Successful Capital One PC!

icyhot · ‎08-11-2015

Chatted with an online rep and was able to get my Venture One PC'd to the Quiksilver. Since my Venture is newer, I decided it'd be better to consolidate that one into the older tradeline when they're eligible, and keep the 0% APR promo. I'm glad the process was quick and painless.

UncleB · ‎08-12-2015

@icyhot wrote:
Chatted with an online rep and was able to get my Venture One PC'd to the Quiksilver. Since my Venture is newer, I decided it'd be better to consolidate that one into the older tradeline when they're eligible, and keep the 0% APR promo. I'm glad the process was quick and painless.

That's awesome! It's good to hear they are being easy to deal with!

MissMoni223 · ‎08-12-2015

CONGRATS & YES typically PC's from Cap1 are painless.

Gardening Until Further Notice
15 Credit Cards (12 Major Banks & 3 Store Cards)

Ridewithme38 · ‎08-12-2015

Wouldn't that be considered a downgrade? Did it effect your credit limit at all?

3/12/2014:Experian: 684 ~ Equifax: 701 ~ Transunion: 678
4/16/2014:Experian: 718 ~ Equifax: 691 ~ Transunion: 707
7/31/2015:Experian: 660 ~ Equifax: 650 ~ Transunion: 661
8/28/2015:Experian: 716 ~ Equifax: 723 ~ Transunion: 743
Open: Venture (8/15) $10,000 VentureOne(8/15) $10,000 Barclay RCI Elite Rewards (4/14) $5,000 Quicksilver (8/12) $4,550 PayPal SmartConnect (11/07) $4,000 Simmons (8/15): $3,000 STS Credit Card (CFNA): $1,600
Gardening starting August 13, 2015 till....Goal: 760 across the board or bust!! (I need a car)

UncleB · ‎08-12-2015

@Ridewithme38 wrote:
Wouldn't that be considered a downgrade? Did it effect your credit limit at all?

The VentureOne only gives 'miles' valued at 1.25% cash back, while the Quicksilver cards give 1.5% "straight" cash back, so the Quicksilver is considered by many folks here to be an 'upgrade' over the VentureOne.

icyhot · ‎08-12-2015

Didn't affect credit limit or terms

happypill · ‎08-12-2015

I definitely agree that the QS is a better card than the Venture One, but I think in Capital One's eyes they are about the same. I think they both can start around $3k and both are issued as VS with $5k limits.

Ridewithme38 · ‎08-12-2015

You know what i wonder. If it will end up affecting his 'top' possible credit limit on the card. Would the Venture card have a high Maximum Credit limit then the Quicksliver?

3/12/2014:Experian: 684 ~ Equifax: 701 ~ Transunion: 678
4/16/2014:Experian: 718 ~ Equifax: 691 ~ Transunion: 707
7/31/2015:Experian: 660 ~ Equifax: 650 ~ Transunion: 661
8/28/2015:Experian: 716 ~ Equifax: 723 ~ Transunion: 743
Open: Venture (8/15) $10,000 VentureOne(8/15) $10,000 Barclay RCI Elite Rewards (4/14) $5,000 Quicksilver (8/12) $4,550 PayPal SmartConnect (11/07) $4,000 Simmons (8/15): $3,000 STS Credit Card (CFNA): $1,600
Gardening starting August 13, 2015 till....Goal: 760 across the board or bust!! (I need a car)

OmarGB9 · ‎08-12-2015

Grats

Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:

Current FICO 8 scores:

UncleB · ‎08-12-2015

@Ridewithme38 wrote:
You know what i wonder. If it will end up affecting his 'top' possible credit limit on the card. Would the Venture card have a high Maximum Credit limit then the Quicksliver?

All we can do is guess, but there are a few folks on here with some massive Quicksilver accounts...