Hello All,
I have lurked here for the past couple of weeks and learned quite a bit from those who contribute here. If possible, I'm hoping I can get some opinions here from those who have experience or are familiar with this kind of situation.
Quick history - I only got reinterested in boosting my credit scores recently. After my Ch 7 BK in 2008, I became a cash only person. I only cleaned up my credti enough for a new position I was looking to obtain last year. Seeing credit reports and scores on a regular basis, helped me gain much more clarity and more confidence to set some of my own credit goals again. I wasn't sure what kind of cards I could obtain given that I still had the BK and IIBs, plus one student loan that, although rehabilitated, showed a last report of 120+ days late that I couldn't get removed. I had been denied an upgrade from USAA out of my secured card even though I had paid it off and barely used it and raised the limit on it myself by adding more to the CD backing it. I had only obtained 3 toy limit store cards (all $300 or less).
To the heart of this post - So I started searching the internet a bit and I saw Credit Sesame recommended on another site. I joined them and was recommended to try the CapOne for Newcomers Card with a high interest rate, but no annual fee. It had rewards also - 2% for travel, 1% everything else. Sounded good so I went for it. Instant approval for $1000. Yay, my first unsecured card.
I look around the CapOne and noticed they just intorduced the Quicksilver and Quicksilver One. 1.5% across the board which would work better for how I use the card. I app'ed for it and was given the message for a review. I called to see about switching over from the Newcomers to the Quicksilver or Quicksilver One, but was told I would probably be denied since I applied for two cards at the same time and it would be a new relationship. Well, I ended up getting approved for the Quicksilver One with a limit of $1000.
Prior to getting this second CapOne approval, I obtained a $7000 NFCU Flagship Rewards Card and $15K NFCU NavCheck also. (God Bless NFCU) So I'm really good on credit now.
What should I do concerning the two CapOne cards? Do I keep the one with no AF and drop the QS One? Ask about combining the two cards into one? Should I keep both? Any other thoughts?
I really would appreciate your input. Thanks so much!
PS - Sorry for the long story; just trying to frame the picture since I am new here.
So basically, don't stress so much over it. They aren't hurting anything. Just use them.
Ok, thanks! 
@sweettea wrote:So basically, don't stress so much over it. They aren't hurting anything. Just use them.
Ok, thanks!
Correct and forgive my manners 
Welcome to the forum
No problem at all and thanks for the welcome!
I have to agree with myjourney.
And....welcome to the forum!
And....welcome to the forum!
