topic Re: Capital One PC Denied. Boo hiss. in Credit Cards

Capital One PC Denied. Boo hiss.

Anonymous — Mon, 19 Nov 2018 01:18:44 GMT

I got my CO Platinum about 45 days ago. I didn't think to apply for the QS1, even though I'm pre-qualified, because my credit self-esteem was in the toilet after a bout of unemployment and charge-offs. Anyhoo, $1,000 limit, so really REALLY good for the Platinum. I realized, also, that I would already have gotten $25 cash back had I chosen the QS1. I knew it was a long-shot, since the account is so new, but why not? So I checked the upgrade link. Nothin'. Chatted up the rep and got this canned verbiage:

Unfortunately, we aren't able to upgrade every account to any Capital One product we offer. We're constantly making new options available, so you can always check back in a few weeks to see if new offers are available.

**bleep** does that mean? If the above means I will NEVER be able to upgrade that card, or that it will take a year or more to MAYBE do so, it's going in the sock drawer as soon as I get something better.

Re: Capital One PC Denied. Boo hiss.

Hex — Mon, 19 Nov 2018 01:35:08 GMT

It’s a good thing they didn’t let you “upgrade” to the QS1 because it has an annual fee that will end up costing you more than the sign up bounus (if you plan to keep the card more than a year). You want to upgrade to the regular QS. Keep checking and they will eventually let you upgrade.

Re: Capital One PC Denied. Boo hiss.

kdm31091 — Mon, 19 Nov 2018 01:52:32 GMT

If there's one thing about Capital One, they are generally not known for quick results on things like this. At the minimum you will probably have to use the account as is for 6+ months before they will change anything (CLI, PC, etc).

It's only been 45 days, not even two statements. Just give it some time.

Re: Capital One PC Denied. Boo hiss.

Anonymous — Mon, 19 Nov 2018 01:55:04 GMT

@Hex wrote:
It’s a good thing they didn’t let you “upgrade” to the QS1 because it has an annual fee that will end up costing you more than the sign up bounus (if you plan to keep the card more than a year). You want to upgrade to the regular QS. Keep checking and they will eventually let you upgrade.

Agreed, I would take the Platinum over QS1 every time, give it a few more months and you should see the path to QS. With QS1 you would be stuck paying that AF for a long time to come with no PC path, arguably the worst card in CapOne lineup.

Re: Capital One PC Denied. Boo hiss.

FireMedic1 — Mon, 19 Nov 2018 02:16:31 GMT

Slow down grasshopper. Got to let things age and show Cap1 some responsible use. Then hit the PC Upgrade link. Stay far away from as I call it the brick QS1. You'll get the QS in time.

Re: Capital One PC Denied. Boo hiss.

Brian_Earl_Spilner — Mon, 19 Nov 2018 02:25:17 GMT

@kdm31091 wrote:
If there's one thing about Capital One, they are generally not known for quick results on things like this. At the minimum you will probably have to use the account as is for 6+ months before they will change anything (CLI, PC, etc).

It's only been 45 days, not even two statements. Just give it some time.

Not true. I upgraded my platinum to a normal quicksilver in 3 or 4 months. Cap1 bases their decisions off of 3 months history.

Re: Capital One PC Denied. Boo hiss.

Brian_Earl_Spilner — Mon, 19 Nov 2018 02:26:47 GMT

@Anonymous wrote:
@Hex wrote:
It’s a good thing they didn’t let you “upgrade” to the QS1 because it has an annual fee that will end up costing you more than the sign up bounus (if you plan to keep the card more than a year). You want to upgrade to the regular QS. Keep checking and they will eventually let you upgrade.
Agreed, I would take the Platinum over QS1 every time, give it a few more months and you should see the path to QS. With QS1 you would be stuck paying that AF for a long time to come with no PC path, arguably the worst card in CapOne lineup.

I hate my QS1. Only reason I haven't combined it is I got the AF waived, so 1 more year of history before getting rid of it.

Re: Capital One PC Denied. Boo hiss.

Anonymous — Mon, 19 Nov 2018 05:13:34 GMT

If you got the card 45 days ago, it would take awhile for them to upgrade you to another card. Now you gotta show build a relationship with Capital One and let your account age a little, then try again. I'd personally wait like 6 months because you JUST opened an account with them but you can try whenever, I guess. Good luck tho.

Re: Capital One PC Denied. Boo hiss.

ChargedUp — Mon, 19 Nov 2018 05:20:00 GMT

My wife PC'd her platinum to QS after about 4 months. You are wise for not getting yourself into at annual fee bucket in the beginning.

Re: Capital One PC Denied. Boo hiss.

Anonymous — Wed, 05 Dec 2018 16:17:20 GMT

Boo Hiss Indeed.
I have had a QS since.... oh... let's see.... 2013.

Plenty of use and history.

I attempted today to PC it to a Savor One.

No dice.

But, guess what? I can change it into a Venture. Um, hello, I already have a Venture card?

Try again in a few months.

Capital One annoys me.

Re: Capital One PC Denied. Boo hiss.

Anonymous — Wed, 05 Dec 2018 16:30:35 GMT

I have yet to see a successful PC to either Savor or Savor One since the release of the new Savor card, I doubt it has anything to do with your profile, I think path is simply not available yet. It took months when the original Savor was released for that path to open, even then it was not available on the upgrade link, you had to call in and ask.

Re: Capital One PC Denied. Boo hiss.

HeavenOhio — Wed, 05 Dec 2018 16:33:15 GMT

@Anonymous, there haven't been any PCs to Savor or SavorOne since the new cards became available in August.

The situation was similar with the previous Savor. Then after a few months, PC offers were suddenly widespread. Given that, I'd bet on Savor and SavorOne offers becoming available sometime in the spring.

Re: Capital One PC Denied. Boo hiss.

blazerein — Wed, 05 Dec 2018 18:51:17 GMT

I received the same message when I do the chat but before my 4th statement I got approved for Quicksilver with no AF. I run my balance around $800 a month on a 1K limit then paid in full.

Re: Capital One PC Denied. Boo hiss.

Anonymous — Wed, 05 Dec 2018 22:06:06 GMT

I know it is tough but you will get there. It took me a while to go from Cap 1 Platinum to QS.

It will happen, just use your cards, pay them off, on time and they will reward you with an upgrade. Don't give up!

Re: Capital One PC Denied. Boo hiss.

Anonymous — Thu, 06 Dec 2018 23:16:17 GMT

The QS in my siggy was originally a platinum. I just looked, I opened it in May 2017 and PC’d before my September statement cut so within 4 months I had it PC’d. I started checking for offers after 2 statements but the option didn’t come up until after 3 statements for me.

Re: Capital One PC Denied. Boo hiss.

CivalV — Thu, 06 Dec 2018 23:38:10 GMT

I believe you can PC with Cap 1 once your account is 6 months old. I PC my platinum to QS as well as my platinum unsecured to a QS1 in September. So in February I can check for another PC. Hoping I can PC the QS to a Venture or Savor by then.

Same for CLIs. Has to be 6 months in between CLIs. If anyone has some information to add to this, that would be great.