topic Re: Cap one quicksilver to venture or call for PC? in Credit Cards

Cap one quicksilver to venture or call for PC?

g8tor89 — Sat, 24 Dec 2022 20:42:42 GMT

So I recieved a product upgrade offer through the cap one upgrade link to change my Quicksilver one to a VentureOne. However what I really want is a savor one. Because I dont really use my QS one anymore (got an FNBO card with 2% cashback on everything, so 1.5% doesnt do anything and no real reason to use it outside of an emergency purchase - keeping the CL open though as its my oldest card) but I could use a savor one for my hulu subscription (3% back). With that said, upgrading to the venture one would still eliminate the annual fee, so it would be worth it to do it if that's really my only option at the moment. So, my question is: would it be worth it to call CS and see if they'll do a savor one upgrade instead? Or just bite the bullet and go ahead and move up to the venture one?

Re: Cap one quicksilver to venture or call for PC?

GZG — Sat, 24 Dec 2022 20:53:25 GMT

@g8tor89 wrote:
So I recieved a product upgrade offer through the cap one upgrade link to change my Quicksilver one to a VentureOne. However what I really want is a savor one. Because I dont really use my QS one anymore (got an FNBO card with 2% cashback on everything, so 1.5% doesnt do anything and no real reason to use it outside of an emergency purchase - keeping the CL open though as its my oldest card) but I could use a savor one for my hulu subscription (3% back). With that said, upgrading to the venture one would still eliminate the annual fee, so it would be worth it to do it if that's really my only option at the moment. So, my question is: would it be worth it to call CS and see if they'll do a savor one upgrade instead? Or just bite the bullet and go ahead and move up to the venture one?

highly unlikely that phone support will offer you anything different than is found at your upgrade link, but it's a quick phone call, might as well try.

Close the card or accept the PC, regardless. Don't pay the next year's AF when you don't have to.

Re: Cap one quicksilver to venture or call for PC?

mgood — Sat, 24 Dec 2022 21:03:01 GMT

Re: Cap one quicksilver to venture or call for PC?

FinStar — Sat, 24 Dec 2022 21:07:34 GMT

@g8tor89 wrote:
So I recieved a product upgrade offer through the cap one upgrade link to change my Quicksilver one to a VentureOne. However what I really want is a savor one. Because I dont really use my QS one anymore (got an FNBO card with 2% cashback on everything, so 1.5% doesnt do anything and no real reason to use it outside of an emergency purchase - keeping the CL open though as its my oldest card) but I could use a savor one for my hulu subscription (3% back). With that said, upgrading to the venture one would still eliminate the annual fee, so it would be worth it to do it if that's really my only option at the moment. So, my question is: would it be worth it to call CS and see if they'll do a savor one upgrade instead? Or just bite the bullet and go ahead and move up to the venture one?

It's doubtful they'll upgrade/PC from QuicksilverOne to SavorOne, but you can call. If anything, take the VentureOne upgrade especially if this helps you get rid of the AF.

Is your QS1 a V or MC?

Re: Cap one quicksilver to venture or call for PC?

g8tor89 — Sat, 24 Dec 2022 21:24:13 GMT

Mastercard

Thanks for the advice guys. Looks like I'll just give them a quick call, but not expect much as they'll probably just go off their computer which will tell them the same thing Im seeing on the upgrade screen.

Re: Cap one quicksilver to venture or call for PC?

mgood — Sat, 24 Dec 2022 21:29:42 GMT

Seems like it's not very often that Cap 1 offers you a way out of an annual fee card. Take whatever you can get in a free card to get out of paying the fee. Just saying don't hold out for a SavorOne offer you think you might get later. Get out of the fee now. Worry about what else it could be turned in to later.

Re: Cap one quicksilver to venture or call for PC?

g8tor89 — Sat, 24 Dec 2022 23:53:03 GMT

So the update is basically what was expected: Called, talked to a very attentive, US based agent (and not the staff you get when you first call the hotline - he was identified as an account specialist. And it was clear he was not reading from a script) who listened carefully but basically confirmed that his system would only show the same thing that appeared in the upgrade part of your online account and confirmed that the venture one was the only thing showing for him as a option for a product change. Went ahead and pulled the trigger to at least jettison the annual fee.

Re: Cap one quicksilver to venture or call for PC?

