topic Re: Capital One sock drawer in Credit Cards

Capital One sock drawer

3bcswins3 — Thu, 15 Sep 2022 17:08:50 GMT

I've been trying to get my Capital One Mastercard card out of the sock drawer for several years now. It was my first card using credit steps and then eventually upgraded to quicksilver. I've been trying to get the savor one card, but it's never available to upgrade to. I ended up ungrading to Venture One over a year ago despite not traveling much in hopes that I could upgrade to savor one from that, but no such luck. Any idea how I can upgrade to a Savor One?

Re: Capital One sock drawer

Mycreditjourney2020 — Thu, 15 Sep 2022 17:29:47 GMT

I haven't heard of anyone recently being offered that upgrade option. I recently upgraded a Quicksilver one to Quicksilver with only other option the Venture. Also upgraded Platinum and Quicksilver was only option. You are probably going to have to apply for the Savor if it's really what you want.

You could also call Capital One and I'm sure they'd let you know if it'll ever be an option for you.

Re: Capital One sock drawer

CYBERSAM — Thu, 15 Sep 2022 18:12:26 GMT

@3bcswins3 wrote:
I've been trying to get my Capital One Mastercard card out of the sock drawer for several years now. It was my first card using credit steps and then eventually upgraded to quicksilver. I've been trying to get the savor one card, but it's never available to upgrade to. I ended up ungrading to Venture One over a year ago despite not traveling much in hopes that I could upgrade to savor one from that, but no such luck. Any idea how I can upgrade to a Savor One?

I was in the same boat as you! Had QS for a long time, but Cap1 did not wanted to upgrade to Savor. So finally canceled it after they sent me a letter to reduce my CL. I found QS to be absolute compare to other no AF CCs. It is only good for rebuilder card but even then Cap1 is bucketing customers now...

I would have kept it if they upgraded to Savor.

Re: Capital One sock drawer

SUPERSQUID — Thu, 15 Sep 2022 18:28:47 GMT

@3bcswins3 wrote:
I've been trying to get my Capital One Mastercard card out of the sock drawer for several years now. It was my first card using credit steps and then eventually upgraded to quicksilver. I've been trying to get the savor one card, but it's never available to upgrade to. I ended up ungrading to Venture One over a year ago despite not traveling much in hopes that I could upgrade to savor one from that, but no such luck. Any idea how I can upgrade to a Savor One?

If you only have that one cap 1 card maybe you can app for the savor one seperately.

If you do chances are better for the savor one for good credit, no af and 3 pct cb for dining and groceries.

If you app for the regular savor with the sub , AF, and 4 pct cb it has strict underwriting, the savor one for good credit has much easier uw.

Re: Capital One sock drawer

H_you — Thu, 15 Sep 2022 19:03:50 GMT

If you want a Savor/SavorOne card you're going to have to apply for it. Multiple Cap1 dp's say they do not accept upgrades to Savor.

Re: Capital One sock drawer

ficosuave — Thu, 15 Sep 2022 19:21:29 GMT

There was that small window about 4 years ago (pre-Savor refresh) when they were allowed. Wish I had taken advantage of it back then. Keep thinking they'll flip that switch and allow PC's to the Savor line again but, so far, no dice.

I guess there's always a chance. They've gone back and forth on graduating secured cards, for example. I know some are still hoping to see the return of account combinations as well.

Re: Capital One sock drawer

Jordan23ww — Thu, 15 Sep 2022 19:23:53 GMT

Similar to you we've been trying to upgrade my DW's Quicksilver to the Savor One card. In 2019 we had product changed it from a Platinum to the Quicksilver.

The rep told us recently only option they were showing was to product change to the Venture One. She has been getting a invitation to apply for the Savor One almost monthly for a year and a half. I just figured it would be eligible to product change when we called, but nope it wasn't. We currently only use it for a small reoccurring bill just to keep it active. Hopefully they eventually allow us to product change it. No desire to apply for it.

Re: Capital One sock drawer

Bradac56 — Thu, 15 Sep 2022 20:14:55 GMT

Cap1 looks at the Quicksilver and Savor lines as seperate products. I doubt they will ever open up mass transfers between them.

I know of a few people that have done it but they are also in the "I'm old & money is no object" catagory.

Re: Capital One sock drawer

LawStudentCivilis — Thu, 15 Sep 2022 21:46:31 GMT

@Bradac56 wrote:
Cap1 looks at the Quicksilver and Savor lines as seperate products. I doubt they will ever open up mass transfers between them.
I know of a few people that have done it but they are also in the "I'm old & money is no object" catagory.

I'm certainly not old and money will always be an object! But as mentioned by @ficosuave upthread I was able to product change my quicksilver to Savor when the Savor card was first introduced.

Re: Capital One sock drawer

mgood — Fri, 16 Sep 2022 01:53:24 GMT

@ficosuave wrote:
There was that small window about 4 years ago (pre-Savor refresh) when they were allowed. Wish I had taken advantage of it back then. Keep thinking they'll flip that switch and allow PC's to the Savor line again but, so far, no dice.

I guess there's always a chance. They've gone back and forth on graduating secured cards, for example. I know some are still hoping to see the return of account combinations as well.

I check multiple times per week hoping for the chance to PC my QS to a SavorOne. Thinking maybe someone at Cap1 will hit the wrong button by mistake and I don't want to miss it

It always shows that I can "upgrade" to a Venture or VentureOne.

