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Established Member
Posts: 33
Registered: ‎08-26-2016

Re: Capital One check for upgrade link

Thanks for the info!  I was able to upgrade my QS1 to QS R - NO AF. 

Valued Member
Posts: 45
Registered: ‎03-04-2017

Re: Capital One check for upgrade link

Yes, thanks for the link. I just upgraded also!

Valued Contributor
Posts: 2,667
Registered: ‎03-03-2008

Re: Capital One check for upgrade link

As much as I don't use my Cap1 that was carried over during the consolidation from HSBC this might incentivize people to switch their cards up and take advantage of the no inq PC and not have to deal with them over the phone.  My carry over is a Platinum card with a fixed 13.xx% and the upgrade is a $0 / same CL/CC# 1.5% reward offer vs my 1% currently and a 14.74% APR.

 

I might have to start putting something on Cap1 since AMEX has halted me due to lack of spend at $50K and Disco is on the fence when it comes to CLI's at the moment and might get stuck at $48K for awhile.  This will give me a new project to tinker with in the meantime and see if this thing can grow from $1500 where it has sat for I don't know how many years now between the 2 lenders.

If you're going to whine about it, then you need to do something about it!
If you play the odds on CC's then the rules of Vegas will come into play and the House always wins and you don't own the House
http://ficoforums.myfico.com/t5/Credit-Cards/Discover-unOfficial-Data-Points/td-p/4802538 http://ficoforums.myfico.com/t5/Credit-Cards/AMEX-helpful-links/m-p/4802617 www.depositaccounts.com go under checking / reward checking https://refer.discover.com/s/uya7c https://www.creditscorecard.com/registration
Frequent Contributor
Posts: 427
Registered: ‎09-22-2016

Re: Capital One check for upgrade link

So I have two silly questions.
If I was to upgrade my QS1 to a QS would it keep the date of my older QS1 for the QS so my AAOA is not affected? And do they do Hard Inquires for an upgrade? 
Thanks in advance.

Gardening from 6/2017 to ??
Valued Contributor
Posts: 2,046
Registered: ‎02-05-2016

Re: Capital One check for upgrade link


cgardencredit1 wrote:

So I have two silly questions.
If I was to upgrade my QS1 to a QS would it keep the date of my older QS1 for the QS so my AAOA is not affected? And do they do Hard Inquires for an upgrade? 
Thanks in advance.


Nothin on your credit report changes. Same card #, same origination date, no hard pull. 


Experian: 674 (33) | TransUnion: 694 (34) | Equifax: 692 (6)
Gardening as of: 5-30-2017
Updated 9-14-17
Valued Member
Posts: 45
Registered: ‎03-04-2017

Re: Capital One check for upgrade link

It already shows as a QS online!

Frequent Contributor
Posts: 427
Registered: ‎09-22-2016

Re: Capital One check for upgrade link


MyLoFICO wrote:

cgardencredit1 wrote:

So I have two silly questions.
If I was to upgrade my QS1 to a QS would it keep the date of my older QS1 for the QS so my AAOA is not affected? And do they do Hard Inquires for an upgrade? 
Thanks in advance.


Nothin on your credit report changes. Same card #, same origination date, no hard pull. 


Perfect thanks.

Do you know if it will mess up my 0 percent APR I have until July? I clicked the link it it says I can upgrade but dont want to mess that up.

Gardening from 6/2017 to ??
Frequent Contributor
Posts: 427
Registered: ‎09-22-2016
0 Kudos

Re: Capital One check for upgrade link

Im also stuck in the rebuilder low limit they have. I wonder if upgrading will get me out of it or if it will remain the same. It sure would be great to get out of that. lol

Gardening from 6/2017 to ??
Regular Contributor
Posts: 163
Registered: ‎09-13-2012

Re: Capital One check for upgrade link

"The standard Quicksilver® is meant for consumers with excellent credit, and theQuicksilverOne® is designed for people with average credit history (which comes at the price of $39 a year). Both credit cards give 1.5% cash back, but theQuicksilverOne® has an annual fee." Thanks, Google!

Valued Contributor
Posts: 2,046
Registered: ‎02-05-2016

Re: Capital One check for upgrade link


cgardencredit1 wrote:

MyLoFICO wrote:

cgardencredit1 wrote:

So I have two silly questions.
If I was to upgrade my QS1 to a QS would it keep the date of my older QS1 for the QS so my AAOA is not affected? And do they do Hard Inquires for an upgrade? 
Thanks in advance.


Nothin on your credit report changes. Same card #, same origination date, no hard pull. 


Perfect thanks.

Do you know if it will mess up my 0 percent APR I have until July? I clicked the link it it says I can upgrade but dont want to mess that up.


That I don't know. I don't think it will but no guarantees. 


Experian: 674 (33) | TransUnion: 694 (34) | Equifax: 692 (6)
Gardening as of: 5-30-2017
Updated 9-14-17

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