topic Re: Determined to get a solid CapitalOne upgrade! in Credit Cards

Determined to get a solid CapitalOne upgrade!

ddemari — Thu, 18 Sep 2014 03:20:04 GMT

I have posted about capitalone before and I know a lot of others out there have had their share of CapitialOne cards product changed through various methods.

My capitalone platinum MasterCard was converted to qs 1 reward 6 1/2 months ago. The card is 2 1/2 years old, that was my first upgrade ever. I know CapitalOne requires 6 months in between upgrades, unless you go the EO route. So I occasionally send out the secure chat msgs asking if anything is available to me and always getting the check back in a few weeks comment. Previously, I have contacted capitalone via facebook about a question and always got a "let us tell you about the modify your features button" response. Tonight, I contacted them with a facebook msg. and they responded promptly asking for some basic info and then responding back they will look into an upgrade possibility for me, to we will call you tomorrow to discus this matter" message.

I appreciate anyone reading this long post btw, my credit has improved a lot of the past few years. My history with my capitalone cards I use is excellent, never late, pif, run at least 300 to 800 dollars through the card a month. Now, I have better cards, with better rewards, no annual fees and higher limits. Up to 2 months ago, my go to cards were boa cash rewards and quicksilver 1, now I use SallieMae, Freedom, Amex and BOA for all my spending... I think capitalone should have some kind of mediocre offer for me. I always read on here people have luck contacting Facebook and getting an offer, so I am curious to see what they say tomorrow.

I am pretty much thinking they are going to say this," we are constantly working to make better products for our customers, unfortunately the card you have is either not eligible for a different product change or check back with us in 3 weeks, we occasionally put offers on your account response.

If they actually offer me something, Ill throw QS into my rotation again for sure! Just needed to vent that one out.

Re: Determined to get a solid CapitalOne upgrade!

ddemari — Thu, 18 Sep 2014 14:24:44 GMT

I received another facebook msg. from capitalone, this time just confirming a good time to call me today. I am hoping they product change. I feel like if they didn't want to help, they would have just sent the generic msg of trying to modify features online...

I am just wondering if since I started out with platinum mc 2 years ago, received an upgrade for quicksilver 1 rewards, my card type is just not able to move forward?

Re: Determined to get a solid CapitalOne upgrade!

Anonymous — Thu, 18 Sep 2014 14:42:10 GMT

Product change your QuicksilverOne Mastercard for the Quicksilver Visa, it is great to get that 1.5% Unlimited Cashback with NO annual fee

Re: Determined to get a solid CapitalOne upgrade!

Broke_Triathlete — Thu, 18 Sep 2014 14:41:19 GMT

Hang in there and keep trying. I have had 2 cards for about 2 months now, a QS1 and a Platinum. I reached out via chat and had both product changed to QS and Venture One, so it can be done. Just keep trying...

Re: Determined to get a solid CapitalOne upgrade!

Broke_Triathlete — Thu, 18 Sep 2014 14:42:36 GMT

@Anonymous wrote:
Product change your Quicksilver Mastercard for the Quicksilver Visa, it is great to get that 1.5% Unlimited Cashback with NO annual fee

Unfortunately they don't do that. I just went through this yesterday. Once it's a MC, it stays a MC. So my product upgrade from QS1 to QS is still a MC, not a Visa.

Re: Determined to get a solid CapitalOne upgrade!

ddemari — Thu, 18 Sep 2014 14:45:25 GMT

I would LOVE the product change to Quicksilver Visa, but I have heard MC to Visa is not do able/ some people have been able to do it?

I have an excellent history on my card I am trying to PC, it just plat mastercard with qs1 rewards.

I think capitalone uses Equifax 04 credit score model for existing customers, well I am hoping at least because my PowerScore Fico through Equifax is 730 and it resembles previous credit scores on capitalone cli declined letters.

But again, I would love a mc to visa upgrade lol!

Re: Determined to get a solid CapitalOne upgrade!

Broke_Triathlete — Thu, 18 Sep 2014 14:46:24 GMT

Furthermore... I tried two different chat reps and one walked me through me checking myself in your online account, and my online account said I didn't have any upgrades available. Then the next rep checked on the back end and said that both accounts were available for upgrades.

Re: Determined to get a solid CapitalOne upgrade!

ddemari — Thu, 18 Sep 2014 14:47:12 GMT

ok awesome! i thought that was the case, I am happy with a QS silver MC... I hate that QS 1 card for some reason and the annual fee.

