topic Re: Cap1 Plat QS to WMC? in Credit Cards

Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 12:30:25 GMT

Okay so I have heard about this happening automatically but it isn’t for me.

I called Cap and asked about it and they said that the only offers they have are for me to go to Venture or VentureOne and that WMC upgrades are done when the system decides you’re eligible.

I have read an old thread that seems to suggest a PC will trigger this. Is this the case? I will gladly convert my card to VentureOne if that will trigger the WMC upgrade. I have no need for a travel card but I have no need for the QS either and since a Savor PC isn’t available, I could PC it to VentureOne now and then back to QS when it’s available again and that wouldn’t bother me much.

I have an $8250 limit, I don’t get why they haven’t done the upgrade, and also I don’t know if the One cards are WMC/WEMC either which could mean I would PC for nothing so if someone can confirm that VentureOne is WMC/WEMC as well that would be great.

I obviously wont do Venture with the AF.

Re: Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 13:05:48 GMT

Everything I can find says the Venture cards are Visa branded. I know the Savor cards are WEMC. Any reason you're interested in the WMC? Outside of extended price protection, it seems like a bunch of fluff, to be honest.

Re: Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 13:14:28 GMT

@Anonymous wrote:
Everything I can find says the Venture cards are Visa branded. I know the Savor cards are WEMC. Any reason you're interested in the WMC? Outside of extended price protection, it seems like a bunch of fluff, to be honest.

Honestly it’s the free ShopRunner. I want to close my SSFCU card and that’s quite frankly the only benefit that it affords me.

I wish Cap would make up their minds and stick with one company rather than flip-flopping between VISA and MC. I didn’t even factor the Venture = VISA Signature part which would mean the PC would backfire (my cashRewards can get the upgrade to Siggy if I call them about it, I’m just not really wanting it right now since it will give me a new CVV). Thanks for that bit!

I may well get a Savor if I can find a reason to spend $3000 but that wouldn’t be until next year when I go for a new TV and want both 0% interest and a decent discount on the purchase. 16.67% cash back in the form of a $500 SUB would definitely do the job lol.

Re: Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 13:40:54 GMT

Actually looking on the website, the only cards that have a logo on them are the Plat and Journey which are both MasterCard. The VentureOne specifically says “VISA or MasterCard” so I wonder if they would just keep me on the MasterCard network with a PC.

I may go for it, I am just leery about them messing something up and the history on my oldest card suddenly stops growing which would infuriate me since that’s the only reason I still have the card. It’s useless otherwise but I have a wallet full of 2018 cards and this one from 2014 so if I close it, I’m going to be in for a HUGE AAoA hit in 10 years.

Re: Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 14:18:13 GMT

Just to add data, my QS that was opened around 6 months ago is a Visa Signature.

Also, not sure it is an option, but FWIW the Amex BCP, and I believe BCE, come with free shoprunner. Cash Magnet comes with it as well.

Re: Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 14:21:17 GMT

@Anonymous wrote:
Just to add data, my QS that was opened around 6 months ago is a Visa Signature.

Also, not sure it is an option, but FWIW the Amex BCP, and I believe BCE, come with free shoprunner. Give me a sec, and I'll check the Cash Magnet.

I am blacklisted from Amex right now. I canceled my BCE before they even shipped it as I didn’t like the terms on the approval back in March ($1K SL vs Disco approving me for $7500 SL a few minutes later) and they shot me down for the card (on top of the no SUB pop up) in December with the only reason being FICO score - my Experian was actually higher in December than it was in March and people regularly get BCE $1K approvals below my scores.

The ShopRunner benefit isn’t a big deal either way - the vast majority of my shopping online is through Amazon and the free Dominos delivery, which is something I actually would use, is no longer a ShopRunner benefit.

I am just finding myself wanting to trim a bit and I’m very frustrated that I have three 1.5% cash back cards - QS, cashRewards, and SSFCU.

Re: Cap1 Plat QS to WMC?

CramEiko — Wed, 23 Jan 2019 14:32:02 GMT

@Anonymous wrote:
Okay so I have heard about this happening automatically but it isn’t for me.

I called Cap and asked about it and they said that the only offers they have are for me to go to Venture or VentureOne and that WMC upgrades are done when the system decides you’re eligible.

I have read an old thread that seems to suggest a PC will trigger this. Is this the case? I will gladly convert my card to VentureOne if that will trigger the WMC upgrade. I have no need for a travel card but I have no need for the QS either and since a Savor PC isn’t available, I could PC it to VentureOne now and then back to QS when it’s available again and that wouldn’t bother me much.

