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Regular Contributor
somotao
Posts: 229
Registered: ‎08-13-2011
0

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: 693myFICO(9/7/12), TU: 710myFICO(9/2/12), EX Plus:701(lp,4/16/12)
Goal Score: 700

Wallet: Discover IT $2000, Capital One Platinum $12000, Barclays Rewards $4700, Walmart $2600, Amazon Store Card $1250.
Keep the Hearth of your Thoughts Pure, by so doing you will be Happy and bring Peace!
New Contributor
JoshuaHolySpirit
Posts: 116
Registered: ‎11-21-2013
0

Re: Capital One Upgrade it or close

Upgrade it. :heart:

Regular Contributor
LShawn08
Posts: 222
Registered: ‎03-20-2014
0

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.
Senior Contributor
SunriseEarth
Posts: 4,043
Registered: ‎08-12-2013
0

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 (Wally, 9/2013) | Current: 669 (Wally, 10/6/14), 703 (EQ myFICO 8/13/14)
Care Credit $10200 | Walmart Store $5000 | AMEX BCE $4500 | Cap 1 QS1 $4000 | JCP $3900 | AMEX Costco TE $3500 | Macy's Special Events $2900 | CU Visa $2500 | Sony Card $2500 | Amazon Store $1800 | Citi DC WMC $1200 | Macy's Revolving $1200 | Merrick $1200 | Target $1000 | VS $850 | Gold Violin $850 ~~Gardening Since 8/28/14
Regular Contributor
LShawn08
Posts: 222
Registered: ‎03-20-2014
0

Re: Capital One Upgrade it or close

 
Regular Contributor
LShawn08
Posts: 222
Registered: ‎03-20-2014
0

Re: Capital One Upgrade it or close

Success! Upgraded, no AF and lowered my APR to 13%.
Senior Contributor
SunriseEarth
Posts: 4,043
Registered: ‎08-12-2013
0

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 (Wally, 9/2013) | Current: 669 (Wally, 10/6/14), 703 (EQ myFICO 8/13/14)
Care Credit $10200 | Walmart Store $5000 | AMEX BCE $4500 | Cap 1 QS1 $4000 | JCP $3900 | AMEX Costco TE $3500 | Macy's Special Events $2900 | CU Visa $2500 | Sony Card $2500 | Amazon Store $1800 | Citi DC WMC $1200 | Macy's Revolving $1200 | Merrick $1200 | Target $1000 | VS $850 | Gold Violin $850 ~~Gardening Since 8/28/14
Senior Contributor
B335is
Posts: 4,124
Registered: ‎09-22-2012
0

Re: Capital One Upgrade it or close


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

That's awesome, congrats!!

 

Regular Contributor
LShawn08
Posts: 222
Registered: ‎03-20-2014
0

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 ?

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