topic Re: Capital One PC Question in Credit Cards

Capital One PC Question

Anonymous — Wed, 21 Aug 2013 05:10:19 GMT

Decided to split this off of my Citi post in hopes of getting some help:

I called Cap One and asked to PC my Platinum card from 9+ years ago to a better card. Told them I didn't feel the Platinum was growing with me. They agreed, but said I didn't have any offers to PC and would have to apply for a new card altogether. They did point out that the pricing structure I have isn't even offered anymore and that they are (and have been for quite some time) waiving the monthly and AF. I don't want to app for a new card because I'm in the garden. Do you think the EO would be able to PC my card? Any advice please?

Thanks in advance!

Re: Capital One PC Question

myjourney — Wed, 21 Aug 2013 05:11:34 GMT

@Anonymous wrote:
Decided to split this off of my Citi post in hopes of getting some help:

I called Cap One and asked to PC my Platinum card from 9+ years ago to a better card. Told them I didn't feel the Platinum was growing with me. They agreed, but said I didn't have any offers to PC and would have to apply for a new card altogether. They did point out that the pricing structure I have isn't even offered anymore and that they are (and have been for quite some time) waiving the monthly and AF. I don't want to app for a new card because I'm in the garden. Do you think the EO would be able to PC my card? Any advice please?

Thanks in advance!

EO or facebook

Re: Capital One PC Question

Anonymous — Wed, 21 Aug 2013 05:14:38 GMT

I know this is going to sound crazy, but...I don't use FB! What EO number do I use?

Re: Capital One PC Question

myjourney — Wed, 21 Aug 2013 05:17:03 GMT

@Anonymous wrote:
I know this is going to sound crazy, but...I don't use FB! What EO number do I use?

Coming your way

Re: Capital One PC Question

djc1puno — Wed, 21 Aug 2013 05:35:30 GMT

you can ask them to give add on some sort of rewards...ie, quicksilver or the venture card...that's what i did with my orchard turned plat, and my og plat... gl! looks like myjourney got you covered with the eo info heh

Re: Capital One PC Question

Anonymous — Wed, 21 Aug 2013 05:43:10 GMT

Thanks, MJ! You're the best.

DJC, I think that's exactly what I'm going to do. Crossing my fingers!

Re: Capital One PC Question

Anonymous — Wed, 21 Aug 2013 06:10:45 GMT

want to PC to QS so bad.. could someone please pm me the eo email / phone? thanks a lot!!!

Re: Capital One PC Question

TiggerDat — Wed, 21 Aug 2013 06:59:09 GMT

Good Luck, with a nine year old account there should be plenty of offers available! Sometimes you have to talk to someone a bit higher up the ladder there. I have been told that the higher up you go the more offers they can see for your account! As in if you push the issue enough then they will find someone with a brain to help you and who has more power to PC you.

The EO should do the trick too! When you talk to them make sure you tell them you want a different credit limit too! Make it higher than any limit you have now. When they ask you if you will accept less then tell them the highest limit you have on your other cards! In the worst case scenarion they will probably counter offer something much better. If you have an AF ask for that to be removed. Push to keep you interest the same if it is lower than what is currently available. (If you carry a balance and interest is an issue.)

Once again Good Luck.

Re: Capital One PC Question

Anonymous — Wed, 21 Aug 2013 09:32:42 GMT

@Anonymous wrote:
want to PC to QS so bad.. could someone please pm me the eo email / phone? thanks a lot!!!

I wasnt eligible for any PC according to the prequalification thing on the website. Talked to a rep in India through the chat on the website. he PC'ed me to Quicksilver and CLI'ed me to 1000 from 500. But definitely YMMV. i don't know if my case was typical. My account is 2 years and 2 months old. Up until january 2013 I hadn't activated it but it still reported as a revolving account. The minimum credit line for a Quicksilver is 3k. he kept mines at 1k and even said my APR would be the same. Also kept it a MasterCard. Will contact EO about this...

Re: Capital One PC Question

Anonymous — Wed, 21 Aug 2013 14:15:35 GMT

I emailed the EO last night...now I'm just waiting.

Re: Capital One PC Question

Anonymous — Wed, 21 Aug 2013 15:52:29 GMT

I got impatient and called the EO. Instead of PC'ing my card, they added the QS rewards to my Platinum account. I'll still have the Platinum, but will earn 1.5% CB, keep my account history and they will continue to waive the monthly/AF's. I asked about a CLI (to $5k) and she mentioned that my CL was increased to $1k back on 07/04, so my request has to go to underwriting for review. She said it could take 3-5 days. The good news...it's only a SP! Yay!!

Now more of the waiting game. Fingers crossed they decide to play nice.