topic Re: Capital One QS1 to QS PC... Finally! in Credit Cards

Capital One QS1 to QS PC... Finally!

UncleB — Mon, 06 Nov 2017 11:43:21 GMT

Somebody call the preacher... I think hell just froze over!

I was bored, and figured I'd try the Capital One chat again just to see if by some chance I would have a different result in having my QS1 changed to a no-AF Quicksilver. The account will be nine years old in a few months, and has a legacy annual fee of $79 which they have consistently refused to waive. The best I've been able to do is get half of it credited back after the fact, which leaves me with a fee of $39.50, which is still higher than a new QS1 card holder would pay.

I've been trying for literally years now to get something done about that AF; each time I've been told "there are no offers available on your account". The last time I tried was during the holidays... I was given the usual 'no' and encouraged to try back in a few weeks, but otherwise I was exactly where I started.

Fast-forward to today, I figured I would give it a try just to see what would happen. I fully expected to be told 'no' once again, and in a few months to simply merge the QS1 into my newer QS Visa Signature before the AF is due and call it a day. Since I would really prefer to retain the older account due to it's age I decided to give it another go.

This time was different... a product change was available!

My account could be PC'd to either the Venture One or the Quicksilver, so of course I chose the Quicksilver. My credit limit is only $3900, so I might have cost myself a chance at a World MasterCard by not waiting until it was over $5k, but that's OK... my main objective was to be able to retain the card with no AF, which I've now accomplished.

The APR on this card is a relatively low 15.15% (compared to my QS Visa at 18.15%) so the thought has crossed my mind to combine the QS Visa and keep the MasterCard, but there are balance transfer options on the Visa that the MasterCard doesn't get, so for now I'll just leave them where they are. It's something I can always revisit in the future, though.

I'm putting this here instead of in approvals since it really only involves an annual fee, and my primary purpose is to provide a data point regarding a QS1 to QS upgrade. This account was an Orchard Bank/HSBC account before it was converted to Capital One, and until now I thought that the account's humble beginnings would forever hold it back. If you've been trying to get your own card upgraded, don't give up... I'm proof that they can "change their mind"!

Note: My online profile still shows a QS1 MasterCard, but the CSR said it would take 2-3 days for the change to be complete so I guess this is to be expected.

Edit: Corrected APR

Re: Capital One QS1 to QS PC... Finally!

galahad15 — Wed, 17 Feb 2016 20:31:17 GMT

Congrats!

Re: Capital One QS1 to QS PC... Finally!

baller4life — Wed, 17 Feb 2016 20:32:21 GMT

Good job!! Your persistence paid off!

Re: Capital One QS1 to QS PC... Finally!

Anonymous — Wed, 17 Feb 2016 20:35:30 GMT

Re: Capital One QS1 to QS PC... Finally!

UncleB — Wed, 17 Feb 2016 20:38:35 GMT

@galahad15 wrote:
Congrats!

Thanks!

@baller4life wrote:
Good job!! Your persistence paid off!

Yeah, I guess sometimes persistence does pay!

I have to admit, though, this time around I kind of felt like Morgan Freeman's character at the parole hearing in Shawshank Redemption... I (almost) didn't care anymore, but I wanted to at least 'try' so I would know I had done everything possible.

Low and behold my card got paroled! LOL

Re: Capital One QS1 to QS PC... Finally!

UncleB — Wed, 17 Feb 2016 20:41:00 GMT

@Anonymous wrote:

I love it!!

Re: Capital One QS1 to QS PC... Finally!

Creditdreamer — Wed, 17 Feb 2016 23:23:56 GMT

@UncleB wrote:

Yeah, I guess sometimes persistence does pay!

Low and behold my card got paroled! LOL

"So you go on and stamp your form, sonny, and stop wasting my time. Because to tell you the truth, I don't give a ...."

Love it. And congrats finally!

Re: Capital One QS1 to QS PC... Finally!

Creditdreamer — Wed, 17 Feb 2016 21:07:21 GMT

Your thread encouraged me to try to PC my Platinum to a QS no AF again. I've tried probably three times in the last couple months (I've had the card for about 4 months). One time they told me they would do it, then transferred me and the new rep said that I didn't have an offer. Confusing. But anyway........

APPROVED. Yay! Now I have two QS Mastercards. My plan is to keep trying for CLIs and then wait about a year or year and a half from opening and then combine. We'll see how it goes.

Re: Capital One QS1 to QS PC... Finally!

DeeBee78 — Wed, 17 Feb 2016 21:11:50 GMT

Congrats! My QS1 just got converted to a no-AF QS WMC as well. Maybe the tides are changing at Capital One!

Re: Capital One QS1 to QS PC... Finally!

