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Which to roll over?

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icyhot
Valued Contributor

Which to roll over?

My plan has always been to pay off my QS balance, CLI it and roll it into my 8K Venture. But since I got approved for another one, not sure if I need to keep both? Especially since QS is in 0% still and has no AF. 10K Venture has a lower APR than $8K as well. Perhaps I will roll the Venture into the QS since the QS is older. One question tho, if I CLI the QS, will it allow me to subsequently roll a limit into it? Or is that too many CLIs at once? This is honestly a difficult decision lol, especially since I still have about 10K reward miles on the Venture
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 1 of 4
3 REPLIES 3
Creditaddict
Legendary Contributor

Re: Which to roll over?


@icyhot wrote:
My plan has always been to pay off my QS balance, CLI it and roll it into my 8K Venture. But since I got approved for another one, not sure if I need to keep both? Especially since QS is in 0% still and has no AF. 10K Venture has a lower APR than $8K as well. Perhaps I will roll the Venture into the QS since the QS is older. One question tho, if I CLI the QS, will it allow me to subsequently roll a limit into it? Or is that too many CLIs at once? This is honestly a difficult decision lol, especially since I still have about 10K reward miles on the Venture

Yes, it will allow you to CLI and then roll into.

I would keep the older account, especially if you just got another Venture.... in 6 months you can decide rather to still keep QS or move into venture.

Message 2 of 4
icyhot
Valued Contributor

Re: Which to roll over?

Good to know.....I guess now my only concern would be the rewards. It's only about $100 but of hate to get a cash check for half that
Ch 7 BK discharged 12/2018
Bank Cards: NFCU Flagship Rewards $25K | NFCU Cash Rewards $20K |NFCU More Rewards Amex $17K | PenFed Power Cash $12.5K | PenFed Platinum Rewards $12.5K | PenFed Pathfinder Rewards $10K | PenFed Gold Card $7.5K | PayPal Cashback Mastercard $5K | Apple Card $3.5K
Store Cards: Bergdorf Goodman $10.5K | Neiman Marcus $7.5K | Care Credit $7K |
Scores: EX 656 | EQ 667 | TU 680


Goal Card: Amex Platinum (Amex IIB, waiting for 5 year mark)
Message 3 of 4
Anonymous
Not applicable

Re: Which to roll over?


@icyhot wrote:
Good to know.....I guess now my only concern would be the rewards. It's only about $100 but of hate to get a cash check for half that

You can always redeem the miles for gift cards - that's a better solution instead of cash back.

Message 4 of 4
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