topic I already did a product change to the Cap1 Quicksilver!! in Credit Cards

I already did a product change to the Cap1 Quicksilver!!

MikeyMagic — Fri, 02 Feb 2024 21:38:02 GMT

Hello all

So I called Capital One yesterday to ask a question about when the statement date is this month for my Platinum Mastercard. I was then told that I could product change my Platinum Mastercard to a Quicksilver. I was shocked because I have only had the card 4 1/2 months. She told me it was available to product change at the end of December!! That's literally only 3 1/2 months since I got this starter card with the $300 limit.

I told her sure go ahead and do it. Is this common to be able to product change a Cap1 card 3 1/2 months into me building my credit? It wasn't even the worse Quicksilver One, it was the better Quicksilver. And I checked on the Cap1 website and the Quicksilver can only be gotten for people with good or excellent credit.

Should I read into this at all? Maybe my credit is building the right way and Cap1 thinks I am worthy to move up to the Quicksilver? I still have the $300 CL but baby steps right?

Re: I already did a product change to the Cap1 Quicksilver!!

Remedios — Fri, 02 Feb 2024 21:49:11 GMT

Yes, it's common.

They cannot offer you QS1 because QS1 has annual fee (Card Act and all that).

Re: I already did a product change to the Cap1 Quicksilver!!

GZG — Fri, 02 Feb 2024 21:52:59 GMT

@MikeyMagic wrote:
Should I read into this at all? Maybe my credit is building the right way and Cap1 thinks I am worthy to move up to the Quicksilver? I still have the $300 CL but baby steps right?

https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Platinum-PC-to-Quicksilver-Only-took-3-Months/m-p/6595193

mine went from $500 to $600 to $2100, but my EQ is dirty, I would expect yours would be more willing to grow.

it's normal for a 3 month PC.

Re: I already did a product change to the Cap1 Quicksilver!!

CramEiko — Sat, 03 Feb 2024 22:59:22 GMT

@Remedios wrote:
Yes, it's common.
They cannot offer you QS1 because QS1 has annual fee (Card Act and all that).

When I first started them , it was a similar thing. $300-500-1800---- stopped at $8,000 credit limit.

From Patinum, upgrade to Quicksilver (QS) card (both cards had anual fees). I called apx a year ofter opening the card and had them upgrade it to a QS1 with no anual fee. It reamained in the Platinum level of their CCDs at each "upgrade".

Good luck!