- Platinum Member
- Posts: 93
- Joined: Wed Aug 17, 2011 10:53 pm
- Location: USA
Speaking from personal experience, I think it depends on the company and it depends on the kind of upgrade you're getting.
I got upgraded about a year ago on my Student Blue from American Express to the regular Blue from American Express without a hard pull (I asked before they did the upgrade) and recently, the credit rep has been talking to me about 'upgrading' it further to a Cash rewards card (without a hard pull).
I got upgraded to a Signature card on my Amazon from Chase about a month or two ago without a hard pull (I asked before they did the upgrade) though they DID hard pull me one year ago when they upped my CL and did a BT for me.
I got upgraded from a Macy's + American Express to a Preferred Macy's + American Express without a hard pull a long time ago (I asked before they did the upgrade).
Hopefully someone else who has specific experience with Capitol One might be able to give you a better possible answer.
Also, it never hurts to call the card company and make a general inquiry.
AMEX: Everyday (MR), Macy's (cobranded)
MASTER: Citibank Dividend Platinum Select (non-World version)
VISA: Chase Amazon Signature, Chase (bank issued)
GE: Care Credit (medical expenses), Macy's (store), JCP (store)
AMEX: Costco True Earnings
VISA: Chase Ink Cash