topic Re: Capital One Quicksilver change network strategy in Credit Cards

Capital One Quicksilver change network strategy

kenyong — Thu, 12 Jan 2023 04:50:14 GMT

Hi I understand it's not possible to change current QS from Visa to MasterCard. Any strategy to upgrade QS to another card first, and then downgrade it back to QS (so this QS will be a MasterCard)? Thank you

Re: Capital One Quicksilver change network strategy

OmarGB9 — Thu, 12 Jan 2023 04:53:23 GMT

I don't believe so - once you are on a certain network, PCing around won't change the network.

Re: Capital One Quicksilver change network strategy

Zoostation1 — Thu, 12 Jan 2023 04:58:24 GMT

I'm assuming this is an older QS with it being Visa (current new QS accouts are issued as a WEMC)? Also, is there a particular reason you want it to be a Mastercard?

Re: Capital One Quicksilver change network strategy

kenyong — Thu, 12 Jan 2023 05:19:33 GMT

I want to have the better benefits from MC World Elite. Yes my current QS is the older version.

@Zoostation1 wrote:
I'm assuming this is an older QS with it being Visa (current new QS accouts are issued as a WEMC)? Also, is there a particular reason you want it to be a Mastercard?

Re: Capital One Quicksilver change network strategy

FinStar — Thu, 12 Jan 2023 05:27:33 GMT

@kenyong wrote:
I want to have the better benefits from MC World Elite. Yes my current QS is the older version.
@Zoostation1 wrote:
I'm assuming this is an older QS with it being Visa (current new QS accouts are issued as a WEMC)? Also, is there a particular reason you want it to be a Mastercard?

As mentioned upthread, it will stay in the same network. There are both networks still in circulation and Capital One hasn't enforced any strict or network uniformity with all of their legacy cards to switch everyone to a single network. My QS is still a VS and it's been PC'd from Venture before.

Re: Capital One Quicksilver change network strategy

OmarGB9 — Thu, 12 Jan 2023 05:58:53 GMT

@kenyong wrote:
I want to have the better benefits from MC World Elite. Yes my current QS is the older version.
@Zoostation1 wrote:
I'm assuming this is an older QS with it being Visa (current new QS accouts are issued as a WEMC)? Also, is there a particular reason you want it to be a Mastercard?

Which benefits? I ask because although they are giving out WEMCs, they've been gutted of pretty much all useful benefits (lenders, in this case Cap One, get to pick and choose which benefits to provide), so it's no better than a standard Visa Platinum.

Re: Capital One Quicksilver change network strategy

Anonymalous — Thu, 12 Jan 2023 09:32:33 GMT

@OmarGB9 wrote:
@kenyong wrote:
I want to have the better benefits from MC World Elite. Yes my current QS is the older version.
@Zoostation1 wrote:
I'm assuming this is an older QS with it being Visa (current new QS accouts are issued as a WEMC)? Also, is there a particular reason you want it to be a Mastercard?

Which benefits? I ask because although they are giving out WEMCs, they've been gutted of pretty much all useful benefits (lenders, in this case Cap One, get to pick and choose which benefits to provide), so it's no better than a standard Visa Platinum.

A couple lenders have notoriously stripped almost all network benefits from their higher tier cards, but when Capital One upgraded almost everyone's cards to WEMC's last year, the upgrade included a lot of the Mastercard benefits.

This is the list for their standard WEMCs:

Purchase assurance
Price protection
Extended warranty
Digital merchant offers
Concierge services
ID theft protection
Identity fraud expense reimbursement
Travel assistance services
MasterRental coverage
Worldwide automatic travel accident, baggage delay & trip cancellation/interruption insurance
Lost or damaged luggage

https://www.capitalone.com/credit-cards/benefits-guide/

Re: Capital One Quicksilver change network strategy

Who_wuda_thought — Thu, 12 Jan 2023 11:16:30 GMT

@Anonymalous

@Anonymalous wrote:
@OmarGB9 wrote:
@kenyong wrote:
I want to have the better benefits from MC World Elite. Yes my current QS is the older version.
@Zoostation1 wrote:
I'm assuming this is an older QS with it being Visa (current new QS accouts are issued as a WEMC)? Also, is there a particular reason you want it to be a Mastercard?

Which benefits? I ask because although they are giving out WEMCs, they've been gutted of pretty much all useful benefits (lenders, in this case Cap One, get to pick and choose which benefits to provide), so it's no better than a standard Visa Platinum.
A couple lenders have notoriously stripped almost all network benefits from their higher tier cards, but when Capital One upgraded almost everyone's cards to WEMC's last year, the upgrade included a lot of the Mastercard benefits.

This is the list for their standard WEMCs:
Purchase assurance
Price protection
Extended warranty
Digital merchant offers
Concierge services
ID theft protection
Identity fraud expense reimbursement
Travel assistance services
MasterRental coverage
Worldwide automatic travel accident, baggage delay & trip cancellation/interruption insurance
Lost or damaged luggage
https://www.capitalone.com/credit-cards/benefits-guide/

There really weren't many "perks" added with the "upgrade" of the Capital One World MC's to World Elite MC's. I think it enabled access to experiences and such, perhaps?

Capital One World Mastercard Guide to Benefits shows the following same benefits:

Purchase Assurance
Price Protection
Extended Warranty
World Mastercard Digital Merchant Offers
Concierge Services
Mastercard ID Theft Protection
Identity Fraud Expense Reimbursement
Travel Assistance Services
MasterRental Coverage
Worldwide Automatic Travel Accident, Baggage Delay & Trip Cancellation/Interruption Insurance
Lost or Damaged Luggage

Re: Capital One Quicksilver change network strategy

Anonymalous — Thu, 12 Jan 2023 11:36:09 GMT

@Who_wuda_thought wrote:
There really weren't many "perks" added with the "upgrade" of the Capital One World MC's to World Elite MC's. I think it enabled access to experiences and such, perhaps?
Capital One World Mastercard Guide to Benefits shows the following same benefits:

That's still Mastercard World, though. Until the upgrade to a WEMC, my Quicksilver was a Platinum. I'm not sure what if any network benefits it included, but I don't believe it had that full list.