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Valued Contributor
Posts: 2,027
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 WMC $20k | JCPenney Platinum $10k | Shell Drive for Five $800 | Chase Freedom VS $5k | TD Bank Easy Rewards VS $5k | Chase Sapphire VS $14.8k | American Express Blue Sky $13.7k | Discover IT $24k | SavingStar American Express $14.8k | American Express BCE $11.3k | Macy's American Express $7.2k | Capital One BuyPower WEMC $7.5k FICOS: EX 793 EQ 746 TU 769 VantageScore 3.0: EX 760 EQ 756 TU 760
Community Leader
Senior Contributor
Posts: 30,749
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

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Super Contributor
Posts: 13,423
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%?

Mega Contributor
Posts: 15,453
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?




EQ FICO 548 3/3/16
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

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: 13,423
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.

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: 911
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
Goal Score: 800 Club

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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