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Finally pc'd from platinum capital one to quicksilver oh how sweet it is!!!!

Established Member

Re: Finally pc'd from platinum capital one to quicksilver oh how sweet it is!!!!

A measly 500 it is the rebuilder card that they offered but no longer do got bumped to from 100 dollars to 500 in July they say I have to wait 6 mo but the representative said I had an offer to upgrade my card weird no cli but can upgrade my card should app for a cli but probably will get denied
Message 11 of 16
Contributor

Re: Finally pc'd from platinum capital one to quicksilver oh how sweet it is!!!!

I have a Platinum right now that I've only had for two months. How long do you typically need to hold your Platinum for and what is the usual credit score needed to get upgraded to a Quicksilver (NOT Quicksilver One)?
Message 12 of 16
Valued Contributor

Re: Finally pc'd from platinum capital one to quicksilver oh how sweet it is!!!!


Cheesepuffs wrote:
I have a Platinum right now that I've only had for two months. How long do you typically need to hold your Platinum for and what is the usual credit score needed to get upgraded to a Quicksilver (NOT Quicksilver One)?

I PC'd my Platinum to QS MC after my 1st statement cut, but I've heard of some even doing it before. I don't think it's a credit score thing, just depends on if they have that offer on your account when you ask. My DH tried before his 1st statement and it wasn't there. I used the chat feature to do mine. YMMV but I would go for it! 

Current Scores------ EQ 684; TU 653; EX 688 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 13 of 16
Member

Re: Finally pc'd from platinum capital one to quicksilver oh how sweet it is!!!!

Just wanted to be clear here, when you do this it does NOT close the acct and open a new one, correct? Id love to get my cap one AF off my back but its my oldest card at 14 years and I do not want to ding my AAOA just to save $36 a year, especially since I will be mortgage shopping 2 years from now... So I want to be totally sure its the same line of credit with the same history after they make the switch.

START 10/1/16: 633 EX free check.
Current CK 653/651 (will start paying for myFico after I get my cards paid down... )
GOAL 10/1/20: 800+ (yeah... I wont make it, but aim high and do what you can.)
Message 14 of 16
Regular Contributor

Re: Finally pc'd from platinum capital one to quicksilver oh how sweet it is!!!!

Yes, your account remains the same age and history wise.  Your account number stays the same too.  Only thing that changes are the terms to the new card: fees, rewards, etc.  To everyone else and on your credit report, nothing has changed....

Starting score 3/31/15 CK 552/572. Current score 10/28/17 CK 751/748.
FICO TU (Barclay, 10/17) 704; FICO EQ (Citi, 9/26) 697, FICO EX (FCS, 10/28) 697.
Message 15 of 16
Valued Contributor

Re: Finally pc'd from platinum capital one to quicksilver oh how sweet it is!!!!


coldstorage wrote:

Just wanted to be clear here, when you do this it does NOT close the acct and open a new one, correct? Id love to get my cap one AF off my back but its my oldest card at 14 years and I do not want to ding my AAOA just to save $36 a year, especially since I will be mortgage shopping 2 years from now... So I want to be totally sure its the same line of credit with the same history after they make the switch.


It is the same account, and the account number doesn't change. It is the same line of credit on your CR.

Current Scores------ EQ 684; TU 653; EX 688 FICO 08--- Gardening from 09/07/17 until "Winter is Over"
Beginning Scores-- EQ 632; TU 576; EX 619 FICO 08 (06/13/16) - BK7 discharged 11/2015

Take the myFICO Fitness Challenge
Message 16 of 16