topic Re: Both World Elite MasterCards?? in Credit Cards

Both World Elite MasterCards??

gorgon — Sun, 07 Jun 2020 15:01:09 GMT

I checked my balances in the cap1 app early this morning to see if my payment posted and they were doing some kind of maintenance. Instead of showing my Savor One (the one with zero balance - actually is a WEMC) and the Quicksilver (which is a WMC according to the card itself) both showed up as WEMC. Does that mean the upgraded my QS?

Re: Both World Elite MasterCards??

AverageJoesCredit — Sun, 07 Jun 2020 15:42:38 GMT

I doubt it probably just screen error.

Re: Both World Elite MasterCards??

Anonymous — Sun, 07 Jun 2020 16:58:08 GMT

@gorgon wrote:
I checked my balances in the cap1 app early this morning to see if my payment posted and they were doing some kind of maintenance. Instead of showing my Savor One (the one with zero balance - actually is a WEMC) and the Quicksilver (which is a WMC according to the card itself) both showed up as WEMC. Does that mean the upgraded my QS?

This is so ironic that you posted this. I was up at 2 this morning because I couldn't sleep. What better time to check on my accounts? I pulled up my Capital One Venture One on mobile; and like yours, it stated "World Elite MasterCard" when I have known it to be just a World MasterCard.

I checked my statements...as of February 2020, my statement indicated World MasterCard; but somewhere between 20 February and 20 March, the card must have been upgraded to World Elite because the statements since 20 March are all indicating World Elite MasterCard.

No new account number; no letter in the mail and no new card (my card expired in March-they sent me a replacement World MasterCard in February). I remember them making a huge deal about my student card going to Gold MasterCard and later Platinum MasterCard; but nothing at all about World Elite. I may order a new card later to see what comes in the post.

Re: Both World Elite MasterCards??

Anonymous — Sun, 07 Jun 2020 17:10:08 GMT

Citi updated my DoubleCash from World to World Elite a little over a year ago. I think they're just trying to collect more in swipe fees. None of the World Elite benefits appeared particularly interesting at the time.

Re: Both World Elite MasterCards??

Anonymous — Sun, 07 Jun 2020 17:11:04 GMT

Sadly, the practical impact of the upgrade is, well, not much!

Re: Both World Elite MasterCards??

Remedios — Sun, 07 Jun 2020 17:16:40 GMT

@Anonymous wrote:
Sadly, the practical impact of the upgrade is, well, not much!

But it sounds better when you ask "Do you take World Elite Mastercard" compared to "Do you take Mastercard"

Re: Both World Elite MasterCards??

MacCreed — Sun, 07 Jun 2020 17:24:59 GMT

Cap one is doing maintenance, nothing look here.

Re: Both World Elite MasterCards??

gorgon — Sun, 07 Jun 2020 18:17:10 GMT

@Anonymous wrote:
@gorgon wrote:
I checked my balances in the cap1 app early this morning to see if my payment posted and they were doing some kind of maintenance. Instead of showing my Savor One (the one with zero balance - actually is a WEMC) and the Quicksilver (which is a WMC according to the card itself) both showed up as WEMC. Does that mean the upgraded my QS?

This is so ironic that you posted this. I was up at 2 this morning because I couldn't sleep. What better time to check on my accounts? I pulled up my Capital One Venture One on mobile; and like yours, it stated "World Elite MasterCard" when I have known it to be just a World MasterCard.

I checked my statements...as of February 2020, my statement indicated World MasterCard; but somewhere between 20 February and 20 March, the card must have been upgraded to World Elite because the statements since 20 March are all indicating World Elite MasterCard.

No new account number; no letter in the mail and no new card (my card expired in March-they sent me a replacement World MasterCard in February). I remember them making a huge deal about my student card going to Gold MasterCard and later Platinum MasterCard; but nothing at all about World Elite. I may order a new card later to see what comes in the post.

Good call on checking the statement! I never thought to look there. Confirmed: at some point my QS was upgraded to WEMC.

I know it's mostly benefiting cap1 to do the upgrade, but it still feels good to know they trust me enough to upgrade me during my post bankruptcy rebuild.

Re: Both World Elite MasterCards??

CYBERSAM — Sun, 07 Jun 2020 18:26:06 GMT

@Remedios wrote:
@Anonymous wrote:
Sadly, the practical impact of the upgrade is, well, not much!
But it sounds better when you ask "Do you take World Elite Mastercard" compared to "Do you take Mastercard"

LOL I have to remember to do that next time 😂

Re: Both World Elite MasterCards??