OmarGB9 — Sun, 25 Dec 2022 02:12:51 GMT

@g8tor89 wrote:
So the update is basically what was expected: Called, talked to a very attentive, US based agent (and not the staff you get when you first call the hotline - he was identified as an account specialist. And it was clear he was not reading from a script) who listened carefully but basically confirmed that his system would only show the same thing that appeared in the upgrade part of your online account and confirmed that the venture one was the only thing showing for him as a option for a product change. Went ahead and pulled the trigger to at least jettison the annual fee.

Sorry it didn't quite work out as you hoped, but at least you got rid of the AF!

Re: Cap one quicksilver to venture or call for PC?

SweetCreditObsession — Sun, 25 Dec 2022 14:56:36 GMT

Call in and try for it. If denied take whatever gets you a non AF card. Best wishes.

Congratulations on the upgrade!

Re: Cap one quicksilver to venture or call for PC?

Zoostation1 — Sat, 31 Dec 2022 19:12:00 GMT

I took the same PC from QS1 to V1 a few months ago to get rid of the AF. From what I've seen on other posts it's often only offer to leave QS1. QS1 to QS is really rare and QS1 to SavorOne is pretty much nonexisting (it's extremely rare to PC anything to SavorOne/Savor). Further down the line they may let you go from V1 to QS.

Re: Cap one quicksilver to venture or call for PC?

NoMoreE46 — Wed, 04 Jan 2023 19:29:08 GMT

@Zoostation1 wrote:
I took the same PC from QS1 to V1 a few months ago to get rid of the AF. From what I've seen on other posts it's often only offer to leave QS1. QS1 to QS is really rareand QS1 to SavorOne is pretty much nonexisting (it's extremely rare to PC anything to SavorOne/Savor). Further down the line they may let you go from V1 to QS.

The suspected reason why we haven't seen any PCs from the QS family to the Savor family is due to the cards' different respective networks (V & MC). One can PC from QS to the Venture family. Venture cards are on Visa.

I would love to hear of any MC issued QS successfully being PC to a Savor...

Re: Cap one quicksilver to venture or call for PC?

UncleB — Thu, 05 Jan 2023 05:20:13 GMT

@g8tor89 wrote:
So the update is basically what was expected: Called, talked to a very attentive, US based agent (and not the staff you get when you first call the hotline - he was identified as an account specialist. And it was clear he was not reading from a script) who listened carefully but basically confirmed that his system would only show the same thing that appeared in the upgrade part of your online account and confirmed that the venture one was the only thing showing for him as a option for a product change. Went ahead and pulled the trigger to at least jettison the annual fee.

Congrats on getting rid of your AF!

There's nothing at all wrong with the Venture One, but in a few months you might consider checking online to see if there's another upgrade available to a Quicksilver. That'll put you back getting 1.5% cash back again.

Re: Cap one quicksilver to venture or call for PC?

UncleB — Thu, 05 Jan 2023 05:33:26 GMT

@NoMoreE46 wrote:
@Zoostation1 wrote:
I took the same PC from QS1 to V1 a few months ago to get rid of the AF. From what I've seen on other posts it's often only offer to leave QS1. QS1 to QS is really rareand QS1 to SavorOne is pretty much nonexisting (it's extremely rare to PC anything to SavorOne/Savor). Further down the line they may let you go from V1 to QS.
The suspected reason why we haven't seen any PCs from the QS family to the Savor family is due to the cards' different respective networks (V & MC). One can PC from QS to the Venture family. Venture cards are on Visa.

I would love to hear of any MC issued QS successfully being PC to a Savor...

I might have a data point that's related to what you're looking for.

I had a Quicksilver One Platinum MC (transitioned from HSBC) that had a $79 AF. After a few years (!) they finally gave me a PC to a Quicksilver which took the AF away. A year or two later out of boredom I did a PC to a Venture One to see if that would shake things up for a CLI (it didn't). A year or so after that I did another PC to a Savor - this was before the refresh.

Once the Savor product was refreshed all those who already had it were allowed to keep it with no AF, and that's where things stay today. Also mildly interesting, my card expires this month and the new card that arrived a few weeks back is another "Platinum MasterCard," even though my account was supposedly upgraded to a WEMC back in the summer.

In the past Capital One was never too picky with what network a card was on, and 'Frankencards' were possible via PC. A notable/known exception to this is the Venture X, but otherwise I've not heard of Capital One being too fussy over MC vs. Visa.

Re: Cap one quicksilver to venture or call for PC?