I am just hoping they come through for me, cause online chat and 800 number always says no. It has been 6 1/2 months since my last upgrade, I should be worthy for one.

Re: Determined to get a solid CapitalOne upgrade!

MissMoni223 — Thu, 18 Sep 2014 14:53:57 GMT

Best wishes on your upgrade journey!!!

Re: Determined to get a solid CapitalOne upgrade!

Broke_Triathlete — Thu, 18 Sep 2014 14:57:20 GMT

I wish you luck! You should hopefully receive something. How I received my upgrades in 2 months, I have no idea! With you having your card as long as you have I'd ask the chat rep today if you can. If the rep only wants to walk you through how to check it yourself close out the chat and get another rep. Good luck!

Re: Determined to get a solid CapitalOne upgrade!

ddemari — Thu, 18 Sep 2014 15:01:49 GMT

I have tried with the chat reps several times. they always either say check back in a 1-2 weeks or let me walk you through this.

The one previous time I contact them through facebook was a CLI and they said just increase it online by submitting a request and then were done.

This time I am just askng for a PC. the last letter from them I had this Equifax score, people say theirs indicate its a FICO score from the capone letter. Mines does not say FICO

Your Credit Score 727 Date: 2014-05-29-14

Source: Equifax Information Services

Understanding Your Credit Score

The range of scores range from a low of 300 to a high of 850.

I have improved so much since May, and that score from May is a lot higher than EQ FICO score.

Re: Determined to get a solid CapitalOne upgrade!

Broke_Triathlete — Thu, 18 Sep 2014 15:20:42 GMT

Wow...definitely envious of your score. I don't know what could possibly be the issue, and makes me wonder why I was able to, with my short time I've had an account with them (2 months) and about 90 pts lower of a CS. Sometimes I wonder if there really is a rhyme or reason for how creditors act...haha.

Re: Determined to get a solid CapitalOne upgrade!

juggalo9er — Thu, 18 Sep 2014 15:26:05 GMT

this is where capone makes no sense, i was upgraded to qs no af around 18 months out of ch 7 wit a 666 fico. all i did for this was make one call to the eo!

Re: Determined to get a solid CapitalOne upgrade!

ddemari — Thu, 18 Sep 2014 15:30:03 GMT

Seriously, I think there is no rhyme or reason to it! The rep. on the 800 number said you were upgraded to QS1 rewards on March 10, 2014... you must wait 6 months until u hcan upgrade again. I think it has been 6 months and I think my score should make them want to keep me and I use/ was using their card.Ill quit harping on this, I am just bored at work, waiting for the phone call lol.

Re: Determined to get a solid CapitalOne upgrade!

Broke_Triathlete — Thu, 18 Sep 2014 15:36:18 GMT

@juggalo9er wrote:
this is where capone makes no sense, i was upgraded to qs no af around 18 months out of ch 7 wit a 666 fico. all i did for this was make one call to the eo!

Well that's because you had a 666 CS lol JK

Re: Determined to get a solid CapitalOne upgrade!

juggalo9er — Thu, 18 Sep 2014 17:32:46 GMT

@Broke_Triathlete wrote:
@juggalo9er wrote:
this is where capone makes no sense, i was upgraded to qs no af around 18 months out of ch 7 wit a 666 fico. all i did for this was make one call to the eo!
Well that's because you had a 666 CS lol JK

the mark of cap one

Re: Determined to get a solid CapitalOne upgrade!

Anonymous — Thu, 18 Sep 2014 17:45:09 GMT

What does EO mean? it's not lsited in the common abbreviations. Thanks. Executive Office or something?

Re: Determined to get a solid CapitalOne upgrade!

ddemari — Thu, 18 Sep 2014 17:46:08 GMT

Yes, the EO is the Executive Office.

Re: Determined to get a solid CapitalOne upgrade!

1GaDawg85 — Thu, 18 Sep 2014 17:47:35 GMT

hmmm my Journey is close to the 6 month mark!

Re: Determined to get a solid CapitalOne upgrade!

ddemari — Thu, 18 Sep 2014 19:11:43 GMT

Just got a call from the fb team. She looked into my account and saw no offers. But my annual fee is in Oct. And i can calll and have them waive the fee. Blah blah, i know qs1 and qs and pretty much the same but man why cant they just give me the card!

Definitely throwing it in the sock drawer now. I seem to be the only person who cant get facebook team to help me out.