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Regular Contributor
Posts: 240
Registered: ‎08-13-2011
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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.
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Frequent Contributor
Posts: 301
Registered: ‎11-21-2013
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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
Frequent Contributor
Posts: 291
Registered: ‎03-20-2014
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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, EX:783, EQ:000
Current Score: TU:791 (Dec 9), EQ:000, EX:783 (Jan 2)
Goal Score: 820


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Moderator
Posts: 5,872
Registered: ‎08-12-2013
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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: 740 (Wally, 4/7/15)
AMEX BCE $13500 | Care Credit $10200 | JCP $8000 | Overstock $5500 | Citi DC WMC $5000 | Walmart Store $5000 | Amazon Store $5000 | Cap 1 QS $4750 | AMEX Costco TE $3500 | Macy's AMEX $3500 | Sony Card $3250 | Macy's Special Events $2900 | Macy's Revolving $2500 | CU Visa $2500 | Gold Violin $1750 | VS $1450 | Merrick $1200 | Target $1000 | ~~Gardening Since 3/17/15
Frequent Contributor
Posts: 291
Registered: ‎03-20-2014
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Re: Capital One Upgrade it or close

 
Starting Score: TU:791, EX:783, EQ:000
Current Score: TU:791 (Dec 9), EQ:000, EX:783 (Jan 2)
Goal Score: 820


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Frequent Contributor
Posts: 291
Registered: ‎03-20-2014
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Re: Capital One Upgrade it or close

Success! Upgraded, no AF and lowered my APR to 13%.
Starting Score: TU:791, EX:783, EQ:000
Current Score: TU:791 (Dec 9), EQ:000, EX:783 (Jan 2)
Goal Score: 820


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Moderator
Posts: 5,872
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: 740 (Wally, 4/7/15)
AMEX BCE $13500 | Care Credit $10200 | JCP $8000 | Overstock $5500 | Citi DC WMC $5000 | Walmart Store $5000 | Amazon Store $5000 | Cap 1 QS $4750 | AMEX Costco TE $3500 | Macy's AMEX $3500 | Sony Card $3250 | Macy's Special Events $2900 | Macy's Revolving $2500 | CU Visa $2500 | Gold Violin $1750 | VS $1450 | Merrick $1200 | Target $1000 | ~~Gardening Since 3/17/15
Community Leader
Super Contributor
Posts: 6,545
Registered: ‎09-22-2012
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Re: Capital One Upgrade it or close


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

That's awesome, congrats!!

 

Frequent Contributor
Posts: 291
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 ?
Starting Score: TU:791, EX:783, EQ:000
Current Score: TU:791 (Dec 9), EQ:000, EX:783 (Jan 2)
Goal Score: 820


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