Should I Combine Two CAP1 QS Cards.

[Anonymous]

Need your opinions huys and  girls. I currently have two CAP1 Qs cards:

QS Visa signature, $10k @ 13.99% APR, new account

QS Mastercard, upgraded from a QS1, $7k @ 24.99% APR

Should I combine the mastercard into the visa signature? The visa sig card has a much better apr, however the mastercard is a much older account @ around 3 years old. I know it does not really matter if you pay in full, which I do, but that high APR is bugging the hell out of me..... And from what I read here cap1 does not do apr reductions. Would love to hear some opinions.

[AverageJoesCredit]

If it doesnt bother you losing the 3 year old account, ease your mind and combine, 17 k at 13.99 sounds nice to me

[Anonymous]

Well that is my dillema. I know it is still going to be on my report for 10 years bust still.....

[pizza1]

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@Anonymous wrote:

Well that is my dillema. I know it is still going to be on my report for 10 years bust still.....

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Yes, the acct will still report positive for another 10 yrs on your reports. If it makes sense for you to combine, and you'll have a higher CL to work due to the combining, by all means do it. I combined all 5 of mine a few years back....best thing I ever did!

[Anonymous]

Thanks for the advice guys, appreciate it. Just combined the two accounts.

[Anonymous]

I agree with what's been said above combine the cards it makes the most sense. Dv