topic Re: Capitalone product upgrade in Credit Cards

Capitalone product upgrade

razzy116 — Fri, 19 Jun 2020 17:20:23 GMT

I have a capitalone card that was a platinum and upgraded to quicksilver. I looked at my statement and it shows platinum not quicksilver. When do i see an upgrade to a different card. Any help would be appreciated. Thank you and be safe.

Re: Capitalone product upgrade

quikj9 — Fri, 19 Jun 2020 17:47:51 GMT

It won't. I product changed my Platinum to a QS as well. The only things that changed for us were the reward structure, so that we now get 1.5% cash back and the color of the card/app.

Re: Capitalone product upgrade

Duke_Nukem — Fri, 19 Jun 2020 18:18:47 GMT

So there are different classifications/levels for Mastercard. CapOne issues a "Platinum", "World", and "World Elite".

Technically speaking, my original CapOne Platinum card was a "Platinum" Platinum. That card was PC'd to a QS years ago, and the QS was then technically a "Platinum" Quicksilver.

I received an auto CLI in 12/2018 that put it at $6500 CL. Then in 4/2019, CapOne upgraded my card's classification/level to "World", issuing new cards and everything. So my QS is now technically a "World" Quicksilver.

I guessing once a CL reaches a certain level (perhaps $5000), CapOne can upgrade the card's classification/level from Platinum to World. Next step would be from World to World Elite (maybe that threshold is $10,000?).

Re: Capitalone product upgrade

AzCreditGuy — Fri, 19 Jun 2020 21:15:11 GMT

@Duke_Nukem wrote:
So there are different classifications/levels for Mastercard. CapOne issues a "Platinum", "World", and "World Elite".

Technically speaking, my original CapOne Platinum card was a "Platinum" Platinum. That card was PC'd to a QS years ago, and the QS was then technically a "Platinum" Quicksilver.

I received an auto CLI in 12/2018 that put it at $6500 CL. Then in 4/2019, CapOne upgraded my card's classification/level to "World", issuing new cards and everything. So my QS is now technically a "World" Quicksilver.

I guessing once a CL reaches a certain level (perhaps $5000), CapOne can upgrade the card's classification/level from Platinum to World. Next step would be from World to World Elite (maybe that threshold is $10,000?).

Thats not how it works with Cap 1, I started with Plat PC into QS CLI from $500 to $2k. No tiers no APR changes, just the same old card with 29% APR...Now Im PC into Venture One CL is $6.5k No tiers no APR changes, just the same old card with 29% APR again. Now I get denied for a CLI due to having a credit balance or not enough use of it.....Bi-polar .....I could PC into the Venture with AF but why? Not worth it

Re: Capitalone product upgrade

Shooting-For-800 — Sat, 20 Jun 2020 00:27:31 GMT

platinum is the LEVEL of card (platinum, signature)

quicksilver is the TYPE of card (qs, savor, venture)

Re: Capitalone product upgrade

Shooting-For-800 — Sat, 20 Jun 2020 00:33:30 GMT

@AzCreditGuy wrote:
@Duke_Nukem wrote:
So there are different classifications/levels for Mastercard. CapOne issues a "Platinum", "World", and "World Elite".

Technically speaking, my original CapOne Platinum card was a "Platinum" Platinum. That card was PC'd to a QS years ago, and the QS was then technically a "Platinum" Quicksilver.

I received an auto CLI in 12/2018 that put it at $6500 CL. Then in 4/2019, CapOne upgraded my card's classification/level to "World", issuing new cards and everything. So my QS is now technically a "World" Quicksilver.

I guessing once a CL reaches a certain level (perhaps $5000), CapOne can upgrade the card's classification/level from Platinum to World. Next step would be from World to World Elite (maybe that threshold is $10,000?).

Thats not how it works with Cap 1, I started with Plat PC into QS CLI from $500 to $2k. No tiers no APR changes, just the same old card with 29% APR...Now Im PC into Venture One CL is $6.5k No tiers no APR changes, just the same old card with 29% APR again. Now I get denied for a CLI due to having a credit balance or not enough use of it.....Bi-polar .....I could PC into the Venture with AF but why? Not worth it

That is your experience. Mileage varies.

