topic Re: Capital One Product Change (and CLI) in Credit Cards

Capital One Product Change (and CLI)

HowDoesThisAllWork — Sun, 19 Sep 2021 21:05:01 GMT

Good evening!

So, I have looked in the forums about this topic and see several rather longer, detailed threads. But.....they are from 2016. Five years ago. I ask today just to take away the "dude, I should have asked as the details that I found were five years old at the time..." concern.

So, quick story: I have the Capital One Platinum Master Card. I have a $3,000 Starting Credit Limit and I have this card since July 4, 2021. So, 2.5 months as of today. I put about $400 - $500 spend on it each billing cycle and I use it both for on-line as well as for 'swipe' transactions.

My goal is to Product Change this to the QuickSilver in late January, 2022. Assuming, of course, that it is available to me to do. I would also like to make a Credit Line Increase request.

Please forgive me if I missed some recent thread about this topic. I did look! :-)

Questions:

1. Generally speaking, does my plan seem sound? Yes, every credit profile is different so what works for you might not work for me. But does this plan pass the smell test?

2. Is there any better pecking order? I plan to request the PC and then the CLI. All things being equal, is requesting the CLI first and then doing the PC a better idea? Or, am I overthinking this?

3. If there is no "Update Available" in my Capital One account, does that - generally speaking - mean that neither a PC nor a CLI is likely? I do not have a lot of experience with this sort of thing with Capital One (which is to say that I have ZERO experience).

Thanks!

Re: Capital One Product Change (and CLI)

tnhomestead — Sun, 19 Sep 2021 22:38:47 GMT

So I did get the upgrade to quicksilver, took about 6 months? No clue on the order to do it in as cap1 has been stingy on CLI for me until this last month.

Good luck

Re: Capital One Product Change (and CLI)

scoates0 — Mon, 20 Sep 2021 00:22:55 GMT

Well my experience is I had a Platinum and product changed to the Quicksilver. Then about 2 months later I asked for a CLI and it was denied. The reason was the account was too new. I think I got that denial because of the product change because based on the Platinum I had been with Capital One for a year.

Re: Capital One Product Change (and CLI)

HowDoesThisAllWork — Mon, 20 Sep 2021 12:27:35 GMT

@tnhomestead

If I might, did you receive something (invitation, upgrade notification, qualify for) from Capital One or did you just go for it (talking about the Product Change)?

And thank you for your initial reply. This does indeed help.

My primary focus is doing the PC. If there should be a CLI, all the better. But initial goal is PC.

Re: Capital One Product Change (and CLI)

HowDoesThisAllWork — Mon, 20 Sep 2021 12:30:19 GMT

@scoates0

Thank you for your initial reply.

So, if my main goal here is the PC, then it sounds like I might be best served by focusing on that. And worry about any CLI (I do not really need a CLI, but if I it is available.....why not, right?) later.

I am not aware of the "standard" time frames associated with CLIs for Capital One (if there is such a creature). I will have some homework to do!

Re: Capital One Product Change (and CLI)

scoates0 — Mon, 20 Sep 2021 14:02:06 GMT

I am not an expert by any means. In my opinion if your main purpose is the product change then I would do that first because Captial One is known for not being generous with the credit line increases. There are a lot of threads on the forum about Capital One credit line increases and timelines. You can use the search function and there is a lot of info out there. Hopefully one of the credit gurus on here can chime in give you more definite info than I can. Good luck whichever way u decide to proceed. 😊

Re: Capital One Product Change (and CLI)

Adkins — Tue, 21 Sep 2021 12:15:36 GMT

@HowDoesThisAllWork wrote:
@scoates0

Thank you for your initial reply.

So, if my main goal here is the PC, then it sounds like I might be best served by focusing on that. And worry about any CLI (I do not really need a CLI, but if I it is available.....why not, right?) later.

I am not aware of the "standard" time frames associated with CLIs for Capital One (if there is such a creature). I will have some homework to do!

Capital One tends to give CLIs every six months, if available to one's profile.

Re: Capital One Product Change (and CLI)

Trini88 — Tue, 21 Sep 2021 13:20:27 GMT

Even though I paid off my card every month and was in great standing with Capital One, they kept denying me my product change. I ended up finding out on this website that if I went into my account on my computer and putting in /productupgrade or something like that, that I would get the upgrade. Of course that didn't even work as well until I decided to go into incognito then it worked smh. I got a CLI automatically about 2 weeks after that. A CLI was also denied to me numerous times by them.

I would try for the product change first if I were you. Might as well get rewarded for spending with them.

Re: Capital One Product Change (and CLI)

Anonymous — Tue, 21 Sep 2021 13:51:43 GMT

My wife just product changed both of her Capital One Platinum cards recently to QuickSilver cards. (I still have no clue how she applied for 2 CapOne Platinum cards without realizing it...) Right before the PC she requested a CLI on both cards as well. There was no PC offer in the CapOne app, but she called and the CSR quickly upgraded both accounts.

Re: Capital One Product Change (and CLI)

HowDoesThisAllWork — Thu, 23 Sep 2021 14:42:43 GMT

Thank you, everyone! Your experiences and input have helped me a ton! :-)

Re: Capital One Product Change (and CLI)

tnhomestead — Fri, 24 Sep 2021 13:26:29 GMT

I found a link here somewhere to add the upgrade offer to the end of the url and I tried it. Was pretty surprised, but jumped on it. If I remember where I got that, will post it.

Stolen from ficoproblems243 post here it is.

. Go to the account page, click on your card, click on the addres bar; it should end with the = sign. After the = type /productupgrade

Re: Capital One Product Change (and CLI)

AeroKrix — Sat, 25 Sep 2021 03:14:50 GMT

@tnhomestead wrote:
I found a link here somewhere to add the upgrade offer to the end of the url and I tried it. Was pretty surprised, but jumped on it. If I remember where I got that, will post it.
Stolen from ficoproblems243 post here it is.

. Go to the account page, click on your card, click on the addres bar; it should end with the = sign. After the = type /productupgrade

Thats what i did with my Platinum no AF. Opened in Feb 2021, got a CLI on the 6 month mark in August. I didnt see any offers to product change so I tried the /productupgrade and the offer popped up to PC to Quicksilver with no AF. I PC'd in early September.

Re: Capital One Product Change (and CLI)

HowDoesThisAllWork — Sat, 25 Sep 2021 08:28:22 GMT

Nice to know! Thank you, everyone!