I have an $8250 limit, I don’t get why they haven’t done the upgrade, and also I don’t know if the One cards are WMC/WEMC either which could mean I would PC for nothing so if someone can confirm that VentureOne is WMC/WEMC as well that would be great.

I obviously wont do Venture with the AF.

Just out of curiosity. Could/Would this potentially get you out of the never ending Bucketed Platinum BS????

Re: Cap1 Plat QS to WMC?

J-F168 — Wed, 23 Jan 2019 14:35:22 GMT

3 months after aproval I pc my platium to QS and my card remain platinum, 6 months later I pc again to Venture and my new master card is WMC. In few months I will apply for savor and combine acc's

Re: Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 14:36:51 GMT

@CramEiko wrote:
@Anonymous wrote:
Okay so I have heard about this happening automatically but it isn’t for me.

I called Cap and asked about it and they said that the only offers they have are for me to go to Venture or VentureOne and that WMC upgrades are done when the system decides you’re eligible.

I have read an old thread that seems to suggest a PC will trigger this. Is this the case? I will gladly convert my card to VentureOne if that will trigger the WMC upgrade. I have no need for a travel card but I have no need for the QS either and since a Savor PC isn’t available, I could PC it to VentureOne now and then back to QS when it’s available again and that wouldn’t bother me much.

I have an $8250 limit, I don’t get why they haven’t done the upgrade, and also I don’t know if the One cards are WMC/WEMC either which could mean I would PC for nothing so if someone can confirm that VentureOne is WMC/WEMC as well that would be great.

I obviously wont do Venture with the AF.
Just out of curiosity. Could/Would this potentially get you out of the never ending Bucketed Platinum BS????

It’s possible. I have heard of it happening but I’m not heavily bucketed anyway (my card was $6250 in March when I asked for a CLI and they bumped it to $8250 and the only other cards I had were a $2000 PlayStation and $1000 Ollo) so I am not too concerned on that front. Everything with Cap seems to be YMMV. It’s considered a unicorn around here for a $500 credit steps card to hit $8250 like mine did to begin with but Cap got a LOT of use because I didn’t prequal for the Disco card I coveted until March of last year.

@J-F168 wrote:
3 months after aproval I pc my platium to QS and my card remain platinum, 6 months later I pc again to Venture and my new master card is WMC. In few months I will apply for savor and combine acc's

Thank you for the info! How long ago was this?

Re: Cap1 Plat QS to WMC?

FinStar — Wed, 23 Jan 2019 15:27:44 GMT

If you decide to go with the PC, the history will remain regardless whether your PC results in a network change, which is doubtful since there's plenty of individuals on both networks with said product.

Now, whether that triggers an upgrade is uncertain. You may have to do some voodoo or perform some sacrificial rituals, maybe. Worse case scenario, you PC and nothing happens, which would not be the end of the world.

Plenty of CCs offer Shoprunner benefits, including AmEx. Oh wait, not an option for you 🙃

Re: Cap1 Plat QS to WMC?

HeavenOhio — Wed, 23 Jan 2019 15:29:42 GMT

When you PC a Capital One card, the card remains on the same network. The network associated with newly issued cards doesn't matter. And it doesn't matter if the card was never issued on a particular network at all. Savors have never been issued as Visas, but Savor Visas exist as a result of PCs.

Re: Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 15:45:22 GMT

@HeavenOhio wrote:
When you PC a Capital One card, the card remains on the same network. The network associated with newly issued cards doesn't matter. And it doesn't matter if the card was never issued on a particular network at all. Savors have never been issued as Visas, but Savor Visas exist as a result of PCs.

Thank you, that’s what I was figuring would be the case and was hoping would be the case.

I will think about it. Since it’s a sock drawer card anyway, it may be worthwhile to try it. Going to wait for some more info from people before I go for it — besides, I’ve hit my phone call patience quota for a month.

Re: Cap1 Plat QS to WMC?

UncleB — Wed, 23 Jan 2019 18:35:59 GMT

@FinStar wrote:
If you decide to go with the PC, the history will remain regardless whether your PC results in a network change, which is doubtful since there's plenty of individuals on both networks with said product.

Now, whether that triggers an upgrade is uncertain. You may have to do some voodoo or perform some sacrificial rituals, maybe. Worse case scenario, you PC and nothing happens, which would not be the end of the world.

Plenty of CCs offer Shoprunner benefits, including AmEx. Oh wait, not an option for you 🙃

The last few years I had also read of members getting an upgrade to WMC/Signature with a PC once their credit line was >$5k, so once my old Platinum QS was to $5900 I did a PC to an otherwise-useless (to me) Venture One... the new card came as a Platinum MC as well. This was January/February 2018.

