CapitalOne Platinum upgrade to Quicksilver

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sicasun
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Location: TX, USA

Postby sicasun » Mon Sep 15, 2014 2:44 pm

lobbythis wrote:Wow, lucky people here.

I have a $750 Journey and $750 Platinum. The Platinum is almost 2 years old. Perfect payments on both cards, using them like crazy to pay bills and when I spoke to them (in chat) about upgrading they wouldn't do anything for me. They just gave some crap auto response.

How long have you had yours? I told them I was going to cancel both cards, but it didn't matter.


That's so weird :( My Platinum was opening January 2013, so not even 2 years old yet. I honestly don't use it much at all, just pay it on time every month. Maybe CapitalOne wasn't to try to get me to promote usage of their cards?? My CL is higher than yours, I don't know if that has any factor in the decision to offer a PC or not. I suggest trying what popamode72 suggested and see if it works! Good luck, I hope you get something good out of it!

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701


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sicasun
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Postby sicasun » Mon Sep 15, 2014 2:48 pm

Xorand wrote:I had three CO cards (one was a former Orchard Bank card) and they kept sending me letters offering an upgrade to QS on the two lower credit line cards. I finally called up and asked if they'd upgrade my higher credit line Platinum to a QS and they immediately said yes. We also went ahead and cancelled the lowest credit line card (the former Orchard card with a 2K CL) in the same call. A few days later, I noticed that my new QS card had a 2K higher CL as well.

Wow, that's awesome! I'm glad that all worked out for you :) This just proves that it never hurts to ask.
I'd be pretty happy closing lower limit cards too, especially if you don't use them. Leaves more opportunities for newer, better cards.

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

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sicasun
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Location: TX, USA

Postby sicasun » Mon Sep 15, 2014 3:03 pm

lobbythis wrote:I will try that. My Platinum has an annual fee and is not secured.

You know that's weird...my Platinum is a credit card, not secured, but has no annual fee...I wonder if I applied during a special offer, cause mine is newer than yours, but they currently charge $39 now too.

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

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Xorand
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Postby Xorand » Mon Sep 15, 2014 3:32 pm

The Platinum that I upgraded to CS is 11 years old, which is one reason I asked specifically to upgrade it (besides the highest limit). It had, I believe, a $59 annual fee (again, due to whatever offer was on when it was issued).
AmEx - Platinum (NPSL) , Blue Cash Preferred ($19,000), Gold Delta Skymiles ($8,500)
Chase - Sapphire Preferred ($14,000), Disney ($11,500), Amazon.com ($9,000), Freedom ($8,000)
CapOne - QuickSilver ($7,250) / Platinum Rewards ($7,250)

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CarefulBuilder14
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Postby CarefulBuilder14 » Mon Sep 15, 2014 4:08 pm

Xorand wrote:The Platinum that I upgraded to CS is 11 years old, which is one reason I asked specifically to upgrade it (besides the highest limit). It had, I believe, a $59 annual fee (again, due to whatever offer was on when it was issued).


Ouch! CO/Orchard certainly knows/knew the value of an old account to some cardholders. Were you ever able to get the $59 waived?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when

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sicasun
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Location: TX, USA

Postby sicasun » Mon Sep 15, 2014 4:49 pm

A $59 annual fee?! Oh my gosh, that is quite an amount for a Platinum :( Well I'm glad you upgraded cause the QS doesn't have an annual fee. QS One on the other hand does :(
.

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

yfan
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Postby yfan » Mon Sep 15, 2014 11:36 pm

sicasun wrote:Congrats!! Yea, the CSR told me that it was an "invitation" only thing haha. I'm sure basically any card with less or no benefits compared to the QS is eligible though. The no HP is definitely the best aspect, especially I'm at 3-4 for each of the three bureaus

Actually, Cap One does have this weird rule that you have to have an "offer" of a QS before they will PC your other cards to it. I have a lot of goodwill for Capital One, despite a lot of people not liking them. They were the first to give me credit when I was rebuilding, and while currently they are by no means my best cards, I still used the heck out of them in my recent Europe trip. You really can't beat no-hassle rewards in terms of the convenience and speed of getting your cashback.

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Xorand
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Postby Xorand » Tue Sep 16, 2014 9:03 am

CarefulBuilder14 wrote:Ouch! CO/Orchard certainly knows/knew the value of an old account to some cardholders. Were you ever able to get the $59 waived?


I paid it yearly for several years until I upgraded to the QS. The rep did tell me that if I had recently paid my annual fee that they would refund it to me after making the QS switch (it was several months ago). The former Orchard card I closed had just paid the $39 annual fee and they did refund that one.
AmEx - Platinum (NPSL) , Blue Cash Preferred ($19,000), Gold Delta Skymiles ($8,500)
Chase - Sapphire Preferred ($14,000), Disney ($11,500), Amazon.com ($9,000), Freedom ($8,000)
CapOne - QuickSilver ($7,250) / Platinum Rewards ($7,250)

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sicasun
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Posts: 62
Joined: Tue Jan 29, 2013 12:09 am
Location: TX, USA

Postby sicasun » Tue Sep 16, 2014 10:22 am

yfan wrote:Actually, Cap One does have this weird rule that you have to have an "offer" of a QS before they will PC your other cards to it. I have a lot of goodwill for Capital One, despite a lot of people not liking them. They were the first to give me credit when I was rebuilding, and while currently they are by no means my best cards, I still used the heck out of them in my recent Europe trip. You really can't beat no-hassle rewards in terms of the convenience and speed of getting your cashback.


Ahhh so like there would be an "eligible offer" on file for you or something? Interesting. I'm glad CapitalOne is stepping up their game recently. I've never had a bad experience with them, but nothing great either until now :) Can't wait for my QuickSilver card!

Chase Sapphire Preferred | 09/2014 | $10,300
Chase Sapphire | 05/2010 | $5,000
Chase Freedom | 01/2013 | $5,500
CapitalOne Quicksilver | 01/2013 | $2,500
American Express TrueEarnings | 08/2014 | $5,500
Victoria's Secret Angel Card | 04/2011 | $600

FICO | 09/2014 | Experian 738 | Equifax 706 | TransUnion 701

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CarefulBuilder14
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Postby CarefulBuilder14 » Tue Sep 16, 2014 11:37 am

Xorand wrote:I paid it yearly for several years until I upgraded to the QS. The rep did tell me that if I had recently paid my annual fee that they would refund it to me after making the QS switch (it was several months ago). The former Orchard card I closed had just paid the $39 annual fee and they did refund that one.


And since you were getting offers to PC the lower-limit cards, you had assumed they would be sending offers to PC the high limit one, too, if it was possible?

I'm guessing these offers only started coming in the last few months? Or had you been getting the PC offers for more than a year?
Wallet: Prestige CSP SchwabPlat Freedom It Hyatt SallieMae AAPlat
SD: Arrival BrooksBros BCE ED IHG
Letting new accounts cool off since May
Really not sure what I'll add next or when



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