topic Re: Capital one changed Card without permission in Credit Cards

Capital one changed Card without permission

Anonymous — Fri, 13 Dec 2019 18:24:10 GMT

Logged into capital one last night so to see if my auto payments had posted and statements were cut, noticed they had changed my quicksilver one card into a platinum, is this normal? Why would they do this?

Re: Capital one changed Card without permission

Brian_Earl_Spilner — Fri, 13 Dec 2019 18:28:46 GMT

The images default to what the card really is during maintenance which I'm assuming is a PC'd platinum. It will fix itself once maintenance is over.

Re: Capital one changed Card without permission

Anonymous — Fri, 13 Dec 2019 18:34:58 GMT

You want to confirm it is actually changed, because C1 website image is not very reliable.

My QS has been showing as QS1 since I removed my custome image, before that, it was shown as plat forever.

Re: Capital one changed Card without permission

Anonymous — Fri, 13 Dec 2019 18:38:56 GMT

They definitely changed it to a platinum, I just got off phone with CSR, said they reviewed account and that I wasn’t using it a bunch after statement closed and downgraded it for annual fee...

Re: Capital one changed Card without permission

wasCB14 — Fri, 13 Dec 2019 18:40:01 GMT

Lots of issuers have websites that say weird things during maintenance. Barclays shows weird CLs. Chase will occasionally show no credit available.

Edit: Guess that wasn't the case for you!

Re: Capital one changed Card without permission

Anonymous — Fri, 13 Dec 2019 18:48:20 GMT

sorry, so you had a qs1. I guess they are doing you a favor.... lol. I know discover loves to pc it to it miles w/o request. I guess there is no law against that as long as AF is not increased.

In the meantime, I had a QS which I haven't use for a while and it still remains. perhaps ask them to restore it, if you think that make financial sense.

Re: Capital one changed Card without permission

Anonymous — Fri, 13 Dec 2019 18:54:27 GMT

No, I’ve been wanting out of the annual fee on that card for a while, I only buy breakfast on it once a month so not much use been trying to PC to regular quicksilver kinda glad they did it a heads up would’ve been nice though lol

Re: Capital one changed Card without permission

Anonymous — Fri, 13 Dec 2019 19:21:49 GMT

Nice of them to drop the AF. I agree that they should give notice but nobody is going to actually say "I don't want to save money on a card I never use."

Re: Capital one changed Card without permission

OmarGB9 — Fri, 13 Dec 2019 19:23:38 GMT

Maybe the principle of getting PC'd without warning and permission is shady, but in this case I guess they're doing you a favor, so I'm glad it worked out. lol

Re: Capital one changed Card without permission

DoctorManhattan — Fri, 13 Dec 2019 19:53:50 GMT

So everything worked out in your favor you can always try and upgrade the plat. Might get a venture one or savor offer who knows

Re: Capital one changed Card without permission

Larsim — Fri, 13 Dec 2019 20:57:33 GMT

The same thing just happened to me. In doing my daily round of checking my cards on the apps I noticed that instead of Quicksilver it reads Platinum Mastercard. I phoned Capital One right away, the rep advised that just the name changed but the card is still a Quicksilver card earning 1.5% and besides the name nothing else changed - as matter of fact I can still use the same Quicksilver card as before.

I then proceeded to the tell rep that I don't care if they name the card "funny money bunny blue moon card", as long it still earns 1.5% we are all good.

EDIT: Just last week I was approved for the Walmart card bringing the total of Cap 1 cards between me and my wife to 6 so not sure if that had anything to do with it.

Re: Capital one changed Card without permission

Anonymous — Fri, 13 Dec 2019 21:33:29 GMT

@Larsim wrote:
The same thing just happened to me. In doing my daily round of checking my cards on the apps I noticed that instead of Quicksilver it reads Platinum Mastercard. I phoned Capital One right away, the rep advised that just the name changed but the card is still a Quicksilver card earning 1.5% and besides the name nothing else changed - as matter of fact I can still use the same Quicksilver card as before.

I then proceeded to the tell rep that I don't care if they name the card "funny money bunny blue moon card", as long it still earns 1.5% we are all good.

EDIT: Just last week I was approved for the Walmart card bringing the total of Cap 1 cards between me and my wife to 6 so not sure if that had anything to do with it.

Yep they did it to mine too.

They are gonna get a lot of people calling and asking about this change. Usually it only pops like that during maintenance.

Re: Capital one changed Card without permission

Anonymous — Fri, 13 Dec 2019 21:40:44 GMT

Same here, lol, I'm just gonna call it a glitch and wait for it to resolve itself.

Re: Capital one changed Card without permission

Anonymous — Fri, 13 Dec 2019 21:43:43 GMT

If you run the PC link, it says it's a Platinum Mastercard with 1.5% cash back.

I wonder if this is because they are getting rid of image cards and mine has a custom image?

Re: Capital one changed Card without permission

Shooting-For-800 — Fri, 13 Dec 2019 22:29:17 GMT

@Anonymous wrote:
They definitely changed it to a platinum, I just got off phone with CSR, said they reviewed account and that I wasn’t using it a bunch after statement closed and downgraded it for annual fee...

Pretty sure it was always platinum.

Plat, QS, QS1 etc are all platinum unless they are Visa Signature, World MasterCard, or World Elite MasterCard.

Name of card versus the level of the network.

Re: Capital one changed Card without permission

Anonymous — Fri, 13 Dec 2019 23:02:01 GMT

Same here. QS1 changed to platinum mastercard. Still showing I have a 39 af. Will call later when I get home to confirm.

Re: Capital one changed Card without permission

Anonymous — Sat, 14 Dec 2019 08:07:54 GMT

Mine is showing annual fee, and hoping it will be easier to PC it now since it is the platinum lol notorious QS1 is difficult to PC

Re: Capital one changed Card without permission

Anonymous — Sat, 14 Dec 2019 00:59:39 GMT

Update: Just got off phone with CS rep. Says it’s a system issue and that my rewards are still going. Unfortunately the AF is still there too.

Re: Capital one changed Card without permission

DoctorManhattan — Sat, 14 Dec 2019 01:07:49 GMT

Try to PC with link

What just happened to my CAP1 account?

Anonymous — Sat, 14 Dec 2019 03:30:58 GMT

I have a Cap1 QS card. Did a balance tranfer about a week ago. When I logged into my account tonight it says that I now have a Cap1 Platinum

card instead of a QS card. Did they just downgrade me?