topic Re: Product Change or CLI? in Credit Card Applications

Product Change or CLI?

jayman2143 — Fri, 02 Jan 2015 04:02:29 GMT

Hey everyone,

Here's my current situation: My first card ever was the Capital One Journey card that I was approved for when I was in college with a $750 limit. That was 4 years ago and since then I have moved on to much better cards IMO. I have not used my Journey card since December of 2013 and it currently has a credit limit of $2,750, my lowest limit out of all 4 cards. I was considering requesting a product change to the Quicksilver card but the rewards don't seem to be that big of a difference.

Do you guys think I should request a product change or just request a CLI on my current Journey card?! I can't seem to decide!

Re: Product Change or CLI?

Anonymous — Fri, 02 Jan 2015 04:03:38 GMT

@jayman2143 wrote:
Hey everyone,

Here's my current situation: My first card ever was the Capital One Journey card that I was approved for when I was in college with a $750 limit. That was 4 years ago and since then I have moved on to much better cards IMO. I have not used my Journey card since December of 2013 and it currently has a credit limit of $2,750, my lowest limit out of all 4 cards. I was considering requesting a product change to the Quicksilver card but the rewards don't seem to be that big of a difference.

Do you guys think I should request a product change or just request a CLI on my current Journey card?! I can't seem to decide!

Why not both at the same time?

Re: Product Change or CLI?

1GaDawg85 — Fri, 02 Jan 2015 04:06:56 GMT

Both?

Re: Product Change or CLI?

Creditwiser — Fri, 02 Jan 2015 04:07:26 GMT

Both, get a rep on chat and ask for both. Tell them what a great customer youve been,

Re: Product Change or CLI?

Anonymous — Fri, 02 Jan 2015 04:16:29 GMT

@Anonymous wrote:
@jayman2143 wrote:
Hey everyone,

Here's my current situation: My first card ever was the Capital One Journey card that I was approved for when I was in college with a $750 limit. That was 4 years ago and since then I have moved on to much better cards IMO. I have not used my Journey card since December of 2013 and it currently has a credit limit of $2,750, my lowest limit out of all 4 cards. I was considering requesting a product change to the Quicksilver card but the rewards don't seem to be that big of a difference.

Do you guys think I should request a product change or just request a CLI on my current Journey card?! I can't seem to decide!
Why not both at the same time?

Re: Product Change or CLI?

jayman2143 — Fri, 02 Jan 2015 04:19:09 GMT

Well this is embarrassing! I honestly did not even think to ask for both. I'm also rather surprised that there online chat feature is available right now (11:20PM EST). Unless its overseas?

Re: Product Change or CLI?

Anonymous — Fri, 02 Jan 2015 04:20:08 GMT

@jayman2143 wrote:
Well this is embarrassing! I honestly did not even think to ask for both. I'm also rather surprised that there online chat feature is available right now (11:20PM EST). Unless its overseas?

I'm more surprised when I get a CapOne rep that ISN'T overseas.

Re: Product Change or CLI?

jayman2143 — Fri, 02 Jan 2015 04:26:00 GMT

@Anonymous wrote:
@jayman2143 wrote:
Well this is embarrassing! I honestly did not even think to ask for both. I'm also rather surprised that there online chat feature is available right now (11:20PM EST). Unless its overseas?
I'm more surprised when I get a CapOne rep that ISN'T overseas.

Yeah, you're right. How do you like your QuickSilver card? I really don't deal a lot with CapitalOne and in the past I only used the card for small purchases (gas). Hopefully it's worth the change

Re: Product Change or CLI?

Anonymous — Fri, 02 Jan 2015 04:27:44 GMT

@jayman2143 wrote:
@Anonymous wrote:
@jayman2143 wrote:
Well this is embarrassing! I honestly did not even think to ask for both. I'm also rather surprised that there online chat feature is available right now (11:20PM EST). Unless its overseas?
I'm more surprised when I get a CapOne rep that ISN'T overseas.
Yeah, you're right. How do you like your QuickSilver card? I really don't deal a lot with CapitalOne and in the past I only used the card for small purchases (gas). Hopefully it's worth the change

It's fine if you don't have better rewards options. Unfortunately for me, I applied for their cards when my credit wasn't as good and i'm stuck in rebuilder hell with them.

Re: Product Change or CLI?

jayman2143 — Fri, 02 Jan 2015 04:37:54 GMT

@Anonymous wrote:
@jayman2143 wrote:
@Anonymous wrote:
@jayman2143 wrote:
Well this is embarrassing! I honestly did not even think to ask for both. I'm also rather surprised that there online chat feature is available right now (11:20PM EST). Unless its overseas?
I'm more surprised when I get a CapOne rep that ISN'T overseas.
Yeah, you're right. How do you like your QuickSilver card? I really don't deal a lot with CapitalOne and in the past I only used the card for small purchases (gas). Hopefully it's worth the change
It's fine if you don't have better rewards options. Unfortunately for me, I applied for their cards when my credit wasn't as good and i'm stuck in rebuilder hell with them.

As in low limits/High interest rates?

Re: Product Change or CLI?

Anonymous — Fri, 02 Jan 2015 04:40:28 GMT

Agreed, Jay! Do both!

Re: Product Change or CLI?

Anonymous — Fri, 02 Jan 2015 04:41:28 GMT

@jayman2143 wrote:
@Anonymous wrote:
@jayman2143 wrote:
@Anonymous wrote:
@jayman2143 wrote:
Well this is embarrassing! I honestly did not even think to ask for both. I'm also rather surprised that there online chat feature is available right now (11:20PM EST). Unless its overseas?
I'm more surprised when I get a CapOne rep that ISN'T overseas.
Yeah, you're right. How do you like your QuickSilver card? I really don't deal a lot with CapitalOne and in the past I only used the card for small purchases (gas). Hopefully it's worth the change
It's fine if you don't have better rewards options. Unfortunately for me, I applied for their cards when my credit wasn't as good and i'm stuck in rebuilder hell with them.
As in low limits/High interest rates?

$3,000 on my QS Visa, $4,000 my QS WMC.

Both at pretty high APR's.

Re: Product Change or CLI?

jayman2143 — Fri, 02 Jan 2015 04:50:42 GMT

@Anonymous wrote:
@jayman2143 wrote:
@Anonymous wrote:
@jayman2143 wrote:
@Anonymous wrote:
@jayman2143 wrote:
Well this is embarrassing! I honestly did not even think to ask for both. I'm also rather surprised that there online chat feature is available right now (11:20PM EST). Unless its overseas?
I'm more surprised when I get a CapOne rep that ISN'T overseas.
Yeah, you're right. How do you like your QuickSilver card? I really don't deal a lot with CapitalOne and in the past I only used the card for small purchases (gas). Hopefully it's worth the change
It's fine if you don't have better rewards options. Unfortunately for me, I applied for their cards when my credit wasn't as good and i'm stuck in rebuilder hell with them.
As in low limits/High interest rates?
$3,000 on my QS Visa, $4,000 my QS WMC.

Both at pretty high APR's.

I can't speak from experience but, from what I have read, it seems like CapitalOne does not offer very high limit. Or at least limits that I have seen with other credit companies.

That chat feature was pretty quick and painless! Upgraded my card to the QuickSilver and I am going to request a CLI shortly.

Re: Product Change or CLI?

jayman2143 — Tue, 06 Jan 2015 02:41:59 GMT

Well, my request for a CLI was denied due to lack of use with the current credit limit. I guess that's what happens when you don't use a card for a year