topic Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points) in Credit Cards

Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

Anonymous — Wed, 07 Apr 2021 23:29:13 GMT

I had a Capital One Platinum card that I opened in November 2020. I understand that there is no "rigid" ruleset for when you can ask for a PC or CLI in Capital One, but the recommended is 6 months. Regardless, I checked upgrade links and much to my chagrin, nothing would pop up. Not even a "There is nothing for you right now" message, just blank.

I decided to give a call today and I asked the friendly representative if I was eligible for any PCs on the Platinum (and said I preferably would like to PC into a Quicksilver) and within 10 seconds she said I could upgrade to the Quicksilver. I've only had the Platinum for 5 months, and they automatically increased the base credit line on the Platinum from $1,000 to $3,000 months ago--so that may have played a role. I also recently upgraded my Venture One to a Venture about a month ago. I pay off all my cards full balance every month with the AZEO method as well.

In short, if you've been diligent with managing your credit and don't see any information on the Capital One upgrade link--don't be scared to give a call and see what you're eligible for. I know many of you folks on here have either had BKs or Charge Offs but are pros at managing your credit now and would love to keep climbing the credit ladder with better cards. That's my situation (no BKs, but settled charge offs that have yet to fall off my reports) . Your hard work will pay off!

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

MrBEW — Thu, 08 Apr 2021 01:03:01 GMT

Congrats on the PC! I recieved a preapproval for the Savor One card. Going to call and see if I could just PC my QuickSilver One to a Savor One. Trying to avoid the AF and 3 pull.

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

AllZero — Thu, 08 Apr 2021 01:04:53 GMT

Congratulations on your product upgrade and CLI! Thank you for sharing the data points.

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

Ficoproblems247 — Thu, 08 Apr 2021 01:16:40 GMT

That's why I always tell everyone to pick up the phone if you don't see what you're looking for via the online portal. Good job for being willing to follow up with CS, and congrats on your PC! Enjoy earning those rewards.

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

Ficoproblems247 — Thu, 08 Apr 2021 01:17:55 GMT

@MrBEW wrote:
Congrats on the PC! I recieved a preapproval for the Savor One card. Going to call and see if I could just PC my QuickSilver One to a Savor One. Trying to avoid the AF and 3 pull.

No PCs to the Savor/S1, unfortunately. Maybe someday...there are a lot of people that would be very happy if they did though!

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

MrBEW — Thu, 08 Apr 2021 02:12:46 GMT

Thanks for the heads up

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

Anonymous — Thu, 08 Apr 2021 17:42:40 GMT

@Anonymous wrote:
I had a Capital One Platinum card that I opened in November 2020. I understand that there is no "rigid" ruleset for when you can ask for a PC or CLI in Capital One, but the recommended is 6 months. Regardless, I checked upgrade links and much to my chagrin, nothing would pop up. Not even a "There is nothing for you right now" message, just blank.

I decided to give a call today and I asked the friendly representative if I was eligible for any PCs on the Platinum (and said I preferably would like to PC into a Quicksilver) and within 10 seconds she said I could upgrade to the Quicksilver. I've only had the Platinum for 5 months, and they automatically increased the base credit line on the Platinum from $1,000 to $3,000 months ago--so that may have played a role. I also recently upgraded my Venture One to a Venture about a month ago. I pay off all my cards full balance every month with the AZEO method as well.

In short, if you've been diligent with managing your credit and don't see any information on the Capital One upgrade link--don't be scared to give a call and see what you're eligible for. I know many of you folks on here have either had BKs or Charge Offs but are pros at managing your credit now and would love to keep climbing the credit ladder with better cards. That's my situation (no BKs, but settled charge offs that have yet to fall off my reports) . Your hard work will pay off!

Same for me as far as no offers available for as long as I've had the account (since 11/20). After reading your DP, I called Capital One right after and they upgraded me! Kinda shocked lol.

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

AllZero — Thu, 08 Apr 2021 18:00:53 GMT

@Anonymous wrote:
@Anonymous wrote:
I had a Capital One Platinum card that I opened in November 2020. I understand that there is no "rigid" ruleset for when you can ask for a PC or CLI in Capital One, but the recommended is 6 months. Regardless, I checked upgrade links and much to my chagrin, nothing would pop up. Not even a "There is nothing for you right now" message, just blank.

I decided to give a call today and I asked the friendly representative if I was eligible for any PCs on the Platinum (and said I preferably would like to PC into a Quicksilver) and within 10 seconds she said I could upgrade to the Quicksilver. I've only had the Platinum for 5 months, and they automatically increased the base credit line on the Platinum from $1,000 to $3,000 months ago--so that may have played a role. I also recently upgraded my Venture One to a Venture about a month ago. I pay off all my cards full balance every month with the AZEO method as well.

In short, if you've been diligent with managing your credit and don't see any information on the Capital One upgrade link--don't be scared to give a call and see what you're eligible for. I know many of you folks on here have either had BKs or Charge Offs but are pros at managing your credit now and would love to keep climbing the credit ladder with better cards. That's my situation (no BKs, but settled charge offs that have yet to fall off my reports) . Your hard work will pay off!

Same for me as far as no offers available for as long as I've had the account (since 11/20). After reading your DP, I called Capital One right after and they upgraded me! Kinda shocked lol.

Congratulations on your product upgrade!

