Trying to figure out my game plan, and Cap1, you so silly.

Question

That's good to know that upgrading to a WMC will get rid of the AF for me - so I should definitely combine to the lower APR card in that case.   Watch them decline the upgrade even after the card has an 8k limit.  Pft!

Answer 1

I currently have three cards with Cap1, and I'm trying to break the 5k barrier so I can have access to higher tier cards.  (limits 3k, 3.5k and 4.5k) I'm waiting on an EO decision to see if I can have the 4.5k card bumped by just $500 so I can upgrade it from a Platinum Mastercard to a World (or World Elite) Mastercard.  That was last Thursday though, so I'm thinking they denied it since my account still looks the same.  Boo.   I DO finally have the option of combining accounts, so I'm hoping if I combine my 3.5 and 4.5 into an 8k card that they'll approve the upgrade as a result of that.  I just need to decide which card - one has a $39 fee and a 22% APR, and the other has a $19 fee and a 24% APR.  I never carry a balance so the APRs don't matter as much at the moment - and I know I can get the fees waived...  might be better to keep the lower APR card though, even with the higher fee attached. I'm hoping that the new 8k limit might help me land higher limits on new approvals after this.  I'm regretting applying for the Venture One now since it only gave me a 3k limit...  but I know that will grow with time, especially since I've already pumped $1000 into it within the two weeks I've had it.  : P Citi sent me a Pre-Selected mailer offering a 15.24% APR and had the prescreen/optout information - but I think I've decided not to bother with it.  I know even with the specific APR mentioned it isn't a guarantee - though it's awfully enticing to get in with someone besides Cap1 at possibly a decent APR.  I can't get BoA to budge on my 1.5k limit with them, and I'm not risking another HP to try again.  (I tried back in January-ish) I'm also thinking about applying for an Amazon Prime Store Card - but only because I have a $500+ purchase planned and wouldn't mind the 5% off +$10 giftcard.  I'd be paying the $500 off immediately.  I'm not trying for the Chase version at all since I was denied for it back in January.  (I've gained new cards and history since then, better scores too, but still won't risk it.)  I know they're backed by Synchrony, and I'm getting mailers from Synchrony backed cards lately, so I think they might be open to approving me. I'm also interested in the Discover It for the rotating 5% categories, and of course my own Amex one day.  (I'm an AU on one now.)  I'm thinking I should probably wait six months first for the Discover, and maybe 12 for the Amex?  I have about 4-5 inquiries on each of the bureaus at the moment. It's so hard to be patient and try to make the best decisions!  I'd like to buy a house in about two years after my last baddie falls off, so I know that limits me as far as trying to apply for cards in the future as well.  I'm trying to build up from now until then to get the best mortgage rate I can. I feel like a child that is being so good, and I'm dying for my parents to notice and reward me for it...  hahahaha.