@Broke_Triathlete wrote:That'd be sweet if that's the case. I don't know if I need another Cap 1 card though.
+1
I actually know that I don't need another Capital One card, but if there was a new offer that was attractive enough, I would app for it and in six months I'd merge one of my existing Quicksilver cards into it. Even without some new 'great' offering, I'll still be merging my two existing cards after the holidays... when I have a chance to get another CLI on each of them.
I checked the 'merge' feature just today, and (surprisingly) it seems to work for me with no trouble (I've only been date-eligible for a few days, but I had been concerned that my QS1 being a previous HSBC/Orchard might hose things up). I canceled the transaction before I completed it, but at least I know that's one hurdle I won't have to deal with when the time comes. 
@UncleB wrote:
@Broke_Triathlete wrote:That'd be sweet if that's the case. I don't know if I need another Cap 1 card though.
+1
I actually know that I don't need another Capital One card, but if there was a new offer that was attractive enough, I would app for it and in six months I'd merge one of my existing Quicksilver cards into it. Even without some new 'great' offering, I'll still be merging my two existing cards after the holidays... when I have a chance to get another CLI on each of them.
I checked the 'merge' feature just today, and (surprisingly) it seems to work for me with no trouble (I've only been date-eligible for a few days, but I had been concerned that my QS1 being a previous HSBC/Orchard might hose things up). I canceled the transaction before I completed it, but at least I know that's one hurdle I won't have to deal with when the time comes.
I hear ya bud. I'd probably end up doing the same thing. Combining limits is how I got my $11.5 QS. I have a plan to not app until 2017 when my reports will be 100% clean (except for BR) and get a few other cards. However, if Cap 1 makes a product interesting enough I may app.
Personal:
@icyhot wrote:
But I won't. Checked the prequals for fun, the Platinum MC offers with a 22.9 APR turned into Venture and QS offers with a 17.9 ....given the increases I was given yesterday I may even be able to get a monster limit. But I'll refrain. I've gotten enough HPs this month. Back to the garden I go
How long did it take for that to happen? I am still waiting for mine to turn.
For me, apping wasn't as 'rewarding' back in the day, since most applications were done though the mail, and it took weeks to find out the answer.
CLIs were always done over the phone, or for a store card by getting the salesperson to phone for you, and it wasn't clear what would be a HP or SP because there was no instant access to credit bureau reports - it had to be assumed that all CLIs were HPs (back then, most folks weren't familiar with the terms HP or SP anyway).
Yep, the lack of "instant gratification" took much of the 'impulse' out of applying for cards, meaning most of us just applied for the accounts that we really wanted.
The "good 'ole days"... do I miss 'em? Nope, not at all! 
@UncleB wrote:For me, apping wasn't as 'rewarding' back in the day, since most applications were done though the mail, and it took weeks to find out the answer.
CLIs were always done over the phone, or for a store card by getting the salesperson to phone for you, and it wasn't clear what would be a HP or SP because there was no instant access to credit bureau reports - it had to be assumed that all CLIs were HPs (back then, most folks weren't familiar with the terms HP or SP anyway).
Yep, the lack of "instant gratification" took much of the 'impulse' out of applying for cards, meaning most of us just applied for the accounts that we really wanted.
The "good 'ole days"... do I miss 'em? Nope, not at all!
Hehe, when I got my first credit cards Fico scoring wasn't even yet a gleam in a coder's eye.
Icyhot- Looking at your lineup you could definitely do some consolidating/closing. I don't know the age of some of these cards, but if feasible I'd trim your card lineup down to 4-5 majors, then leave your wallet room to see if there's anything else you may/will want to app for.
Don't see much utility in a 3rd Cap One. If you want a big SL, down the road you could go for one of Chase co-branded products (ie Hyatt or Marriott).
As always don't apply out of boredom (speaking from experience lol!)
Good luck!
Don't see much utility in a 3rd Cap One. If you want a big SL, down the road you could go for one of Chase co-branded products (ie Hyatt or Marriott).
As always don't apply out of boredom (speaking from experience lol!)
Good luck!
