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Capital One Upgrade it or close

Frequent Contributor

Re: Capital One Upgrade it or close

Since this was your first card, I would recommend you keep it. My oldest credit card is capital one and all my credit increases come from me reaching out the the Executive office. A frew months agao my Limit was raised and I PC to the Quicksilver card. 


Starting Score: 500s
Current Score: EQ: 708myFICO(7/15/17), TU: 721myFICO(7/15/17), EX: 701myFICO(7/15/17)
Goal Score: 750

Wallet: Discover IT $50300, Capital One Platinum $17000, Barclays Rewards $6700, Walmart $6000, Amazon Store Card $6000 Chase Sapphire Preferred $5000, Chase Sapphire Reserve $10000, Bank of America Cash Rewards $500. BestBuy $10000
Message 11 of 19
Frequent Contributor

Re: Capital One Upgrade it or close

Upgrade it. Heart

Capital One QS1, Capital One Journey, Williams-Sonoma Visa, Amex Travelocity, Chase Slate, Amex SPG, Amex Blue Sky, Bank of America Travel Rewards, JCPenney...and more ( Holy Spirit rocks-!! ) TU-Fico-777
Message 12 of 19
Frequent Contributor

Re: Capital One Upgrade it or close

Can I just call and say hey can you just give me the QS card and swap it out. That way I get the better card, I keep my five years with them on my CR but don't have to actually "add" another Cap One to my wallet.
Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Message 13 of 19
Moderator

Re: Capital One Upgrade it or close


LShawn08 wrote:
Can I just call and say hey can you just give me the QS card and swap it out. That way I get the better card, I keep my five years with them on my CR but don't have to actually "add" another Cap One to my wallet.

Yes.  Just ask if you can PC (product change) your current card to the QS. 



Start: 619 (TU08, 9/2013) | Current: 791 (TU08, 12/1/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Discover IT $20000 | Macy's Store $20000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 11/2/17
Message 14 of 19
Frequent Contributor

Re: Capital One Upgrade it or close

 
Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Message 15 of 19
Frequent Contributor

Re: Capital One Upgrade it or close

Success! Upgraded, no AF and lowered my APR to 13%.
Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Message 16 of 19
Moderator

Re: Capital One Upgrade it or close


LShawn08 wrote:
Success! Upgraded, no AF and lowered my APR to 13%.

Congrats!   I hope it's a more useful card for you now!



Start: 619 (TU08, 9/2013) | Current: 791 (TU08, 12/1/17)
Sam's Club MC $25000 | Marvel MC $25000 | Macy's AMEX $25000 | AMEX BCE $20400 | Discover IT $20000 | Macy's Store $20000 | Cap 1 QS WMC $17250 | BoA BBR #1 $17200 | JCP $15000 | Citi DC $12600 | Freedom VS $12000 | BofA BBR #2 $11800 | Disney VS $11500 | Care Credit MC $11200 | Cash+ VS $10500 | CashForward WMC $10000 | Barclay Rewards WMC $10000 | WCU Visa $10000 | Amazon Store $8000 | Blispay $7500 | Target MC $5000 | Sony Card $4250 | ~~Gardening Since 11/2/17
Message 17 of 19
Moderator

Re: Capital One Upgrade it or close


LShawn08 wrote:
Success! Upgraded, no AF and lowered my APR to 13%.

That's awesome, congrats!!

 

Message 18 of 19
Highlighted
Frequent Contributor

Re: Capital One Upgrade it or close

Does anyone actually know what is the limit Max on a QS card ? Great, dandy it's now converted to a better card but will they give me the okie dole and still not raise my credit limit ? Or am I having the Cap One paranoia ?
Starting Score:TU:791(Dec3), EX:783, EQ:000
Current Score: TU:786(Aug9), EX:776, EQ:782 (Aug8)
Goal Score:820 across all boards






If all pork chops were perfect, we wouldn't have hot dogs! -Steven Universe
Message 19 of 19