Plenty of people have been upgraded from platinum to signature or world or world elite.

Re: Capitalone product upgrade

Anonymous — Sat, 20 Jun 2020 00:45:26 GMT

@Shooting-For-800 wrote:
@AzCreditGuy wrote:
@Duke_Nukem wrote:
So there are different classifications/levels for Mastercard. CapOne issues a "Platinum", "World", and "World Elite".

Technically speaking, my original CapOne Platinum card was a "Platinum" Platinum. That card was PC'd to a QS years ago, and the QS was then technically a "Platinum" Quicksilver.

I received an auto CLI in 12/2018 that put it at $6500 CL. Then in 4/2019, CapOne upgraded my card's classification/level to "World", issuing new cards and everything. So my QS is now technically a "World" Quicksilver.

I guessing once a CL reaches a certain level (perhaps $5000), CapOne can upgrade the card's classification/level from Platinum to World. Next step would be from World to World Elite (maybe that threshold is $10,000?).

Thats not how it works with Cap 1, I started with Plat PC into QS CLI from $500 to $2k. No tiers no APR changes, just the same old card with 29% APR...Now Im PC into Venture One CL is $6.5k No tiers no APR changes, just the same old card with 29% APR again. Now I get denied for a CLI due to having a credit balance or not enough use of it.....Bi-polar .....I could PC into the Venture with AF but why? Not worth it

That is your experience. Mileage varies.
Plenty of people have been upgraded from platinum to signature or world or world elite.

Right but plenty of us haven't which means it's not a rule. I have a $8250 line on my once Platinum and it's still a "Platinum" card. It has been PC'd to QS and then V1 and it's still a "Platinum" card despite me having a World Elite SavorOne.

Re: Capitalone product upgrade

razzy116 — Sat, 20 Jun 2020 04:38:50 GMT

@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy wrote:
@Duke_Nukem wrote:
So there are different classifications/levels for Mastercard. CapOne issues a "Platinum", "World", and "World Elite".

Technically speaking, my original CapOne Platinum card was a "Platinum" Platinum. That card was PC'd to a QS years ago, and the QS was then technically a "Platinum" Quicksilver.

I received an auto CLI in 12/2018 that put it at $6500 CL. Then in 4/2019, CapOne upgraded my card's classification/level to "World", issuing new cards and everything. So my QS is now technically a "World" Quicksilver.

I guessing once a CL reaches a certain level (perhaps $5000), CapOne can upgrade the card's classification/level from Platinum to World. Next step would be from World to World Elite (maybe that threshold is $10,000?).

Thats not how it works with Cap 1, I started with Plat PC into QS CLI from $500 to $2k. No tiers no APR changes, just the same old card with 29% APR...Now Im PC into Venture One CL is $6.5k No tiers no APR changes, just the same old card with 29% APR again. Now I get denied for a CLI due to having a credit balance or not enough use of it.....Bi-polar .....I could PC into the Venture with AF but why? Not worth it

That is your experience. Mileage varies.
Plenty of people have been upgraded from platinum to signature or world or world elite.

Right but plenty of us haven't which means it's not a rule. I have a $8250 line on my once Platinum and it's still a "Platinum" card. It has been PC'd to QS and then V1 and it's still a "Platinum" card despite me having a World Elite SavorOne.

I got the platinum card in January 2019, i do not know when i upgraded to the quicksilver, it does not show on the statement. When can i expect an upgrade from the quicksilver to another card. I started out with a 400 cl and got an increase in March 2020 to 500. Thank you and be safe.

Re: Capitalone product upgrade

Anonymous — Sat, 20 Jun 2020 08:51:58 GMT

I just had mine upgraded the other day, and that's because I didn't even know about upgrades until this forum. No need to wait for Cap one, just use the link to check.

