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Valued Contributor
Posts: 1,919
Registered: ‎11-17-2012
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Interesting, Very Interesting Capital One...

So I helped my brother reinstate his online banking on the Capital One site. I was shocked to see that his Journey card was magically a Visa Platinum. He never noticed either, and it's been like that for at least a year on his statements! Not only that, but he earns the no-hassle rewards on it, which is 1% cash back and an additional 25% back on cash rewards earned with on-time payments.

 

He barely uses that card. I was just shocked to know that all that changed! Who knows if he ever received the documents for it, but he said that he never received a Visa Platinum card in place of his Journey. Weird!

 

Oh, also got him to try to PC his card to the "Jimmy Fallon" card through chat. No go, but hey, 1.25% on a platinum ain't bad!

 

Just thought I'd start reporting in after a 2 week hiatus Smiley Wink between vacations, spending more time with family, friends, and my boyfriend, and getting back into my full-time work routine tended to leave me worn out practically every day! But it's good to be back!

Capital One Quicksilver World Mastercard $20k | JCPenney Gold $10k | Shell Drive for Five $800 | Chase Freedom Visa Signature $9.8k | TD Bank Easy Rewards Visa Signature $5k | Chase Sapphire Visa Signature $10k | American Express Blue Sky $13.7k | Discover IT $14.5k | SavingStar American Express $14.8k | American Express BCE $11.3k

FICOS: EX 755 EQ 717 TU 746 VantageScore 3.0: EX 738 EQ 743 TU 745 Credit Sesame (EX) 745 Credit.com (EX) 794 CapOne (TU) 787
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Senior Contributor
Posts: 27,607
Registered: ‎02-07-2013
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Re: Interesting, Very Interesting Capital One...


daybreakgonesXe wrote:

So I helped my brother reinstate his online banking on the Capital One site. I was shocked to see that his Journey card was magically a Visa Platinum. He never noticed either, and it's been like that for at least a year on his statements! Not only that, but he earns the no-hassle rewards on it, which is 1% cash back and an additional 25% back on cash rewards earned with on-time payments.

 

He barely uses that card. I was just shocked to know that all that changed! Who knows if he ever received the documents for it, but he said that he never received a Visa Platinum card in place of his Journey. Weird!

 

Oh, also got him to try to PC his card to the "Jimmy Fallon" card through chat. No go, but hey, 1.25% on a platinum ain't bad!

 

Just thought I'd start reporting in after a 2 week hiatus Smiley Wink between vacations, spending more time with family, friends, and my boyfriend, and getting back into my full-time work routine tended to leave me worn out practically every day! But it's good to be back!


Hi Ya daybreakgonesXe

We miss you at the Friday / party lol

The 1.25% is not bad at all

+ Chase ink =




Super Contributor
Posts: 11,201
Registered: ‎04-22-2013
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Re: Interesting, Very Interesting Capital One...


daybreakgonesXe wrote:

So I helped my brother reinstate his online banking on the Capital One site. I was shocked to see that his Journey card was magically a Visa Platinum. He never noticed either, and it's been like that for at least a year on his statements! Not only that, but he earns the no-hassle rewards on it, which is 1% cash back and an additional 25% back on cash rewards earned with on-time payments.

 

He barely uses that card. I was just shocked to know that all that changed! Who knows if he ever received the documents for it, but he said that he never received a Visa Platinum card in place of his Journey. Weird!

 

Oh, also got him to try to PC his card to the "Jimmy Fallon" card through chat. No go, but hey, 1.25% on a platinum ain't bad!

 

Just thought I'd start reporting in after a 2 week hiatus Smiley Wink between vacations, spending more time with family, friends, and my boyfriend, and getting back into my full-time work routine tended to leave me worn out practically every day! But it's good to be back!


I'm confused.  Doesn't the Journey also have the 1% + .25%?

Citi: Forward, AA Select Plat, Double Cash, Dividend. Chase: Amazon, Freedom, CSP. Cap One: 2 x QS. Penfed 2x Plat Rewards. US Bank: Cash Plus. Barclays: Arrival, SM. Amex: BC, BCE, ED. Nasa FCU. Ebates, FIA Fidelity Amex, Discover IT Miles.

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Interesting, Very Interesting Capital One...


daybreakgonesXe wrote:

So I helped my brother reinstate his online banking on the Capital One site. I was shocked to see that his Journey card was magically a Visa Platinum. He never noticed either, and it's been like that for at least a year on his statements! Not only that, but he earns the no-hassle rewards on it, which is 1% cash back and an additional 25% back on cash rewards earned with on-time payments.

 

He barely uses that card. I was just shocked to know that all that changed! Who knows if he ever received the documents for it, but he said that he never received a Visa Platinum card in place of his Journey. Weird!

 

Oh, also got him to try to PC his card to the "Jimmy Fallon" card through chat. No go, but hey, 1.25% on a platinum ain't bad!

 

Just thought I'd start reporting in after a 2 week hiatus Smiley Wink between vacations, spending more time with family, friends, and my boyfriend, and getting back into my full-time work routine tended to leave me worn out practically every day! But it's good to be back!


Did he get a CLI with the PC?




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
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Re: Interesting, Very Interesting Capital One...

Weird! My Visa Platinum from 2006 has 1.25% back on everything! Ive not seen many ppl w that
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Super Contributor
Posts: 11,201
Registered: ‎04-22-2013
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Re: Interesting, Very Interesting Capital One...


youngandcreditwrthy wrote:
Weird! My Visa Platinum from 2006 has 1.25% back on everything! Ive not seen many ppl w that

I have two Visa Plats dating 10-15 years.  For reasons I cannot recall, one was a No Hassle Cash, the other a No Hassle Miles.   At one point, one of them became a no rewards card (which of course I don't use), and the other became a 1.25% on everything (since converted to the 1% + .5% bonus)  So I suspect at one point all Plats of a certain type became the 1.25%, but there may not be many around now.

Citi: Forward, AA Select Plat, Double Cash, Dividend. Chase: Amazon, Freedom, CSP. Cap One: 2 x QS. Penfed 2x Plat Rewards. US Bank: Cash Plus. Barclays: Arrival, SM. Amex: BC, BCE, ED. Nasa FCU. Ebates, FIA Fidelity Amex, Discover IT Miles.

Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: Interesting, Very Interesting Capital One...

Think I got the rewards added to mine in 2011
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 910
Registered: ‎12-25-2010
0

Re: Interesting, Very Interesting Capital One...

Still have the 2% 2% 1% structure. Wanted to PC to Green Cash, but cs rep let me keep it and gave me a CLI and no fee....


Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
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BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
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