Close Capital One QuickSilverOne?

[Anonymous]

I have had a a Cap1 QuickSilverOne for almost 4 years. Over that time I have only gotten two CLI's. I have never missed a payment, but keep a balance for a quite a while. It had an SL of $750 and the last CLI brought it to $1950. That was just at 2 years ago. I have since gotten cards that blow that limit away. I have called them, and they have no real reason as to why they will not give me a CLI. It is currenty at a $0 balance and has been that way for almost 3 months now. Other than having the available credit limit, is it worth keeping open?

[Anonymous]

if you close it, it wills still report for the next 10 years, so no harm.

You could merge them together and keep the oldest card.

[Anonymous]

Some Capital One cards will just get stuck at a certain amount. I used to have three capital one cards and they all went through several product changes. I tried for about a year and a half to boost some of my C1 credit limits and eventually gave up and combined all of them. I would try to get it PC'd to a regular Quicksilver before closing it. I would close it before any AF hit through... paying the AF for that card is not worth it (imo). 

[HeavenOhio]

I'd be more concerned about the fee than the low limit. I think you're safe closing it unless it's your oldest card by a mile. Before closing, you might want to try product-changing. But with a QS1, that may take some diligence.

[Anonymous]

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@HeavenOhio wrote:

I'd be more concerned about the fee than the low limit. I think you're safe closing it unless it's your oldest card by a mile. Before closing, you might want to try product-changing. But with a QS1, that may take some diligence.

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I've been trying after having the card for slightly over a year.  It's seemingly impossible and Ive been trying 2-3x each month since February this year when I got my credit steps CLI. no dice and I still have until august when I can request a CLI

[Anonymous]

What was your credit score at the time you were approved for the QS1?  If it was anything sub-650 or so, the reason you can't grow the card is because it is and will always be viewed as a starter account.  Typically starter accounts peak out around $2000-$3000, but often don't even make it to that level.

I know you also said it's been at a $0 balance for 3 months now.  By saying $0 balance, do you mean you paid it off 3-4 months ago and haven't used it since, or you have been using it but paying it off to $0 each cycle?  If you haven't been using the card for 3-4 months, asking for a CLI more than likely won't work because you aren't showing them that you need a CLI due to non-use. 

[Brian_Earl_Spilner]

Lol, I just made a similar thread not too long ago. I decided to roll the limit into another cap1 card.

[601flyguy]

Have you ever done any surveys? They seemed to help me. Probably still in the bucket but at least my card is somewhat useable now.

[Blackswizz750]

I am thinking the same thing on Cap1. My first card was a QS1 and the second a platinum. I want to merge to at least get a decent limit and use it. The GM card is not being increased at this time as I cant combo it(co-brand it).

[Anonymous]

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@Blackswizz750I am thinking the same thing on Cap1. My first card was a QS1 and the second a platinum. I want to merge to at least get a decent limit and use it. The GM card is not being increased at this time as I cant combo it(co-brand it).

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Your best bet would be to PC one of them, say the platinum, to a QS first.  Then after doing that, combine your limit from the QS1 to the QS and close out the QS1.