I am thinkng about my future with Capital One, I am wondering when the best time would be to call them to see if they can upgrade my card from the Classic Platinum to a Cash Rewards, I am also wondering when would be the best time to call and ask for the annual fee to be waived. Also when i call which number should i use, the front door? The Backdoor to the Account Speciallist? The backdoor to the Retentions? or the Backdoor to the Senior Esculation Account Manager? Below I have listed some information about the current cards I have. Some advice would be nice please. Thanks.
Capital One - Limit $300 AF $39 APR 22.9% Opened in January 2012 (Due to increase to $500 by July via Credit Steps program)
Amazon Store Card - $300 AF $0 APR: 25.9% Opened in Febuary 2012
Walmart Store Card - $300 AF $0 APR 22.9% Opened in Febuary 2012
Paypal Smart Connect - $400 AF $0 APR 26.9% Opened in Late Febuary 2012 (Recently got a paypal debit card to convert smart connect into a credit card to use whereever mastercard is accecpted.)
Total Credit $1,300
linux007969 wrote:I am thinkng about my future with Capital One, I am wondering when the best time would be to call them to see if they can upgrade my card from the Classic Platinum to a Cash Rewards, I am also wondering when would be the best time to call and ask for the annual fee to be waived. Also when i call which number should i use, the front door? The Backdoor to the Account Speciallist? The backdoor to the Retentions? or the Backdoor to the Senior Esculation Account Manager? Below I have listed some information about the current cards I have. Some advice would be nice please. Thanks.
Capital One - Limit $300 AF $39 APR 22.9% Opened in January 2012 (Due to increase to $500 by July via Credit Steps program)
Amazon Store Card - $300 AF $0 APR: 25.9% Opened in Febuary 2012
Walmart Store Card - $300 AF $0 APR 22.9% Opened in Febuary 2012
Paypal Smart Connect - $400 AF $0 APR 26.9% Opened in Late Febuary 2012 (Recently got a paypal debit card to convert smart connect into a credit card to use whereever mastercard is accecpted.)
Total Credit $1,300
Call the bolded number, and I would wait until 1 month before the yearmark hits to discuss upgrades/AF waiving.
LS2982 wrote:
linux007969 wrote:I am thinkng about my future with Capital One, I am wondering when the best time would be to call them to see if they can upgrade my card from the Classic Platinum to a Cash Rewards, I am also wondering when would be the best time to call and ask for the annual fee to be waived. Also when i call which number should i use, the front door? The Backdoor to the Account Speciallist? The backdoor to the Retentions? or the Backdoor to the Senior Esculation Account Manager? Below I have listed some information about the current cards I have. Some advice would be nice please. Thanks.
Capital One - Limit $300 AF $39 APR 22.9% Opened in January 2012 (Due to increase to $500 by July via Credit Steps program)
Amazon Store Card - $300 AF $0 APR: 25.9% Opened in Febuary 2012
Walmart Store Card - $300 AF $0 APR 22.9% Opened in Febuary 2012
Paypal Smart Connect - $400 AF $0 APR 26.9% Opened in Late Febuary 2012 (Recently got a paypal debit card to convert smart connect into a credit card to use whereever mastercard is accecpted.)
Total Credit $1,300
Call the bolded number, and I would wait until 1 month before the yearmark hits to discuss upgrades/AF waiving.
Thanks! 
linux007969 wrote:I am thinkng about my future with Capital One, I am wondering when the best time would be to call them to see if they can upgrade my card from the Classic Platinum to a Cash Rewards, I am also wondering when would be the best time to call and ask for the annual fee to be waived. Also when i call which number should i use, the front door? The Backdoor to the Account Speciallist? The backdoor to the Retentions? or the Backdoor to the Senior Esculation Account Manager? Below I have listed some information about the current cards I have. Some advice would be nice please. Thanks.
Capital One - Limit $300 AF $39 APR 22.9% Opened in January 2012 (Due to increase to $500 by July via Credit Steps program)
Amazon Store Card - $300 AF $0 APR: 25.9% Opened in Febuary 2012
Walmart Store Card - $300 AF $0 APR 22.9% Opened in Febuary 2012
Paypal Smart Connect - $400 AF $0 APR 26.9% Opened in Late Febuary 2012 (Recently got a paypal debit card to convert smart connect into a credit card to use whereever mastercard is accecpted.)
Total Credit $1,300
Future and Capital One just can't be included in the same sentence unless it includes roasting marshmallows with the flames of your worthless Capital One card in a year or so 
Creditaddict wrote:
linux007969 wrote:I am thinkng about my future with Capital One, I am wondering when the best time would be to call them to see if they can upgrade my card from the Classic Platinum to a Cash Rewards, I am also wondering when would be the best time to call and ask for the annual fee to be waived. Also when i call which number should i use, the front door? The Backdoor to the Account Speciallist? The backdoor to the Retentions? or the Backdoor to the Senior Esculation Account Manager? Below I have listed some information about the current cards I have. Some advice would be nice please. Thanks.
Capital One - Limit $300 AF $39 APR 22.9% Opened in January 2012 (Due to increase to $500 by July via Credit Steps program)
Amazon Store Card - $300 AF $0 APR: 25.9% Opened in Febuary 2012
Walmart Store Card - $300 AF $0 APR 22.9% Opened in Febuary 2012
Paypal Smart Connect - $400 AF $0 APR 26.9% Opened in Late Febuary 2012 (Recently got a paypal debit card to convert smart connect into a credit card to use whereever mastercard is accecpted.)
Total Credit $1,300
Future and Capital One just can't be included in the same sentence unless it includes roasting marshmallows with the flames of your worthless Capital One card in a year or so
I would like there to be a future because they are the first that gave me credit and it will be my longest opened account, so i will try to stay with them as long as i can and hope for the best. They have been good so far, they take my payments and post everything correctly so i am happy with them, but i hope to upgrade if i can.
redbeard1939 wrote:Capital One just upgraded my Platinum to the Cash card. After nearly 2 years of me calling and asking for a card upgrade/CLI and always having them say no, I got an email a few days ago saying to call up and upgrade.
I don't want to wait 2 years if at all possible, on their application process it defines someone with excellent credit as someone who is never late, no bankrup, and has had a credit card for 3 years or more. I'm sure this plays a role in why it takes a while to upgrade their customers. If all of this is true then i may have to wait 3 years, i guess will wait and see what happens later on this year when i call them.
KingAdrock wrote:
Wait, Cap One does upgrades now? What I'd always read here and been told by CSRs is the only way to "upgrade" is to app for a whole new card and then combine. Since when did they start doing PCs?
My cap one is my oldest account, like OP, but it's a worthless starter card with the lowest CL and highest APR of all my cards. I keep it for history but it's essentially permenantly sockdrawered until I can turn it into something useful.
KingAdrock, Have you asked for a credit limit increase? also how long have you had the card?
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