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

jcooks — Thu, 08 Apr 2021 18:03:15 GMT

I called them a few days ago before reading this and they referred me to check the account and there was no way to see if I would qualify for a PC. I guess it's whomever you speak to and who is willing to even check.

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

AllZero — Thu, 08 Apr 2021 19:34:32 GMT

@jcooks wrote:
I called them a few days ago before reading this and they referred me to check the account and there was no way to see if I would qualify for a PC. I guess it's whomever you speak to and who is willing to even check.

@jcooks How long have you had the card?

Have you tried the link?

Capital One check for upgrade link

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

jcooks — Thu, 08 Apr 2021 19:52:49 GMT

@AllZero I tried that link and nothing shows me any PC are available, just blank with my account information. Platinum open since June, 2018 and the QuicksilverOne open since January 2019.

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

AllZero — Thu, 08 Apr 2021 20:03:54 GMT

@jcooks wrote:
@AllZero I tried that link and nothing shows me any PC are available, just blank with my account information. Platinum open since June, 2018 and the QuicksilverOne open since January 2019.

If no go for now, I guess try again monthly.

The QuickSilver One generally is the most difficult to PC.

The Platinum should be easier to PC to QuickSilver.

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

AllZero — Thu, 08 Apr 2021 20:37:27 GMT

@jcooks see message 7. Try that method.

https://ficoforums.myfico.com/t5/Credit-Cards/Capital-one-upgrade-link-not-working-anymore/m-p/6228653#M1762861

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

Anonymous — Fri, 09 Apr 2021 06:31:39 GMT

@Anonymous wrote:
@Anonymous wrote:
I had a Capital One Platinum card that I opened in November 2020. I understand that there is no "rigid" ruleset for when you can ask for a PC or CLI in Capital One, but the recommended is 6 months. Regardless, I checked upgrade links and much to my chagrin, nothing would pop up. Not even a "There is nothing for you right now" message, just blank.

I decided to give a call today and I asked the friendly representative if I was eligible for any PCs on the Platinum (and said I preferably would like to PC into a Quicksilver) and within 10 seconds she said I could upgrade to the Quicksilver. I've only had the Platinum for 5 months, and they automatically increased the base credit line on the Platinum from $1,000 to $3,000 months ago--so that may have played a role. I also recently upgraded my Venture One to a Venture about a month ago. I pay off all my cards full balance every month with the AZEO method as well.

In short, if you've been diligent with managing your credit and don't see any information on the Capital One upgrade link--don't be scared to give a call and see what you're eligible for. I know many of you folks on here have either had BKs or Charge Offs but are pros at managing your credit now and would love to keep climbing the credit ladder with better cards. That's my situation (no BKs, but settled charge offs that have yet to fall off my reports) . Your hard work will pay off!

Same for me as far as no offers available for as long as I've had the account (since 11/20). After reading your DP, I called Capital One right after and they upgraded me! Kinda shocked lol.

Awesome!!

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

jcooks — Fri, 09 Apr 2021 12:43:04 GMT

@AllZero wrote:
@jcooks see message 7. Try that method.

https://ficoforums.myfico.com/t5/Credit-Cards/Capital-one-upgrade-link-not-working-anymore/m-p/6228653#M1762861

It worked! Thank you so much for the info. Unfortunately, I PC'd the wrong card!!!! I wanted to PC the QSone to the QS to get rid of the AF, but seemed I did it for the Platinum. Now I have a QSone with 2500 limit and a QS with a 500 limit lol. The AF came a few months ago so I guess it doesn't really hurt all too much. Even that is low anyway.

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

AllZero — Sat, 10 Apr 2021 01:17:19 GMT

@jcooks wrote:
@AllZero wrote:
@jcooks see message 7. Try that method.

https://ficoforums.myfico.com/t5/Credit-Cards/Capital-one-upgrade-link-not-working-anymore/m-p/6228653#M1762861
It worked! Thank you so much for the info. Unfortunately, I PC'd the wrong card!!!! I wanted to PC the QSone to the QS to get rid of the AF, but seemed I did it for the Platinum. Now I have a QSone with 2500 limit and a QS with a 500 limit lol. The AF came a few months ago so I guess it doesn't really hurt all too much. Even that is low anyway.

Congratulations on your product upgrade!

Keep trying on the QS1. As stated earlier, that is the tough one. Good luck.

Re: Capital One Platinum PC to Capital One Quicksilver (w/ Data Points)

TampaBAY86 — Sat, 10 Apr 2021 12:51:47 GMT

@jcooks wrote:
@AllZero wrote:
@jcooks see message 7. Try that method.

https://ficoforums.myfico.com/t5/Credit-Cards/Capital-one-upgrade-link-not-working-anymore/m-p/6228653#M1762861
It worked! Thank you so much for the info. Unfortunately, I PC'd the wrong card!!!! I wanted to PC the QSone to the QS to get rid of the AF, but seemed I did it for the Platinum. Now I have a QSone with 2500 limit and a QS with a 500 limit lol. The AF came a few months ago so I guess it doesn't really hurt all too much. Even that is low anyway.

Not sure if you have other cards getting your spending, but if you are just using the 2 Capital Ones, just put all your spending through the QS, paying off multiple times a month if necessary. That should help it grow to be at least usable.

Most on here seem to find Capital One to be very stingy, but that is usually after you pass into higher limits. Of my handful of cards, they are the one I have received the most CLIs on over the last few years. Many of which have been auto-increases by Capital One. They just want you using their cards (basically to the limit) before they will offer increases.