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Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Cap 1 - Product Change


RockinRay wrote:

I was able to product change from the Venture (fee) to the Cash Rewards card today with the 1% plus 50% year end bonus.

 

It was no problem to make this switch and I like the cash rewards as we do not travel that much. The 50% year end bonus will enable this card to fit quite well in to my portfolio. It will replace my USAA WMC as my everyday spending card.

 

For travel cards, I still have my Chase Southwest Visa as well as my Delta Amex Gold. I do not mind paying the annual fees on these two cards.

 

YMMV - but this PC was super easy for me.


CONGRATS!!

 

Always nice to hear somebody getting some Cap1 rare luv!

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
0

Re: Cap 1 - Product Change

[ Edited ]

I never asked for CLI it kinda went up on it's own. I do remember at one point I got 2 or 3k CLI and that was the end of it.

My Cap1 is Visa Platinum if that means anything and the account was opened in 2005.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


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Senior Contributor
jsucool76
Posts: 3,780
Registered: ‎12-11-2011
0

Re: Cap 1 - Product Change


DeadSpider wrote:

I never asked for CLI it kinda went up on it's own. I do remember at one point i got 2 or 3k CLI and that was the end of it.


Damn, I hope they treat me like that. Haha :smileyvery-happy: 

;
New Contributor
ItchyAppFingers
Posts: 96
Registered: ‎07-31-2012
0

Re: Cap 1 - Product Change

+1
My Current Plastic: {Amazon Store Card} {Amazon Visa} {Amex Zync} {Amex Gold PRG} {Amex BCE} {Bloomingdales} {BOA 123 Cash Rewards} {Capital One Platinum Visa} {Chase Freedom Visa} {Discover IT} {Kohls} {Macy's} {Nordstrom} {SonyCard Visa} {Target RedCard}
Mega Contributor
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

Re: Cap 1 - Product Change

I've pretty much given up on any upgrades with cap1, they'll get my recurring charges and that's it.



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
RockinRay
Posts: 1,947
Registered: ‎08-13-2007
0

Re: Cap 1 - Product Change


LS2982 wrote:

RockinRay wrote:

I was able to product change from the Venture (fee) to the Cash Rewards card today with the 1% plus 50% year end bonus.

 

It was no problem to make this switch and I like the cash rewards as we do not travel that much. The 50% year end bonus will enable this card to fit quite well in to my portfolio. It will replace my USAA WMC as my everyday spending card.

 

For travel cards, I still have my Chase Southwest Visa as well as my Delta Amex Gold. I do not mind paying the annual fees on these two cards.

 

YMMV - but this PC was super easy for me.


CONGRATS!!

 

Always nice to hear somebody getting some Cap1 rare luv!

 


Thanks! I have found them very easy to work with...  :smileyhappy:

Ray

** Every Card has a Job, and Every Card does its Job **

Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
0

Re: Cap 1 - Product Change

Ive beenthinking of PC as well but not sure which to pick VentureOne or Cash Rewards hmmmmmm ?
I think Cash Rewards looks good.

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


Take the FICO Fitness Challenge
Senior Contributor
jsucool76
Posts: 3,780
Registered: ‎12-11-2011
0

Re: Cap 1 - Product Change

I like the cash rewards, you technically get more cash back then you would miles (since you end up getting 1.5% as opposed to 1.25 with the venture one), but if you travel than the miles would be more useful. I just like that they post the rewards immediately, and through perk central you can earn up to 15% bonus rewards at some stores. 

 

With that limit if they PC you you might get the Visa Sig version of cash rewards. 

;
Regular Contributor
DeadSpider
Posts: 244
Registered: ‎07-29-2012
0

Re: Cap 1 - Product Change

What does the Visa Sig version of cash rewards do ? And is it someting i need to ask if they do agree to PC ?

Cap1 QS $11500, Freedom $5000K, Slate $8000 Amex Sky $2000K, Discover IT $4400, BCE $8800, NFL $1500, Lowes $7000

Starting Score: 0
Current Score: 742
Goal Score: 800


Take the FICO Fitness Challenge
Senior Contributor
jsucool76
Posts: 3,780
Registered: ‎12-11-2011
0

Re: Cap 1 - Product Change

I would ask about it. Visa sig cards have all the visa sig benefits (it's the top level visa card available in the US). It's a NPSL card, and it's just cool. :smileytongue: 

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