Capital one woes

[Jaydawg220]

Credit scores are in the low-mid 600s.
Uti at 30%
Got 3 baddies, 2 pif, 1 still unpaid, all over 3 years old.
3 lates on each of my student loan accts from 2 years ago.
I currently have 8 tradeline:
Merrick unsecured $1200 CL
First Premier unsecured $300 CL
[2] Cap1 secured cards $550 CL each
Wells Fargo Secured $300 CL
Fingerhut $800 CL
[2] student loans $600 & $3500

AAoA 1.7 years

I applied for the Cap1 QS1 a few days ago, but it was denied because I already have the limit of 2 SubPrime accts w cap1. My first cap1 secured is almost 2 years old, while the 2nd is only just a year old.
Today I checked my prequal on Cap1 and got the congratulations for the QS1 and Plat.

If I were to close one of my Cap1secured cards, would I be able to immediately apply for the QS1, or would I have to wait a few days for the secured acct to fully close?
Also, would it be a good idea to close my 1 year old secured card? I hate to loose the history?
What are my potential starting limits if I did get approved for the QS1?
I'm Not Sure It's Even Worth Closing The Secured For An UNSECURED That's The Same CL And A New acct.
Any thought?

[Aduke1122]

Has your Secured cards not graduated yet ? Most ppl do get kinda stuck and have to end up closing the secured and apping for a new unsecured, I would be totally hesitant right now with all the shakes Cap One is having lately plus the triple Hard pulls are a MAJOR turn off for me esp if there is a chance for denial or low SL

[Aduke1122]

Our secured card graduated at 11 mths and we just got a Pc to the QS at 1 yr 4 mths , but absolutely no love at all with CLI , we have only seen one CLI and that was the one they give you after 6 statements

[Anonymous]

Search this forum for the cap1 upgrade link. You may be able to PC one of your cards to a better card without having to reapp for a new account.

[Jaydawg220]

No, neither one has graduated. I was hoping 1 would, but shucks, iv been hoping for the 1st to graduate for a year now haha.
I'm really curious what the sl would be if I get that qs1. I think I'll definatly get approved, but I don't want a 500 sl. If it could be at least 1000, I'd be happy.
Iv already called up once, but the rep said they can't pc or cli the secured cards. (Unless I deposite more for the cli)
But when I called, the application dept was closed, so that rep maybe didn't know for sure, so they said no to the pc to be on the safe side. I'd absolutly love to pc it Yo the qs1.
Shoot, iv been with Cap1 for almost 2 years, I'm hoping they show me some kind of luv.

[Anonymous]

Close one Cap1 secured. You won't lose history, it will stay on your reports for 10 more years!

[Jaydawg220]

Will it still be factored into my AAoA?

[Aduke1122]

Yes even closed accounts get flavored into your AAOA on fico models

[Jaydawg220]

Oh ok, nice. So then there's really no damage closing a cc account except for the uti limit being lowered.
It stinks that the application dept isn't open on sunday, so looks like I'll be closing the secured card and applying for the QS1 tommorrow morning. I'll update to let you guys know my SL.
Thanks for all the input everyone

[Aduke1122]

I meant to type Factored lol sorry auto correct