Re: Capitalone product upgrade

razzy116 — Sat, 20 Jun 2020 17:37:43 GMT

@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy wrote:
@Duke_Nukem wrote:
So there are different classifications/levels for Mastercard. CapOne issues a "Platinum", "World", and "World Elite".

Technically speaking, my original CapOne Platinum card was a "Platinum" Platinum. That card was PC'd to a QS years ago, and the QS was then technically a "Platinum" Quicksilver.

I received an auto CLI in 12/2018 that put it at $6500 CL. Then in 4/2019, CapOne upgraded my card's classification/level to "World", issuing new cards and everything. So my QS is now technically a "World" Quicksilver.

I guessing once a CL reaches a certain level (perhaps $5000), CapOne can upgrade the card's classification/level from Platinum to World. Next step would be from World to World Elite (maybe that threshold is $10,000?).

Thats not how it works with Cap 1, I started with Plat PC into QS CLI from $500 to $2k. No tiers no APR changes, just the same old card with 29% APR...Now Im PC into Venture One CL is $6.5k No tiers no APR changes, just the same old card with 29% APR again. Now I get denied for a CLI due to having a credit balance or not enough use of it.....Bi-polar .....I could PC into the Venture with AF but why? Not worth it

That is your experience. Mileage varies.
Plenty of people have been upgraded from platinum to signature or world or world elite.

Right but plenty of us haven't which means it's not a rule. I have a $8250 line on my once Platinum and it's still a "Platinum" card. It has been PC'd to QS and then V1 and it's still a "Platinum" card despite me having a World Elite SavorOne.

How did you get alot of capitalone cards,do you use the cards alot that"s why you have large credit limits? Thank you and be safe.

Re: Capitalone product upgrade

Anonymous — Sat, 20 Jun 2020 18:18:51 GMT

@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy wrote:
@Duke_Nukem wrote:
So there are different classifications/levels for Mastercard. CapOne issues a "Platinum", "World", and "World Elite".

Technically speaking, my original CapOne Platinum card was a "Platinum" Platinum. That card was PC'd to a QS years ago, and the QS was then technically a "Platinum" Quicksilver.

I received an auto CLI in 12/2018 that put it at $6500 CL. Then in 4/2019, CapOne upgraded my card's classification/level to "World", issuing new cards and everything. So my QS is now technically a "World" Quicksilver.

I guessing once a CL reaches a certain level (perhaps $5000), CapOne can upgrade the card's classification/level from Platinum to World. Next step would be from World to World Elite (maybe that threshold is $10,000?).

Thats not how it works with Cap 1, I started with Plat PC into QS CLI from $500 to $2k. No tiers no APR changes, just the same old card with 29% APR...Now Im PC into Venture One CL is $6.5k No tiers no APR changes, just the same old card with 29% APR again. Now I get denied for a CLI due to having a credit balance or not enough use of it.....Bi-polar .....I could PC into the Venture with AF but why? Not worth it

That is your experience. Mileage varies.
Plenty of people have been upgraded from platinum to signature or world or world elite.

Right but plenty of us haven't which means it's not a rule. I have a $8250 line on my once Platinum and it's still a "Platinum" card. It has been PC'd to QS and then V1 and it's still a "Platinum" card despite me having a World Elite SavorOne.
How did you get alot of capitalone cards,do you use the cards alot that"s why you have large credit limits? Thank you and be safe.

My Platinum was my first credit card after my BK. I got it in 2014 and then I also got the PlayStation card in 2016 that was also a Capital One card. I opened up two more Platinum cards inbetween and merged those into the first card. Started off at $300 and my last CLI was $2K and brought me from $6250 to $8250 3/2018. I haven't asked since though because I don't want to lie on the form and say I'm going to use the card when I won't. My highest balance was $2125. When I apped for the SavorOne last June, they blew me away with a $10K limit right out of the gate and I have a high balance of $2691 on that one.

The APRs on both cards are quite high but I don't need my APRs to be low on a rewards card.