Zoostation1 — Thu, 05 Jan 2023 05:58:13 GMT

It seems messy to me all in all. I found a DoC page from 2018 with a screenshot indicating a change from WEMC to Visa Signature, yet they were fairly recently issuing as QS approvals as WMC and then changed to back to WEMC for existing and new MC approvals (though with wimpier benefits it seems than prior WEMC). Only PCs from Platinum and QS1 appear to be platinum MC?

Re: Cap one quicksilver to venture or call for PC?

Horseshoez — Thu, 05 Jan 2023 13:35:11 GMT

@NoMoreE46 wrote:
@Zoostation1 wrote:
I took the same PC from QS1 to V1 a few months ago to get rid of the AF. From what I've seen on other posts it's often only offer to leave QS1. QS1 to QS is really rareand QS1 to SavorOne is pretty much nonexisting (it's extremely rare to PC anything to SavorOne/Savor). Further down the line they may let you go from V1 to QS.
The suspected reason why we haven't seen any PCs from the QS family to the Savor family is due to the cards' different respective networks (V & MC). One can PC from QS to the Venture family. Venture cards are on Visa.

I would love to hear of any MC issued QS successfully being PC to a Savor...

What I find interesting about this is, for at least the last several years, all Quicksilver cards have been MasterCard; it is only the older cards which were on the Visa network.

Re: Cap one quicksilver to venture or call for PC?

OniStringer — Mon, 09 Jan 2023 06:56:43 GMT

Congrats on the upgrade.!

Re: Cap one quicksilver to venture or call for PC?

mgood — Tue, 10 Jan 2023 02:07:54 GMT

@NoMoreE46 wrote:
@Zoostation1 wrote:
I took the same PC from QS1 to V1 a few months ago to get rid of the AF. From what I've seen on other posts it's often only offer to leave QS1. QS1 to QS is really rareand QS1 to SavorOne is pretty much nonexisting (it's extremely rare to PC anything to SavorOne/Savor). Further down the line they may let you go from V1 to QS.
The suspected reason why we haven't seen any PCs from the QS family to the Savor family is due to the cards' different respective networks (V & MC). One can PC from QS to the Venture family. Venture cards are on Visa.

I would love to hear of any MC issued QS successfully being PC to a Savor...

My QS is a MC. Opened in Nov 2015 as a Platinum. PC in Dec 2020 to QS.

When I use the /productupgrade address, it (usually) says I can "upgrade" to Venture or Venture One. Never Savor or Savor One.

EDIT: My Platinum then Quicksilver were World Mastercard, recently upgraded to World Elite Mastercard around the time most others here got that upgrade.

Re: Cap one quicksilver to venture or call for PC?

Zoostation1 — Tue, 10 Jan 2023 05:09:39 GMT

V1 is a mastercard unlike Venture and VX so I'm not surprised to see it as an option from a QS MC. The only thing I've noticed is that V1 cards that start out as a a normal V1 with the sub or even a no sub "for good credit version" will be issued as WEMC but if they were PCed from a Platinum or QS1 they'll stay standard/platinum.

Re: Cap one quicksilver to venture or call for PC?

FinStar — Tue, 10 Jan 2023 05:43:41 GMT

@Zoostation1 wrote:
V1 is a mastercard unlike Venture and VX so I'm not surprised to see it as an option from a QS MC. The only thing I've noticed is that V1 cards that start out as a a normal V1 with the sub or even a no sub "for good credit version" will be issued as WEMC but if they were PCed from a Platinum or QS1 they'll stay standard/platinum.

Venture has also been issued as WMC and WE in the past. Capital One has switched networks several times over the years on pretty much all their core family of personal cards even when it absorbed CCs from HSBC and Orchard Bank except for their recent entrant Venture X which is issued as VI. Though, the tier/level upgrades are even more quirky.

Re: Cap one quicksilver to venture or call for PC?

SpaceCityCCuser — Tue, 24 Jan 2023 01:06:59 GMT

@Zoostation1 wrote:
V1 is a mastercard unlike Venture and VX so I'm not surprised to see it as an option from a QS MC. The only thing I've noticed is that V1 cards that start out as a a normal V1 with the sub or even a no sub "for good credit version" will be issued as WEMC but if they were PCed from a Platinum or QS1 they'll stay standard/platinum.

I was upgraded over the phone from a Platinum MC to a V1 and about a month later I received an email that it was turned into a WEMC. It was just a plain jane MC not even a WMC or anything.