Last July I was going to PC back to a QS (1.5% is better than 1.25%) but first for 'grins' I asked for a PC to a Savor... and it was granted. This was just a few weeks before the refresh, and I ended up with a 'Grandfathered' Savor with no AF. Ironically, it also came as a Platinum MC.

Obviously since the card is grandfathered with no AF I won't be using it as a guinea pig for network upgrades any longer, and it will remain a 'Platinum' unless Capital One upgrades it on their own (which is said to occasionally happen as well).

TL;DR - At one time a PC would often trigger a network upgrade if your credit line was over $5k, but it's rather inconsistent (at best) these days.

Re: Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 18:37:49 GMT

I guess it’s probably not worth bothering then. Thanks UncleB.

Re: Cap1 Plat QS to WMC?

JaseT — Wed, 23 Jan 2019 19:24:28 GMT

I product changed a Cap One Platinum card to Quicksilver and the QS remained in the platinum tier. After asking reps via chat and on the phone to upgrade the QS platinum to a WMC and failing, I asked the EO and they obliged. It took several weeks for it to happen though.

I have since tried to get my other Cap One Platinum that I upgraded to Savor (like UncleB, right before the change so I was also grandfathered in!) switched over to a WMC. Chats, calls, and EO have all said that it isn't possible.

As always with Cap One, don't look for the logic. There is none!!

Re: Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 19:39:24 GMT

Actually come to think of it I seem to remember reading that if you have a custom card design you don’t get the upgrade offer? I haven’t activated the design I ordered but I have had it over a year so it’s possible that has something to do with it.

I might try emailing the EO (I had to google what that was). I have a feeling it’s going to be a no since it’s clear I’m not using the card anyway, it may actually be a bad idea to call attention to myself lest I find myself getting a CLD.

Re: Cap1 Plat QS to WMC?

UncleB — Wed, 23 Jan 2019 19:43:34 GMT

@Anonymous wrote:
Actually come to think of it I seem to remember reading that if you have a custom card design you don’t get the upgrade offer? I haven’t activated the design I ordered but I have had it over a year so it’s possible that has something to do with it.

I might try emailing the EO (I had to google what that was). I have a feeling it’s going to be a no since it’s clear I’m not using the card anyway, it may actually be a bad idea to call attention to myself lest I find myself getting a CLD.

FWIW I don't have a custom design.

You can try the EO - I'll never discourage anybody from trying, since that's the only way we'll ever know if/when things change - but I would recommend keeping your expectations low.

This is Capital One, after all.

Re: Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 19:49:30 GMT

@UncleB wrote:
@Anonymous wrote:
Actually come to think of it I seem to remember reading that if you have a custom card design you don’t get the upgrade offer? I haven’t activated the design I ordered but I have had it over a year so it’s possible that has something to do with it.

I might try emailing the EO (I had to google what that was). I have a feeling it’s going to be a no since it’s clear I’m not using the card anyway, it may actually be a bad idea to call attention to myself lest I find myself getting a CLD.
FWIW I don't have a custom design.

You can try the EO - I'll never discourage anybody from trying, since that's the only way we'll ever know if/when things change - but I would recommend keeping your expectations low.

This is Capital One, after all.

Yes and that last part is why I am starting to lean towards my sanity being of higher value than WMC on a card I don’t use. They can be infuriating to deal with and I just don’t have the patience anymore.

Re: Cap1 Plat QS to WMC?

Manonfire — Wed, 23 Jan 2019 20:40:18 GMT

@UncleB wrote:
@Anonymous wrote:
Actually come to think of it I seem to remember reading that if you have a custom card design you don’t get the upgrade offer? I haven’t activated the design I ordered but I have had it over a year so it’s possible that has something to do with it.

I might try emailing the EO (I had to google what that was). I have a feeling it’s going to be a no since it’s clear I’m not using the card anyway, it may actually be a bad idea to call attention to myself lest I find myself getting a CLD.
FWIW I don't have a custom design.

You can try the EO - I'll never discourage anybody from trying, since that's the only way we'll ever know if/when things change - but I would recommend keeping your expectations low.

This is Capital One, after all.

I'll echo this. I've tried chat, phone calls to no avail. Finally contacted the EO through email with specific details of wanting to upgrade my Savor platinum mastercard to a WMC and one of their reps contacted me. They seemed even less knowledgeable than other reps I've spoken to on the matter and basically said there were no offers for me.

Re: Cap1 Plat QS to WMC?

Anonymous — Wed, 23 Jan 2019 20:39:15 GMT

Ugh! What an absolutely infuriating company!