new" QS which was the Platinum at 15.9% and the QS that I opened in March is closed. So, I get a CapOne rewards card at 15.9% with $22k CL.
Thanks! I'm going to give it a try. Cross your fingers!
Just wanted to provide an update on my EO request for an upgrade and APR reduction. I was surprised it only took a few days but I was approved for a Quicksilver upgrade but no change to the APR. The best they would do is offer another 7 month temporary reduction to 13.99. Maybe I'll try again later.
In summary, I initially transferred my credit limit from the 22.99 APR Quicksilver Signature Visa (Jan 2015) to the 17.99 Mastercard Classic Platinum that I've had since 2008 and it was then converted to a Quicksilver Platinum. This way I was able to keep my older account with the lower interest rate and add all the Quicksilver benefits. I can't complain. 
Thanks to everyone who helped!