I love Capital One

Rebuilder2016 · ‎03-21-2016

62 days and CLI on Platnium Card from $500 to $1500!!!

Anonymous · ‎03-21-2016

Indeed, they are one of the best.

Anonymous · ‎03-21-2016

I have a secured card with Capital One. How many statements should I wait until applying for an unsecured card?

kjm79 · ‎03-21-2016

@Rebuilder2016 wrote:
62 days and CLI on Platnium Card from $500 to $1500!!!

Rebuilder,

I bet you have a strong chance of PC'ing your Platinum to the Quicksilver. You should try it. Go online and open up a chat sesson with a rep. Tell them you wanted to see if there was an offer to upgrade your Platinum to the Quicksilver. It takes 5 mins, maybe, and no hard pull. The Quicksilver will give you rewards and no AF. Their Quicksilver is one of their "prime" cards and will grow much more than one of the "sub prime" cards, like the Platinum.

CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16

Rebuilder2016 · ‎03-21-2016

Thank you!!! Should I combine my QS 1 with my Platinum before I try this? Also I'm in credit steps program and will receive auto increase at six months...Should I wait?

kjm79 · ‎03-21-2016

No. It won't mess with your credit steps CLI. I'd try to PC the Platinum to the QS. You keep the same account number and account opening date, you just get a better card. Then when you get the QS combine the QS One into the QS.

CH 7 Filed 7/27/15 Discharged 11/16/15
Starting Score: EQ 620 TU 568 EX 593
Current Score (07/13/16): EQ 674 TU 649 EX 674 (FICO's 08)
Cap1 QS ($5350) (Combined QS and QS1) Discover It ($4100) MilStar ($8,600) Fingerhut ($800)
Off to the garden 05/01/16

Anonymous · ‎03-22-2016

kjm79 wrote:
No. It won't mess with your credit steps CLI. I'd try to PC the Platinum to the QS. You keep the same account number and account opening date, you just get a better card. Then when you get the QS combine the QS One into the QS.

+1

EXACTAMUNDO!!!

That is the process to a tee.

Anonymous · ‎03-22-2016

Awesome!!!! I just got my Platinum and my QS1 in the mail this month. Both have $500 limits i plan to run every penny i can thru them both in 60 days to hoepfully hep me when i hit that LUV button!!! Congrats again!!!

Anonymous · ‎03-22-2016

That's awesome. In my younger days, I had Cap1 and messed up. Took care of it, and 7 years later I am trying to rebuild. I am at a very good stage in my career. I have the Platinum Mastercard. Hoping to get a CLI ( just to have, not to use) within 6-8 months. Thanks to Cap1 for giving me a second chance, trying to rebuild my credit now that I am married with a career (and not 18 and stupid).