topic Re: Cap One in Credit Cards

Cap One

Anonymous — Fri, 29 Apr 2016 17:48:00 GMT

I opened a Cap One QS1 in Jan 16, with a SL of 300, and after third month hit the luv button and rewcieved a 3000 CLI, then last week I upgraded to the Venture card. I really wanted a metal card, lol and I travel a lot. I want to upgrade to a World version , hopefully next month adter my credit steps hits. Would be it be easiest to contact EO? Any help would be appreciated? Thanks!!

Re: Cap One

Anonymous — Fri, 29 Apr 2016 18:01:04 GMT

@Anonymous wrote:
I opened a Cap One QS1 in Jan 16, with a SL of 300, and after third month hit the luv button and rewcieved a 3000 CLI, then last week I upgraded to the Venture card. I really wanted a metal card, lol and I travel a lot. I want to upgrade to a World version , hopefully next month adter my credit steps hits. Would be it be easiest to contact EO? Any help would be appreciated? Thanks!!

you can contact customer service, and btw the venture is not metal is a regular plastic credit card

Re: Cap One

Pway — Fri, 29 Apr 2016 18:03:39 GMT

@Anonymous wrote:
I opened a Cap One QS1 in Jan 16, with a SL of 300, and after third month hit the luv button and rewcieved a 3000 CLI, then last week I upgraded to the Venture card. I really wanted a metal card, lol and I travel a lot. I want to upgrade to a World version , hopefully next month adter my credit steps hits. Would be it be easiest to contact EO? Any help would be appreciated? Thanks!!

There has to be upgrades available when you contact Capital One. It seems that you just upgraded to the Venture. I believe you have to have a 5k or better line to get the WEMC, WMC. No I would not bother the EO with a request like this.

It seems as you have opened this account in January, your credit steps will not kick in til June or July.

Re: Cap One

UncleB — Fri, 29 Apr 2016 18:17:11 GMT

@Anonymous wrote:
I opened a Cap One QS1 in Jan 16, with a SL of 300, and after third month hit the luv button and rewcieved a 3000 CLI, then last week I upgraded to the Venture card. I really wanted a metal card, lol and I travel a lot. I want to upgrade to a World version , hopefully next month adter my credit steps hits. Would be it be easiest to contact EO? Any help would be appreciated? Thanks!!

Congratulations on your upgrade to a Venture, and on your significant CLI!

For a short time Capital One issued metal Venture cards to some people as a test, but people have reported that when inquiring further the test is now over, and it is not possible to issue a metal card even with intervention from the EO team.

Regardless of the composition of the physical card, you have a very nice account with good rewards... again, congrats!

Re: Cap One

Anonymous — Fri, 29 Apr 2016 18:23:16 GMT

Thanks for the information! I really appreciate it

Re: Cap One

Anonymous — Fri, 29 Apr 2016 19:16:19 GMT

The easiest way to get a WMC from them is to do a PC (to QS, Venture or VentureOne) after your limit is over $5,000. The EO route is much harder to get it done for some reason.

I just did this twice this month, once a QS1 -> QS upgrade on one card and a couple of days ago on a QS -> VentureOne. What happened both times is something triggers in the system and they got issued as WMC's during the PC.

They only allow PC's once every 6 months. In 6 months, I'm planning on changing the V1 back to a QS and from my understanding, once it's issued as a WMC, it stays that way in their system.

Re: Cap One

TimeLBK — Fri, 29 Apr 2016 19:30:51 GMT

@Anonymous wrote:
I opened a Cap One QS1 in Jan 16, with a SL of 300, and after third month hit the luv button and rewcieved a 3000 CLI, then last week I upgraded to the Venture card. I really wanted a metal card, lol and I travel a lot. I want to upgrade to a World version , hopefully next month adter my credit steps hits. Would be it be easiest to contact EO? Any help would be appreciated? Thanks!!

Wow! Congrats! How much usage did you put on the QS1 and did you pay more than the minimum or paid in full each month?

Re: Cap One

Anonymous — Fri, 29 Apr 2016 19:44:57 GMT

Thanks! I would put around 1500 a month, mulitple payments and always PIF I'm hoping for a large credit steps increase as well!

Also is a chage to World Mastercard a PC? Thanks

Re: Cap One

UncleB — Fri, 29 Apr 2016 19:53:52 GMT

@Anonymous wrote:
Thanks! I would put around 1500 a month, mulitple payments and always PIF I'm hoping for a large credit steps increase as well!

Also is a chage to World Mastercard a PC? Thanks

PC stand for "Product Change" and is generally thought of as changing from Quicksilver to Venture, for example. If you PC a Capital One MasterCard with a credit line over $5k, most people report being upgraded to a 'World' MasterCard as part of the PC.

Having a MasterCard changed to a World MasterCard without changing the product type seems to be a bit more elusive for most people.

Re: Cap One

Anonymous — Fri, 29 Apr 2016 19:58:36 GMT

Thanks.. That makes more sense !

Re: Cap One

Anonymous — Sat, 30 Apr 2016 01:52:29 GMT

As far as the credit limits for World Master Card and World Elite Master Card, I am not sure what the minimum credit limit is. I have a Citi Double Cash World Elite MC with a 3.7k limit and a Barclaycard Arrival World Master Card with a 3k limit. BOTH are no annual fee cards.

Goodl luck!

Re: Cap One

Anonymous — Sat, 30 Apr 2016 01:55:58 GMT

Also, my Venture and Quicksilver are Visa Signatures, are the Master Cards better with these two Cap One cards? I didn't even know you could get Master Cards with the Venture and QS....

Venture 15k

Quicksilver 10k

QS1 4.25k (reg MC)

Re: Cap One

UncleB — Sat, 30 Apr 2016 02:00:24 GMT

@Anonymous wrote:
Also, my Venture and Quicksilver are Visa Signatures, are the Master Cards better with these two Cap One cards? I didn't even know you could get Master Cards with the Venture and QS....

Venture 15k
Quicksilver 10k
QS1 4.25k (reg MC)

The Quicksilver and Venture cards are only open to new applications as a Visa, but if you have a MasterCard with Capital One it is sometimes possible to get your existing account product changed (PC'd) to a Quicksilver or Venture. That's how I got my own Quicksilver MasterCard (it was previously a Quicksilver One MasterCard, and a Orchard Bank Platinum card before that).

Also, with Capital One if you PC a MasterCard with a credit line of $5k or higher to a different card type, generally the new card will come as a 'World' MasterCard.

Re: Cap One

Anonymous — Sat, 30 Apr 2016 02:03:57 GMT

That actually makes a lot of sense. That sounds like a good avenue for my 4.25k QS1, so after it hits 5k I'll give 'em a call....and loose the lousy AF!