Re: Capital One sock drawer

Zoostation1 — Fri, 16 Sep 2022 05:31:09 GMT

Venture One is the most likely but there are DP showing the fairly rare upgrade from old cards no longer taking applicants to regularQS and QS1 to QS. Some have had to go to V1 and then from V1 to QS.

Re: Capital One sock drawer

Gollum — Fri, 16 Sep 2022 07:36:56 GMT

@3bcswins3 wrote:
I've been trying to get my Capital One Mastercard card out of the sock drawer for several years now. It was my first card using credit steps and then eventually upgraded to quicksilver. I've been trying to get the savor one card, but it's never available to upgrade to. I ended up ungrading to Venture One over a year ago despite not traveling much in hopes that I could upgrade to savor one from that, but no such luck. Any idea how I can upgrade to a Savor One?

I've had a Capital One credit card for 20 years or so, and it is not and never was a "bucketed" credit card: its credit limit was eventually automatically increased to $10,500 before I told Capital One that I did not want any more automatic credit limit increases, then (over time) I decreased its credit limit to $500.

After the Savor One card was introduced, I have occasionally asked to have my card switched/upgraded to a Savor One, and my request has always been denied. I have excellent credit and 20 years or so with an "unbucketed" credit card with Capital One.

If you want a Savor One card, I think you will have to apply for it. It seems unlikely that Capital One will ever allow a product change to Savor One.

Re: Capital One sock drawer

MrDisco99 — Sat, 17 Sep 2022 03:12:49 GMT

Nobody can convert any Cap1 cards to a Savor or SavorOne. If you want one you have to apply for it.

They didn't even let me downgrade my Savor to a SavorOne when the annual fee came up. I had to cancel it. I just now got a SavorOne a couple years later.

Re: Capital One sock drawer

WasteMgmt — Sat, 17 Sep 2022 23:17:48 GMT

It really is unfortunate that CapOne won't allow a PC to the Savor line. They really are missing out on a lot of potential use as a lot of people grow out of the QS line.

Re: Capital One sock drawer

Lou-natic — Sun, 18 Sep 2022 10:40:07 GMT

The only reason I have 2 QS cards is because I am holding out hope that maybe one day they will either let me convert one to a SavorOne card and/or let me combine accounts again. The 2nd card has 0% interest until Dec. so it won't be closed until then at least but it feels "weird" to me to have two of the same 1.5% CB card when I also have two general 2% CB cards. I don't need the Cap1 cards but at the same time who knows what Cap1 will do in the future.

Re: Capital One sock drawer

Suzette2 — Sun, 18 Sep 2022 12:57:08 GMT

@Mycreditjourney2020 wrote:
I haven't heard of anyone recently being offered that upgrade option. I recently upgraded a Quicksilver one to Quicksilver with only other option the Venture. Also upgraded Platinum and Quicksilver was only option. You are probably going to have to apply for the Savor if it's really what you want.
You could also call Capital One and I'm sure they'd let you know if it'll ever be an option for you.

Was it a HP to upgrade your quicksilver?

Re: Capital One sock drawer

Lou-natic — Sun, 18 Sep 2022 23:01:35 GMT

If Cap1 lets you product change it won't be a hard pull.

Just go to your Cap1 online account, select your card and then in the address bar add /productupgrade and hit enter.

If you are elegible they will show you your options.

Re: Capital One sock drawer

Anonymalous — Sun, 18 Sep 2022 23:11:31 GMT

@Lou-natic wrote:
If Cap1 lets you product change it won't be a hard pull.

Confirming this. I used the link to upgrade my Platinum to a Quicksilver late last year, and I don't think there was even a soft pull (since I have an account, they do account review soft pulls every couple months, and they probably just used the last one).

Re: Capital One sock drawer

Zoostation1 — Mon, 19 Sep 2022 01:09:01 GMT

@Anonymalous wrote:
@Lou-natic wrote:
If Cap1 lets you product change it won't be a hard pull.
Confirming this. I used the link to upgrade my Platinum to a Quicksilver late last year, and I don't think there was even a soft pull (since I have an account, they do account review soft pulls every couple months, and they probably just used the last one).

I've been spamming the upgrade link on a QS1 for the last month or two prior to this week when I opened up a SavorOne. Does opening the new account have any negative impact on the potential for upgrading the other card? I've been putting a signficant spend through the QS1 (anywhere from $1700-$2400/mo for 7 months) but it's going to drop down significantly with the SavorOne getting my grocery and streaming spend right away and my dining spend shortly after.

Re: Capital One sock drawer

Anonymalous — Mon, 19 Sep 2022 02:02:45 GMT

@Zoostation1 wrote:
@Anonymalous wrote:
@Lou-natic wrote:
If Cap1 lets you product change it won't be a hard pull.
Confirming this. I used the link to upgrade my Platinum to a Quicksilver late last year, and I don't think there was even a soft pull (since I have an account, they do account review soft pulls every couple months, and they probably just used the last one).
I've been spamming the upgrade link on a QS1 for the last month or two prior to this week when I opened up a SavorOne. Does opening the new account have any negative impact on the potential for upgrading the other card? I've been putting a signficant spend through the QS1 (anywhere from $1700-$2400/mo for 7 months) but it's going to drop down significantly with the SavorOne getting my grocery and streaming spend right away and my dining spend shortly after.

There are a couple of reports of people upgrading the QS1 to a card with no annual fee, but it seems to be incredibly rare. You're probably stuck.