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I had the platinum mastercard for over 4 years and finally chatted with Cap1 and got PC to the QS not the QS1, but what I noticed is that they enrolled me in the credit steps program, since I got a email saying only 5 more payments of 75 or more each month to get CLI. Now I am sure they are not going to give the bonus for the QS since I am in credit steps or will they? Also on another note, I have a Platinum Visa with them (formerly Orchard) that is over 4 years old as well. Do you recommend that I combine accounts? Credit limits on account are only at 850 and 600, or PC the visa to another QS.