Help!! Capital One Product Change Offer

[Shooting-For-800]

I would wait until your scores are 50 points higher.

At that time, it may be better for you to apply for a different Cap One card and combine them both into the new one.

As your score goes up, your ability to get better cards with better limits will also.

Bucketting may keep your old cards where they are now.

GL!

[Harmony12]

Shooting-For-800,

I hope to get prequalifed for a Venture or Savor then.

[SweetCreditObsession]

@OP, Why go no AF to AF? Your interest rate will be which ever one is higher. I'd sit tight until you get a QS offer. The benefits are the same with no AF.

[FireMedic1]

When I got the QS, then Venture, then Savor I had moved up to the 700 range. Whatever is holding your score down. Get that worked out and then apply. Second cards are always higher with lower APR's this applies to Discover also. GL!

[Shooting-For-800]

Just keep checking prequals.

I would not cold apply to Savor or Venture with scores much below 700.

GL!

[Harmony12]

SweetCreditObsession,

I currently have an AF for both cards. I would rather not have an AF but if I do I want the card to be worth it.