How many cards with Capital One ???

[Anonymous]

2 for poor-average. 5 or 6 for "prime"

[LadyJEsq]

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@Anonymous wrote:
Odd thing is when I did the pre Qual for my QS1s it didn't find any at all .. But they approved me for $1000 .. I don't see any offers on their Pre Qual but my scores literally jumped in a 1 week period. I doubt their SP catches up that quick if at all

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Given the number of HPs you'll have to endure, I would at least wait until you get a prequal offer from them since their prequals are solid.

[Anonymous]

So for QS1 and journey are same kind of cards

[Anonymous]

Yes they are, and even if they weren't you would be wasting your time and hard inquiries for a product you already have a better iteration of. Be patient and wait for a much more significant score rise and moreso, negatives to drop off.

[Anonymous]

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@Anonymous wrote:
You're right I'll wait! I just want to rack up rewards for travel and such next year and to get a head start. I run a ton of money through my cards but need more rewards cards !

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use your two qs1s like debit cards. Load em up pay em off as much as you can. You will be impressed with the results. If it doesnt improve after 6 months then you may have to go elsewhere or endure a triple pull.

I dont really see 1.25% as a great idea for travel rewards....  If you got your scores just a teeny bit higher you could get the good travel cards with sign on bonuses.

While gardening you can prepare for your next cards. Give feedback on how much money you spend and you will get some options for best cash back and best point earners for traveling.

In the mean time, try signing up for expedia plus rewards...by using the mobile app you will earn 3 points per dollar spent, and can use a $25 off $100 coupon on hotels. Pay for it with the quicksilver for added value.  Or go on a cash back site like ebates and book through priceline for extra cash back and pay for it with the quicksilver.

Believe me there are ways to start banking points and couponing and saving money until you get your scores up!

[Anonymous]

Thank you kindly !!! It is so hard not to app but I'll wait. Can't promise I won't post about wanting to app often though lol.

It just feels so good to see my scores in mid 600 when 10 months ago I barely was at 500! I spend about $3000 - $4500 month on CC and pay down about TO 50% UTIL or less depending on disposable. I use all my cards like debit cards and PIF. I just got a big CLI of $2000 on my WESTERN FCU VISA -- that'll report in 10 days .. And has a $0 balance so I'm hoping for another score boost, as it'll lower my overall UTIL to under 40%. And now, I just paid my highest card (BARCLAY Apple VISA) from $2850 to 2000 on a $3000 CL. So we will see

[Anonymous]

That doesn't sound like PIF at all to be honest as the balances you carry and your utilization are saying otherwise. Did you mean to say that at this point you are now PIF current charges while still revolving others from before?

[Anonymous]

Yes -- sorry. Still getting accustomed to the terminology here. I run a lot of money through my QS1, pay down and do it again. I'm letting 3-4 cards report $0 this month out of 6. Then the others under 40%

[Anonymous]

Best case scenario I would advise paying down everything that has been revolving a balance for a while starting with highest interest of course. See where it gets you and then try your best to reconcile some of those negatives holding you down. 700 is not an option until most of that is resolved.

[kdm31091]

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@Anonymous wrote:
Yes -- sorry. Still getting accustomed to the terminology here. I run a lot of money through my QS1, pay down and do it again. I'm letting 3-4 cards report $0 this month out of 6. Then the others under 40%

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But if you are not paying in FULL, not just under 40% but totally in full, you are not getting anything out of rewards anyway (unless you are in a 0 percent promo). Of course life happens to where we can't always PIF, but the point is that worrying about rewards of 1-2% is unecessary if one is paying 18% interest.

Focus on getting rid of all of your balances completely before worrying about applying for anything (and you should garden anyway like I said earlier). You will qualify for much better cards with time and with lower utilization. To be totally honest, this sounds like an overspending issue, which more cards will not help!