topic Re: Capital One check for upgrade link in Credit Cards

Capital One check for upgrade link

MyLoFICO — Thu, 04 May 2017 15:00:04 GMT

So I chatted up Cap One on my moms behalf to see if there was an upgrade option to her QS1 to QS. The rep said no and told me I could check any time for offers. I asked how and he said just click the link "Upgrade Now" once you login. I do not have this link so he sent me the url. I used it on my moms account and it shows she is eligible for the QS1. I used it on mine and it shows no upgrades. I have never seen this option on my login page so I don't know if this is common knowledge or not. But, either way, here ya go. I hope it helps someone.

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade

Edit: Oh my! 19 Kudos. I think that is the most ever for one of my posts. Super happy this is helping you all to get better cards!

Re: Capital One check for upgrade link

Anonymous — Sat, 29 Apr 2017 18:19:37 GMT

I just tried the link. I can upgrade my QS1 to QS. Rate stays the same. So does the credit limit. Card number stays the same as well. I gather the only benifit is no $39 AF.

Other than no AF, which is cool, what is the real upgrade?

Re: Capital One check for upgrade link

MyLoFICO — Sat, 29 Apr 2017 18:26:55 GMT

@Anonymous wrote:
I just tried the link. I can upgrade my QS1 to QS. Rate stays the same. So does the credit limit. Card number stays the same as well. I gather the only benifit is no $39 AF.

Other than no AF, which is cool, what is the real upgrade?

From my understanding the QS gets better CLI's than the QS1 and Platinum. Honestly, until others chime in with what it shows them, I really don't know what else the benefit might be. It hates me just like everything else Capital One and says nothing available. lol

Re: Capital One check for upgrade link

Anonymous — Sat, 29 Apr 2017 18:29:32 GMT

Does the account need to be opened for a certain amount of time before eligible for a product upgrade?

Re: Capital One check for upgrade link

MyLoFICO — Sat, 29 Apr 2017 18:34:32 GMT

@Anonymous wrote:
Does the account need to be opened for a certain amount of time before eligible for a product upgrade?

Good question. I don't know but I am sure someone who does will respond.

Re: Capital One check for upgrade link

Anonymous — Sat, 29 Apr 2017 19:03:14 GMT

Should I upgrade QS1 to QS then? And dump the AF?

Re: Capital One check for upgrade link

MyLoFICO — Sat, 29 Apr 2017 19:05:01 GMT

I would. QS > QS1. Annual fees are no bueno.

Re: Capital One check for upgrade link

Indycoltsfan — Sat, 29 Apr 2017 19:16:11 GMT

Thanks for the info! I was able to upgrade my QS1 to QS Rewards - no AF. Would not have known I could do it without the link - thanks again!

Re: Capital One check for upgrade link

MyLoFICO — Sat, 29 Apr 2017 19:24:16 GMT

@Indycoltsfan wrote:
Thanks for the info! I was able to upgrade my QS1 to QS Rewards - no AF. Would not have known I could do it without the link - thanks again!

Happy to help! And congrats! I am not sure Capital One is aware its not where they think it is. lol

Re: Capital One check for upgrade link

sunkissed — Sat, 29 Apr 2017 19:45:47 GMT

Thanks for the link!

I had a QuicksilverOne without an annual fee. I used the link and was able to upgrade to the Quicksilver. In practice, since I had no annual fee, nothing will change for me. However, I hope the move help me shed the sub-prime origins of the original card.

Re: Capital One check for upgrade link

Anonymous — Sat, 29 Apr 2017 19:58:12 GMT

Thanks for the info! I was able to upgrade my QS1 to QS R - NO AF.

Re: Capital One check for upgrade link

Anonymous — Sat, 29 Apr 2017 20:02:03 GMT

Yes, thanks for the link. I just upgraded also!

Re: Capital One check for upgrade link

austinguy907 — Sat, 29 Apr 2017 20:12:39 GMT

As much as I don't use my Cap1 that was carried over during the consolidation from HSBC this might incentivize people to switch their cards up and take advantage of the no inq PC and not have to deal with them over the phone. My carry over is a Platinum card with a fixed 13.xx% and the upgrade is a $0 / same CL/CC# 1.5% reward offer vs my 1% currently and a 14.74% APR.

I might have to start putting something on Cap1 since AMEX has halted me due to lack of spend at $50K and Disco is on the fence when it comes to CLI's at the moment and might get stuck at $48K for awhile. This will give me a new project to tinker with in the meantime and see if this thing can grow from $1500 where it has sat for I don't know how many years now between the 2 lenders.

Re: Capital One check for upgrade link

Anonymous — Sat, 29 Apr 2017 20:51:08 GMT

So I have two silly questions.
If I was to upgrade my QS1 to a QS would it keep the date of my older QS1 for the QS so my AAOA is not affected? And do they do Hard Inquires for an upgrade?
Thanks in advance.

Re: Capital One check for upgrade link

MyLoFICO — Sat, 29 Apr 2017 20:53:15 GMT

@Anonymous wrote:
So I have two silly questions.
If I was to upgrade my QS1 to a QS would it keep the date of my older QS1 for the QS so my AAOA is not affected? And do they do Hard Inquires for an upgrade?
Thanks in advance.

Nothin on your credit report changes. Same card #, same origination date, no hard pull.

Re: Capital One check for upgrade link

Anonymous — Sat, 29 Apr 2017 21:03:05 GMT

It already shows as a QS online!

Re: Capital One check for upgrade link

Anonymous — Sat, 29 Apr 2017 21:03:09 GMT

@MyLoFICO wrote:
@Anonymous wrote:
So I have two silly questions.
If I was to upgrade my QS1 to a QS would it keep the date of my older QS1 for the QS so my AAOA is not affected? And do they do Hard Inquires for an upgrade?
Thanks in advance.
Nothin on your credit report changes. Same card #, same origination date, no hard pull.

Perfect thanks.

Do you know if it will mess up my 0 percent APR I have until July? I clicked the link it it says I can upgrade but dont want to mess that up.

Re: Capital One check for upgrade link

Anonymous — Sat, 29 Apr 2017 21:05:19 GMT

Im also stuck in the rebuilder low limit they have. I wonder if upgrading will get me out of it or if it will remain the same. It sure would be great to get out of that. lol

Re: Capital One check for upgrade link

Indycoltsfan — Sat, 29 Apr 2017 21:06:08 GMT

"The standard Quicksilver® is meant for consumers with excellent credit, and theQuicksilverOne® is designed for people with average credit history (which comes at the price of $39 a year). Both credit cards give 1.5% cash back, but theQuicksilverOne® has an annual fee." Thanks, Google!

Re: Capital One check for upgrade link

MyLoFICO — Sat, 29 Apr 2017 21:06:32 GMT

@Anonymous wrote:
@MyLoFICO wrote:
@Anonymous wrote:
So I have two silly questions.
If I was to upgrade my QS1 to a QS would it keep the date of my older QS1 for the QS so my AAOA is not affected? And do they do Hard Inquires for an upgrade?
Thanks in advance.
Nothin on your credit report changes. Same card #, same origination date, no hard pull.
Perfect thanks.

Do you know if it will mess up my 0 percent APR I have until July? I clicked the link it it says I can upgrade but dont want to mess that up.

That I don't know. I don't think it will but no guarantees.