Brian_Earl_Spilner — Sun, 07 Jun 2020 18:30:28 GMT

@Remedios wrote:
@Anonymous wrote:
Sadly, the practical impact of the upgrade is, well, not much!
But it sounds better when you ask "Do you take World Elite Mastercard" compared to "Do you take Mastercard"

"Of course we do, ma'am, it doesn't matter if it came from World Elite bank."

Re: Both World Elite MasterCards??

Anonymous — Sun, 07 Jun 2020 19:07:42 GMT

@gorgon wrote:
I know it's mostly benefiting cap1 to do the upgrade, but it still feels good to know they trust me enough to upgrade me during my post bankruptcy rebuild.

Not to continue to rain on your parade (except that I am) but what trust is involved? Was the CL increased or APR reduced because of the change? If not, they basically have the same exposure but now potentially get more swipe fee, so it's all good for them

Re: Both World Elite MasterCards??

Anonymous — Sun, 07 Jun 2020 19:14:29 GMT

My QuickSilver is a Visa Signature (just checked). Yours is a MasterCard?

Re: Both World Elite MasterCards??

Brian_Earl_Spilner — Sun, 07 Jun 2020 19:16:59 GMT

@Anonymous wrote:
My QuickSilver is a Visa Signature (just checked). Yours is a MasterCard?

Cap1 likes to flip-flop every few years. I was able to choose on my navy Platinum.

Re: Both World Elite MasterCards??

Anonymous — Sun, 07 Jun 2020 19:19:30 GMT

@Brian_Earl_Spilner wrote:
@Anonymous wrote:
My QuickSilver is a Visa Signature (just checked). Yours is a MasterCard?
Cap1 likes to flip-flop every few years. I was able to choose on my navy Platinum.

Fascinating. What did you choose? Any reason?

Re: Both World Elite MasterCards??

Remedios — Sun, 07 Jun 2020 19:21:35 GMT

@Anonymous wrote:
@gorgon wrote:
I know it's mostly benefiting cap1 to do the upgrade, but it still feels good to know they trust me enough to upgrade me during my post bankruptcy rebuild.

Not to continue to rain on your parade (except that I am) but what trust is involved? Was the CL increased or APR reduced because of the change? If not, they basically have the same exposure but now potentially get more swipe fee, so it's all good for them

Let people anthropomorphize faceless entities!

Re: Both World Elite MasterCards??

Brian_Earl_Spilner — Sun, 07 Jun 2020 19:46:30 GMT

@Anonymous wrote:
@Brian_Earl_Spilner wrote:
@Anonymous wrote:
My QuickSilver is a Visa Signature (just checked). Yours is a MasterCard?
Cap1 likes to flip-flop every few years. I was able to choose on my navy Platinum.

Fascinating. What did you choose? Any reason?

I chose Visa because despite almost all of my debit cards being Visa, almost none of my credit cards are. I wanted more diversity in case payment systems go down again.

Re: Both World Elite MasterCards??

Kforce — Sun, 07 Jun 2020 20:18:43 GMT

@Remedios wrote:
Let people anthrpomorphize faceless entities!

I know you talk to your car keys when you can't find them !

Re: Both World Elite MasterCards??

gorgon — Sun, 07 Jun 2020 20:29:11 GMT

@Anonymous wrote:
@gorgon wrote:
I know it's mostly benefiting cap1 to do the upgrade, but it still feels good to know they trust me enough to upgrade me during my post bankruptcy rebuild.

Not to continue to rain on your parade (except that I am) but what trust is involved? Was the CL increased or APR reduced because of the change? If not, they basically have the same exposure but now potentially get more swipe fee, so it's all good for them

No parade to rain on here, just data points sharing.

Cap1 originally approved me for a $3k SL on this QS one month after my BK was discharged. Limit went up to $3.5k at Credit Steps, and 6 months later I asked for a CLI and got another $3k and an upgrade to WMC. Now it's a WEMC without doing anything other than using it responsibly.

Re: Both World Elite MasterCards??

Remedios — Sun, 07 Jun 2020 20:33:12 GMT

@Kforce wrote:
@Remedios wrote:
Let people anthrpomorphize faceless entities!
I know you talk to your car keys when you can't find them !

I talk to my remote when I cant find it.

It likes to hide in weirdest places.

That's what I get for having World Infinite Elite Platinum Gold Plated Staus Symbol Remote.

Re: Both World Elite MasterCards??

Kforce — Sun, 07 Jun 2020 20:49:43 GMT

@Remedios wrote:
@Kforce wrote:
@Remedios wrote:
Let people anthrpomorphize faceless entities!
I know you talk to your car keys when you can't find them !

I talk to my remote when I cant find it.
It likes to hide in weirdest places.
That's what I get for having World Infinite Elite Platinum Gold Plated Staus Symbol Remote.

Yes but when was the last time you got a CL increase

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