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Hi again everyone
I was wondering how freely credit card companies allow its card holders to switch, gradudate, and upgrade between their cards.
I plan on applying for a student card soon from one of these issuers to start building my credit, however, will I be able to graduate from a student card to a full-fledged card? I also noticed by lurking on the forums that some members have been able to upgrade from totally different cards (capital one platinum to quicksilver) and I assume they don't lose their credit history/AAoA by upgrading this way.
So basically which of these three companies will allow me to grow the most (both CL and better tiered cards)
1. If I get a Discover IT card for students, will I be able to graduate to a regular IT card?
2. If I get a Citi Dividend for students, will I be able to gradudate to the regular Dividend card?
3. From the regular Citi Dividend card will I be able to upgrade to a Visa signature/MC World or will I have to apply separately?
4. Will the Capital One Journey student card (or the secured mastercard) be able to graduate to a unsecured Capital One mastercard?
5. I noticed that a member recently posted that his Capital One platinum mastercard was able to upgrade to a Quicksilver card. What do I do to replicate his steps?
EDIT: Which company do you recommend for an individual who dislikes opening/closing too many credit cards? (essentially, which company will allow me to open just 1 credit card and allow me to grow the most from it?)
Thanks everyone.
Would be great if anyone could shed even a tiny bit of info for me.
Thanks
@Jungook wrote:Hi again everyone
I was wondering how freely credit card companies allow its card holders to switch, gradudate, and upgrade between their cards.
I plan on applying for a student card soon from one of these issuers to start building my credit, however, will I be able to graduate from a student card to a full-fledged card? I also noticed by lurking on the forums that some members have been able to upgrade from totally different cards (capital one platinum to quicksilver) and I assume they don't lose their credit history/AAoA by upgrading this way.
So basically which of these three companies will allow me to grow the most (both CL and better tiered cards)
1. If I get a Discover IT card for students, will I be able to graduate to a regular IT card? yes
2. If I get a Citi Dividend for students, will I be able to gradudate to the regular Dividend card? yes
3. From the regular Citi Dividend card will I be able to upgrade to a Visa signature/MC World or will I have to apply separately? yes if you get to 5K
4. Will the Capital One Journey student card (or the secured mastercard) be able to graduate to a unsecured Capital One mastercard? no
5. I noticed that a member recently posted that his Capital One platinum mastercard was able to upgrade to a Quicksilver card. What do I do to replicate his steps? Call or email EO or facebook
EDIT: Which company do you recommend for an individual who dislikes opening/closing too many credit cards? (essentially, which company will allow me to open just 1 credit card and allow me to grow the most from it?)
Thanks everyone.
And the term is called PC not graduate only secured card graduate