topic Re: Changing a Quicksilver one to a Quicksilver in Credit Cards

Changing a Quicksilver one to a Quicksilver

Anonymous — Fri, 05 Feb 2016 15:03:04 GMT

Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.

Re: Changing a Quicksilver one to a Quicksilver

SouthJamaica — Fri, 05 Feb 2016 15:04:52 GMT

@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.

Just call and ask if there are any "upgrade offers" on your account. If you can convert it to a Quicksilver, they'll tell you.

Re: Changing a Quicksilver one to a Quicksilver

Anonymous — Fri, 05 Feb 2016 15:19:59 GMT

Im deaf so calling is not a great option, hence why I used chat. I can call using an internet relay service, but thought I'd ask here if there were special qualifiers before doing so.

Re: Changing a Quicksilver one to a Quicksilver

jacetx — Fri, 05 Feb 2016 15:58:11 GMT

I just converted one of my Ventures into a QS less than 10 minutes ago through chat. The account has been opened for 6 months, never gotten a CLI, and barely used it.

Re: Changing a Quicksilver one to a Quicksilver

Creditdreamer — Fri, 05 Feb 2016 19:49:08 GMT

I converted both mine and my fiance's Platinums into Quicksilvers (not QS One) after the first statement cut. They wouldn't let me do it before that. I think it depends on the person and the charges. I ran a bunch of money through the cards in the first month and paid multiple payments and didn't let the card cut with high utilization. So maybe that had something to do with it? I didn't get the elusive 3 statement CLI though. I'd rather get the rewards than the CLI anyway though.

Re: Changing a Quicksilver one to a Quicksilver

Anonymous — Fri, 05 Feb 2016 20:30:26 GMT

The card is 1 1/2 yrs old. $0 balance when I asked the chat rep. I've run plenty of $ thru it. Have let it report balances, and PIF, never late on payments, made multiple payments per month even. . Last CLI was in November. I'm going to call them via internet relay service and see if I can get a better answer than just, "It isnt elgibile." I'd like to know why.

Re: Changing a Quicksilver one to a Quicksilver

mitchblue — Fri, 05 Feb 2016 20:47:46 GMT

@Anonymous wrote:
The card is 1 1/2 yrs old. $0 balance when I asked the chat rep. I've run plenty of $ thru it. Have let it report balances, and PIF, never late on payments, made multiple payments per month even. . Last CLI was in November. I'm going to call them via internet relay service and see if I can get a better answer than just, "It isnt elgibile." I'd like to know why.

Sometimes just talking to a different person might help. Good luck.

Re: Changing a Quicksilver one to a Quicksilver

Anonymous — Fri, 05 Feb 2016 20:51:22 GMT

@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.

If im not mistaken Cap one does not PC from mastercard to visa. It wont happen.

Re: Changing a Quicksilver one to a Quicksilver

Anonymous — Fri, 05 Feb 2016 21:22:47 GMT

@Anonymous wrote:
@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.
If im not mistaken Cap one does not PC from mastercard to visa. It wont happen.

Must all Quicksilvers be Visa? I was under the impression you could convert a QS1 to a QS but it would remain a MasterCard. I've read so many different comments here and elsewhere, perhaps I'm mistaken.

Re: Changing a Quicksilver one to a Quicksilver

Officer737 — Fri, 05 Feb 2016 21:26:51 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.
If im not mistaken Cap one does not PC from mastercard to visa. It wont happen.
Must all Quicksilvers be Visa? I was under the impression you could convert a QS1 to a QS but it would remain a MasterCard. I've read so many different comments here and elsewhere, perhaps I'm mistaken.

If it's a Mastercard then when it gets converted it will stay a Mastercard, that is my understanding. I confirmed this a few nights ago when I PCed my QS 1 to a Venture One

Re: Changing a Quicksilver one to a Quicksilver

Creditdreamer — Fri, 05 Feb 2016 21:31:09 GMT

It stays a Mastercard. It is a Quicksilver Mastercard but still with all the same benefits as the QS Visa.

Re: Changing a Quicksilver one to a Quicksilver

babynurse06 — Sat, 06 Feb 2016 00:26:07 GMT

I think I would try chat again. I tried several times to convert mine from QS1 to QS and got nowhere. The last time I tried it, the representative told me that it couldn't be done at all. Ever. I replied that I knew that wasn't true and that my sister had pc'd her card in the last two weeks. He immediately "transferred" me to someone else who could help me with the upgrade and my card is now a QS WMC. ($5750 limit).

Re: Changing a Quicksilver one to a Quicksilver

SunriseEarth — Sat, 06 Feb 2016 00:38:17 GMT

@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.

PCs are somewhat at their whim. if you PCed within the last 6 months, then you wouldn't be eligible to PC until 6 months from the last PC. There is no limit from the date of approval. I was able to PC my VentureOne to QS before I even received my first statement.

As for MC and Visa, your card will retain its network. if you have a QS1 MC, it will remain MC when you PC. I currently have a V1 WMC due to this.