Re: Capitalone product upgrade

razzy116 — Sat, 20 Jun 2020 18:32:50 GMT

@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy wrote:
@Duke_Nukem wrote:
So there are different classifications/levels for Mastercard. CapOne issues a "Platinum", "World", and "World Elite".

Technically speaking, my original CapOne Platinum card was a "Platinum" Platinum. That card was PC'd to a QS years ago, and the QS was then technically a "Platinum" Quicksilver.

I received an auto CLI in 12/2018 that put it at $6500 CL. Then in 4/2019, CapOne upgraded my card's classification/level to "World", issuing new cards and everything. So my QS is now technically a "World" Quicksilver.

I guessing once a CL reaches a certain level (perhaps $5000), CapOne can upgrade the card's classification/level from Platinum to World. Next step would be from World to World Elite (maybe that threshold is $10,000?).

Thats not how it works with Cap 1, I started with Plat PC into QS CLI from $500 to $2k. No tiers no APR changes, just the same old card with 29% APR...Now Im PC into Venture One CL is $6.5k No tiers no APR changes, just the same old card with 29% APR again. Now I get denied for a CLI due to having a credit balance or not enough use of it.....Bi-polar .....I could PC into the Venture with AF but why? Not worth it

That is your experience. Mileage varies.
Plenty of people have been upgraded from platinum to signature or world or world elite.

Right but plenty of us haven't which means it's not a rule. I have a $8250 line on my once Platinum and it's still a "Platinum" card. It has been PC'd to QS and then V1 and it's still a "Platinum" card despite me having a World Elite SavorOne.
How did you get alot of capitalone cards,do you use the cards alot that"s why you have large credit limits? Thank you and be safe.
My Platinum was my first credit card after my BK. I got it in 2014 and then I also got the PlayStation card in 2016 that was also a Capital One card. I opened up two more Platinum cards inbetween and merged those into the first card. Started off at $300 and my last CLI was $2K and brought me from $6250 to $8250 3/2018. I haven't asked since though because I don't want to lie on the form and say I'm going to use the card when I won't. My highest balance was $2125. When I apped for the SavorOne last June, they blew me away with a $10K limit right out of the gate and I have a high balance of $2691 on that one.

The APRs on both cards are quite high but I don't need my APRs to be low on a rewards card.

Thank you for replying to my post. How long did you wait for apping for other cards, i don"t want to have to many inquireings, my last card that i got was target a 500 cl in May 20. Thank you.

Re: Capitalone product upgrade

Anonymous — Sat, 20 Jun 2020 19:08:20 GMT

@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy
Thank you for replying to my post. How long did you wait for apping for other cards, i don"t want to have to many inquireings, my last card that i got was target a 500 cl in May 20. Thank you.

Honestly inquiries don't really mean anything. Of all of the accounts I have gotten, the only lender that has said no to me because of inquiries is Citi and that was just for being beyond 6 in 6 months. They have the lowest score impact and the impact on score only lasts for a year. Every card in my signature except the VentureOne was opened since 3/2018.

Re: Capitalone product upgrade

razzy116 — Sat, 20 Jun 2020 19:56:10 GMT

@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy
Thank you for replying to my post. How long did you wait for apping for other cards, i don"t want to have to many inquireings, my last card that i got was target a 500 cl in May 20. Thank you.
Honestly inquiries don't really mean anything. Of all of the accounts I have gotten, the only lender that has said no to me because of inquiries is Citi and that was just for being beyond 6 in 6 months. They have the lowest score impact and the impact on score only lasts for a year. Every card in my signature except the VentureOne was opened since 3/2018.