Anonymous — Wed, 17 Feb 2016 21:17:33 GMT

Nicely done, UncleB! And congrats to all y'all!

Re: Capital One QS1 to QS PC... Finally!

cjd — Wed, 17 Feb 2016 22:07:20 GMT

Congrats! I just did mine this morning.

Re: Capital One QS1 to QS PC... Finally!

Anonymous — Wed, 17 Feb 2016 22:09:08 GMT

Congrats! I tried and tried and tried to PC my old QS1, (formerly Orchard Bank). Finally gave up and closed it. A few months later Cap One started their limit combining thing.

Re: Capital One QS1 to QS PC... Finally!

UncleB — Wed, 17 Feb 2016 22:20:47 GMT

@Anonymous wrote:
Congrats! I tried and tried and tried to PC my old QS1, (formerly Orchard Bank). Finally gave up and closed it. A few months later Cap One started their limit combining thing.

That's the crazy part... I got the QS Visa last March with the intention of closing the QS1 altogether. Then just as the AF came due in July, they started allowing the 'combination', but the new QS Visa was only four months old at the time - two months shy of the required six months to qualify to be 'combined'. Since it was literally a 'near miss' I decided to 'suck it up' and pay the half AF one more time (they agreed to waive half again).

It worked out OK I guess... so far, I'm still getting CLIs on each card individually (the last time was $1k on each) and now that there's no AF on the QS1 I actually ended up where I wanted to be, but with a now one-year old Visa Sig as well.

I'm sorry you missed the combining with your old Orchard... I do know the feeling indirectly, though - I applied for Sallie Mae just before it was closed to new apps... just to find out I was blacklisted due to an old Juniper account from years ago. That would have truly been a nice addition, but 'it is what it is'... LOL.

Re: Capital One QS1 to QS PC... Finally!

UncleB — Wed, 17 Feb 2016 22:25:01 GMT

@Creditdreamer wrote:
Your thread encouraged me to try to PC my Platinum to a QS no AF again. I've tried probably three times in the last couple months (I've had the card for about 4 months). One time they told me they would do it, then transferred me and the new rep said that I didn't have an offer. Confusing. But anyway........

APPROVED. Yay! Now I have two QS Mastercards. My plan is to keep trying for CLIs and then wait about a year or year and a half from opening and then combine. We'll see how it goes.

That's awesome! I always love to hear how something I've posted has helped somebody else!

@cjd wrote:
Congrats! I just did mine this morning.

Congrats to you as well! One less AF is just more $$$ we get to keep!

@Anonymous wrote:
Nicely done, UncleB! And congrats to all y'all!

Thanks! It took them a while to come around, but they finally did!

Re: Capital One QS1 to QS PC... Finally!

Anonymous — Wed, 17 Feb 2016 22:30:29 GMT

BIG Congrats to you!!

Re: Capital One QS1 to QS PC... Finally!

Anonymous — Wed, 17 Feb 2016 22:32:27 GMT

@UncleB wrote:
@galahad15 wrote:
Congrats!
Thanks!

@baller4life wrote:
Good job!! Your persistence paid off!
Yeah, I guess sometimes persistence does pay!

I have to admit, though, this time around I kind of felt like Morgan Freeman's character at the parole hearing in Shawshank Redemption... I (almost) didn't care anymore, but I wanted to at least 'try' so I would know I had done everything possible.

Low and behold my card got paroled! LOL

Re: Capital One QS1 to QS PC... Finally!

Anonymous — Wed, 17 Feb 2016 22:33:07 GMT

@UncleB wrote:
@Anonymous wrote:
I love it!!

Amen!

Re: Capital One QS1 to QS PC... Finally!

Anonymous — Wed, 17 Feb 2016 22:35:19 GMT

@Creditdreamer wrote:
Your thread encouraged me to try to PC my Platinum to a QS no AF again. I've tried probably three times in the last couple months (I've had the card for about 4 months). One time they told me they would do it, then transferred me and the new rep said that I didn't have an offer. Confusing. But anyway........

APPROVED. Yay! Now I have two QS Mastercards. My plan is to keep trying for CLIs and then wait about a year or year and a half from opening and then combine. We'll see how it goes.

Congrats!

Re: Capital One QS1 to QS PC... Finally!

Anonymous — Wed, 17 Feb 2016 22:36:00 GMT

@DeeBee78 wrote:
Congrats! My QS1 just got converted to a no-AF QS WMC as well. Maybe the tides are changing at Capital One!

I'm glad you were able to get in on the love too!

Re: Capital One QS1 to QS PC... Finally!

Anonymous — Wed, 17 Feb 2016 22:37:41 GMT

@cjd wrote:
Congrats! I just did mine this morning.

Congrats!