In regards to why you don't have an offer, what are you FICO scores like? What is your CL on your QS1?

Re: Changing a Quicksilver one to a Quicksilver

Anonymous — Sat, 06 Feb 2016 01:22:57 GMT

@SunriseEarth wrote:
@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.
PCs are somewhat at their whim. if you PCed within the last 6 months, then you wouldn't be eligible to PC until 6 months from the last PC. There is no limit from the date of approval. I was able to PC my VentureOne to QS before I even received my first statement.

As for MC and Visa, your card will retain its network. if you have a QS1 MC, it will remain MC when you PC. I currently have a V1 WMC due to this.

In regards to why you don't have an offer, what are you FICO scores like? What is your CL on your QS1?

Scores are TU 746, EX 711 EQ 686. Credit limit for this card is $850. It was my first card at the start of my rebuild. I kind of think I'm straddling in no man's land. I got a CLI of like $200 in November. My scores were mid 600's at the time. First of January my last negative was removed from my reports and my scores made big gains. So, they maybe haven't caught up to where I'm at score wise. I've got $1700 worth of balances that will come off once my other cards report by the end of February. Based on research and reading here and elsewhere I kind of feel like if I were some new customer and applied for a card with them, I'd get a heck of a lot more credit limit. My goal I suppose is a Venture card and probably will give that a shot as soon as everything reports for the month. My total utilization then will be less than 5% with just one card reporting something like 11%. My DTI will be less than 5% and my income is $70k. I just wanted to get this QS1 converted so there'd be no AF on it.

Re: Changing a Quicksilver one to a Quicksilver

Anonymous — Sat, 06 Feb 2016 01:23:37 GMT

I tried to PC my QuickSilver One to a QuickSilver multiple times through chat and EO. I was denied every time. EO told me that it wasn't possible due to my QuickSilver One being a MasterCard, stating that it couldn't be converted to a Visa product.

Re: Changing a Quicksilver one to a Quicksilver

OmarGB9 — Sat, 06 Feb 2016 01:39:22 GMT

I don't think they're understanding your request.

Re: Changing a Quicksilver one to a Quicksilver

sjt — Sat, 06 Feb 2016 01:51:23 GMT

@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.

I thought one of the considerations was that you have to have a minimum CL of $3K to switch to a regular QS but I ve read posts that folks have been able product change with a lower limit.

Re: Changing a Quicksilver one to a Quicksilver

Creditdreamer — Sat, 06 Feb 2016 01:55:45 GMT

My limit is $500 and same with fiancé's. So it's definitely possible at lower limits.

Re: Changing a Quicksilver one to a Quicksilver

Anonymous — Sat, 06 Feb 2016 01:56:29 GMT

@OmarGB9 wrote:
I don't think they're understanding your request.

I'm not sure how they could misunderstand. I stated in chat, "I'm inquiring to see if I can change/upgrade my 1 1/2 year old QS1 to a QS in order to avoid paying an AF. Can you help with that?" The chat rep stat, "No, you don't have any offers for that." I'm mainly curious what some reasons might be for them to deny. It's not the length of time I've had it. Others have done it way sooner. I don't owe anything on it. I've used it plenty. Paid it on time, every time, multiple times per month. It's not the MasterCard Visa thing as others have confirmed it will stay a Mastercard. As I stated, I am deaf or I'd just pick up a phone. Im going to call via internet relay and speak to someone and see what they say.

Re: Changing a Quicksilver one to a Quicksilver

SunriseEarth — Sat, 06 Feb 2016 02:08:44 GMT

@Anonymous wrote:
@SunriseEarth wrote:
@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.
PCs are somewhat at their whim. if you PCed within the last 6 months, then you wouldn't be eligible to PC until 6 months from the last PC. There is no limit from the date of approval. I was able to PC my VentureOne to QS before I even received my first statement.

As for MC and Visa, your card will retain its network. if you have a QS1 MC, it will remain MC when you PC. I currently have a V1 WMC due to this.

In regards to why you don't have an offer, what are you FICO scores like? What is your CL on your QS1?
Scores are TU 746, EX 711 EQ 686. Credit limit for this card is $850. It was my first card at the start of my rebuild. I kind of think I'm straddling in no man's land. I got a CLI of like $200 in November. My scores were mid 600's at the time. First of January my last negative was removed from my reports and my scores made big gains. So, they maybe haven't caught up to where I'm at score wise. I've got $1700 worth of balances that will come off once my other cards report by the end of February. Based on research and reading here and elsewhere I kind of feel like if I were some new customer and applied for a card with them, I'd get a heck of a lot more credit limit. My goal I suppose is a Venture card and probably will give that a shot as soon as everything reports for the month. My total utilization then will be less than 5% with just one card reporting something like 11%. My DTI will be less than 5% and my income is $70k. I just wanted to get this QS1 converted so there'd be no AF on it.

Score are fine for QS, but the CL is too low. Once you get that CL above $3K, you'll probably be able to PC. if you merely want to avoid the AF, you can request to waive it.