Were your scores high when you apped for other cards. When i apped for other cards they said i had to many inquiries like when i apped for the amazon card and my score was not high, my scores are ex 647, tu 623, eq 618. Thank you

Re: Capitalone product upgrade

Anonymous — Sat, 20 Jun 2020 20:29:08 GMT

@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy
Thank you for replying to my post. How long did you wait for apping for other cards, i don"t want to have to many inquireings, my last card that i got was target a 500 cl in May 20. Thank you.
Honestly inquiries don't really mean anything. Of all of the accounts I have gotten, the only lender that has said no to me because of inquiries is Citi and that was just for being beyond 6 in 6 months. They have the lowest score impact and the impact on score only lasts for a year. Every card in my signature except the VentureOne was opened since 3/2018.
Were your scores high when you apped for other cards. When i apped for other cards they said i had to many inquiries like when i apped for the amazon card and my score was not high, my scores are ex 647, tu 623, eq 618. Thank you

Yeah you probably want a 640+ TU score for the best odds with Synchrony cards. Most of the time a decline for inquiries is simply a matter of them picking a reason from the pile and putting it on the paper. There aren't many lenders that are known to actually be inquiry sensitive, it's just a factor in their criteria.

Re: Capitalone product upgrade

razzy116 — Sun, 21 Jun 2020 04:32:40 GMT

@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy
Thank you for replying to my post. How long did you wait for apping for other cards, i don"t want to have to many inquireings, my last card that i got was target a 500 cl in May 20. Thank you.
Honestly inquiries don't really mean anything. Of all of the accounts I have gotten, the only lender that has said no to me because of inquiries is Citi and that was just for being beyond 6 in 6 months. They have the lowest score impact and the impact on score only lasts for a year. Every card in my signature except the VentureOne was opened since 3/2018.

You have some great cards and great cl in your sig. i"m working very hard to get great cards. I have 2 cards that have AF, Merrick and Creditone that i want to close with in a year. Thank you and be safe

Re: Capitalone product upgrade

Anonymous — Sun, 21 Jun 2020 06:38:16 GMT

@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy
Thank you for replying to my post. How long did you wait for apping for other cards, i don"t want to have to many inquireings, my last card that i got was target a 500 cl in May 20. Thank you.
Honestly inquiries don't really mean anything. Of all of the accounts I have gotten, the only lender that has said no to me because of inquiries is Citi and that was just for being beyond 6 in 6 months. They have the lowest score impact and the impact on score only lasts for a year. Every card in my signature except the VentureOne was opened since 3/2018.
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy
Thank you for replying to my post. How long did you wait for apping for other cards, i don"t want to have to many inquireings, my last card that i got was target a 500 cl in May 20. Thank you.
Honestly inquiries don't really mean anything. Of all of the accounts I have gotten, the only lender that has said no to me because of inquiries is Citi and that was just for being beyond 6 in 6 months. They have the lowest score impact and the impact on score only lasts for a year. Every card in my signature except the VentureOne was opened since 3/2018.
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy
Thank you for replying to my post. How long did you wait for apping for other cards, i don"t want to have to many inquireings, my last card that i got was target a 500 cl in May 20. Thank you.
Honestly inquiries don't really mean anything. Of all of the accounts I have gotten, the only lender that has said no to me because of inquiries is Citi and that was just for being beyond 6 in 6 months. They have the lowest score impact and the impact on score only lasts for a year. Every card in my signature except the VentureOne was opened since 3/2018.
You have some great cards and great cl in your sig. i"m working very hard to get great cards. I have 2 cards that have AF, Merrick and Creditone that i want to close with in a year. Thank you and be safe

If I was able to get to the point I'm at, anyone can. I filed BK in 2010 and didn't even start rebuilding until 2014 when Capital One sent me a mailer and approved me for a $300 Platinum card. Considering that I'm low income at ~$18.6K and my BK only just started coming off this year, my profile is proof that it's possible to bounce back. Just gotta be dedicated to repair.

