Should I go for new Cap One card?

[lovely222]

Hi all. I have a crappy Cap One card with a $750 limit. I have been pre approved for the Cap One Prestige, Venture Rewards, and Cap One Cash. My scores are in my signature. Do you think I should apply for one of these cards? Will they let me combine accounts later? My credit portfolio is below. 

PNC Flex Visa - 17.5k

Citi Platinum Select MC - 10.2k

BOA World Points - 10k

Citi MTVU - 8.3k

Discover More - 5.5k

Nordstrom Sig Visa - 5k

Citi Diamond Preferred - 3.7k

Banana Republic - 2.3k

Amex Blue - 1k

I have other retail cards that I don't use. Total avail credit is over 70k. Util @ 20% - will be much lower by the end of this month. 8 or 9 INQ on EX, 4 or so on EQ & TU. Your thoughts are appreciated! 

[Anonymous]

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@lovely222 wrote:

Hi all. I have a crappy Cap One card with a $750 limit. I have been pre approved for the Cap One Prestige, Venture Rewards, and Cap One Cash. My scores are in my signature. Do you think I should apply for one of these cards? Will they let me combine accounts later? My credit portfolio is below. 

PNC Flex Visa - 17.5k

Citi Platinum Select MC - 10.2k

BOA World Points - 10k

Citi MTVU - 8.3k

Discover More - 5.5k

Nordstrom Sig Visa - 5k

Citi Diamond Preferred - 3.7k

Banana Republic - 2.3k

Amex Blue - 1k

@I have other retail cards that I don't use. Total avail credit is over 70k. Util @ 20% - will be much lower by the end of this month. 8 or 9 INQ on EX, 4 or so on EQ & TU. Your thoughts are appreciated! 

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To be honest it really depends on which CB they pull...I know they will usually pull all 3 for new customers but I believe once you are a customer they just pull one. I didn't see your EQ score in your signature. 

[lovely222]

Hello again, fusion! I haven't pulled EQ in awhile. In May it was 710 or so. Do you know what limit I can expect with these cards? If it's not that much higher, there's no point in applying. 

Does anyone know who they pull in NJ? 

[mAndrew1980]

Do you need more credit? It seems you have a lot of available credit already?

[lovely222]

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@mAndrew1980 wrote:

Do you need more credit? It seems you have a lot of available credit already?

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Haha. Touche. I just want to change my subprime Cap One card to a prime one. If they don't pull EX, I will likely app for one and combine/close the old account. 

[lovely222]

Ah well, pulled the trigger. Approved for Venture One Rewards - 3k limit, no AF, 0% APR until 10/12. 

Now I will really be gardening! 

...Until I try for Amex Zync again. 

[Gh0st]

I kno its a bit off topic but how is PNC? They give you a pretty large limit and I'm looking into getting into the 5 digits in regards to limits. Highest for me is citi with 6k.

[notmyj]

Log into your cap one acct, click on "Modify Features" along the top of your summary. Then click on the dolar sign bubble. You may have already been offered a better card. Cap one will offer to upgrade your card type when you have met certain criteria.