Re: Capitalone product upgrade

razzy116 — Sun, 21 Jun 2020 07:14:31 GMT

@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy
Thank you for replying to my post. How long did you wait for apping for other cards, i don"t want to have to many inquireings, my last card that i got was target a 500 cl in May 20. Thank you.
Honestly inquiries don't really mean anything. Of all of the accounts I have gotten, the only lender that has said no to me because of inquiries is Citi and that was just for being beyond 6 in 6 months. They have the lowest score impact and the impact on score only lasts for a year. Every card in my signature except the VentureOne was opened since 3/2018.
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy
Thank you for replying to my post. How long did you wait for apping for other cards, i don"t want to have to many inquireings, my last card that i got was target a 500 cl in May 20. Thank you.
Honestly inquiries don't really mean anything. Of all of the accounts I have gotten, the only lender that has said no to me because of inquiries is Citi and that was just for being beyond 6 in 6 months. They have the lowest score impact and the impact on score only lasts for a year. Every card in my signature except the VentureOne was opened since 3/2018.
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@razzy116 wrote:
@Anonymous wrote:
@Shooting-For-800 wrote:
@AzCreditGuy
Thank you for replying to my post. How long did you wait for apping for other cards, i don"t want to have to many inquireings, my last card that i got was target a 500 cl in May 20. Thank you.
Honestly inquiries don't really mean anything. Of all of the accounts I have gotten, the only lender that has said no to me because of inquiries is Citi and that was just for being beyond 6 in 6 months. They have the lowest score impact and the impact on score only lasts for a year. Every card in my signature except the VentureOne was opened since 3/2018.
You have some great cards and great cl in your sig. i"m working very hard to get great cards. I have 2 cards that have AF, Merrick and Creditone that i want to close with in a year. Thank you and be safe
If I was able to get to the point I'm at, anyone can. I filed BK in 2010 and didn't even start rebuilding until 2014 when Capital One sent me a mailer and approved me for a $300 Platinum card. Considering that I'm low income at ~$18.6K and my BK only just started coming off this year, my profile is proof that it's possible to bounce back. Just gotta be dedicated to repair.

I just finished paying a Discover charge off, i should get a boost in my score in a couple of weeks and have 2 collections that i"m paying. I"m low income to around $20k

Re: Capitalone product upgrade

Anonymous — Sun, 21 Jun 2020 16:39:14 GMT

In my experience with Cap1 I have seen that they are extremely stingy with CLs and CLI's. This is probably because they bucket you when you get your first card from them and you never get out of that bucket. My first card with Cap1 was a secured card and my scores were in the 500's. CL for that card was a whopping $500 because that's what I put into their savings account. After 2 years I asked for a CLI and was given a $29 CLI to $529. I closed the account. That was about 5 years ago. Now my scores are within 10 points of 800 and Amex has given me a CL of over $25,000. I apped for the Cap1 Travel card and got approved for a whopping $1,000 CL. Think of it - a $1,000 CL on a Travel card is pretty useless when my average airplane ticket is easily 2x to 3x that. This was 4 months ago and I still don't have the card, not that I want it any more, as it would be totally useless to me. But that bucket I first went into seems to be following me around at Cap1. Chase approved me for a CL of $8,500.

Re: Capitalone product upgrade

gorgon — Mon, 22 Jun 2020 14:26:37 GMT

@Duke_Nukem wrote:
So there are different classifications/levels for Mastercard. CapOne issues a "Platinum", "World", and "World Elite".

Technically speaking, my original CapOne Platinum card was a "Platinum" Platinum. That card was PC'd to a QS years ago, and the QS was then technically a "Platinum" Quicksilver.

I received an auto CLI in 12/2018 that put it at $6500 CL. Then in 4/2019, CapOne upgraded my card's classification/level to "World", issuing new cards and everything. So my QS is now technically a "World" Quicksilver.

I guessing once a CL reaches a certain level (perhaps $5000), CapOne can upgrade the card's classification/level from Platinum to World. Next step would be from World to World Elite (maybe that threshold is $10,000?).

I have a Quicksilver that started as a Platinum with a $3k limit and got upgraded to a World Mastercard, and then World Elite Mastercard with the CL finally reaching $7k. But during that time I received a Savor One with a $3k limit and it was a WEMC right off the bat. It doesn't seem to be based on the CL anymore. It just depends on whether Capital One wants more swipe fees on purchases you make.