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Capital One CLI & the ELUSIVE QS1 PC!

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LumpyOneTwo
New Member

Capital One CLI & the ELUSIVE QS1 PC!

So I've been paying down my credit cards as fast as I reasonably can, focusing on my high interest Quicksilver One. My scores have gone up dramatically since reworking my finances last October (started at ~590 and now up to 737). Earlier this week I realized It had been six months since my last CLI on the card (a measly $150) so I requested another one and was VERY surprised to see an approval for $3000, bringing my CL up to $4650!

 

Right after the CLI I decided to try the upgrade link, because who wants to pay $40 a year for the most basic of rewards? Denied. Until I tried again last night out of boredom, and lo and behold I get the option for a Venture One! I honestly thought it would never happen for me and that I'd eventually have to cancel the card, despite it being one of my oldest.

I read something from a user here that they had started to use the card monthly, and after about a year they were finally able to PC. So from February onwards I put one charge on it a month, usually ~$20-$50. Can't believe it worked, especially this fast!

 

Once again I thank all you folks here for all the priceless information y'all make available! Not sure what other data points I can provide to anyone else who's in this boat, but feel free to ask if I can give you any info you'd like to know. It IS possible to crawl out from under this rock of a card!

 

 

Message 1 of 8
7 REPLIES 7
coreyb80
Super Contributor

Re: Capital One CLI & the ELUSIVE QS1 PC!

Congrats on the increase and the approval, great work!!

Message 2 of 8
mgood
Valued Contributor

Re: Capital One CLI & the ELUSIVE QS1 PC!

Fantastic!

 

excellent.gif

 

Sometimes I check the product upgrade page and it says I can change my Quicksilver to a Venture or VentureOne. Sometimes it gives me zero options. I'm waiting for the day they allow me to change it to a SavorOne. (Not holding my breath though.)



EQ8 780, TU8 748, EX8 771 as of January 8
AZE9 - 6% Utl - New Cards: 1/6, 2/12, 6/24
Message 3 of 8
Zoostation1
Valued Contributor

Re: Capital One CLI & the ELUSIVE QS1 PC!

That's great!  I have a QS1 that I really want to PC and used heavily, but haven't had it long enough.   A PC to regular QS would be great but I'd happily take a V1 PC as well since it's no AF.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
Jan 2026 FICO 8:
Jan 2026 FICO 9:
Jan 2026 FICO 10:
Jan 2026 FICO 10T:
Message 4 of 8
LandoCredrissian
New Contributor

Re: Capital One CLI & the ELUSIVE QS1 PC!

Nice job on the  QS1 CLI and upgrade link success to the Venture1! Still trying to upgrade mine. No dice yet! Smiley Very Happy

Message 5 of 8
Zoostation1
Valued Contributor

Re: Capital One CLI & the ELUSIVE QS1 PC!


@LandoCredrissian wrote:

Nice job on the  QS1 CLI and upgrade link success to the Venture1! Still trying to upgrade mine. No dice yet! Smiley Very Happy


How long have you had your QS1?  I've gone from feeling lucky to have an unsecured card to it being a drag on me 5 months and change after opening it.  I'm getting pre approval  offers to apply for a regular QS but that would just complicate my situation, and may require closing a card.  Savor One is the one Cap1 card that really makes sense for me and my spend, but you can't PC to it.  A regular QS is OK, but I don't want to risk being able to get a Savor One either.

Rebuild Started Nov 2021
June 2022 FICO 8:
June 2022 FICO 9:
June 2022 FICO 10:
June 2022 FICO 10T:
Jan 2026 FICO 8:
Jan 2026 FICO 9:
Jan 2026 FICO 10:
Jan 2026 FICO 10T:
Message 6 of 8
sectionals
New Contributor

Re: Capital One CLI & the ELUSIVE QS1 PC!


@LumpyOneTwo wrote:

So I've been paying down my credit cards as fast as I reasonably can, focusing on my high interest Quicksilver One. My scores have gone up dramatically since reworking my finances last October (started at ~590 and now up to 737). Earlier this week I realized It had been six months since my last CLI on the card (a measly $150) so I requested another one and was VERY surprised to see an approval for $3000, bringing my CL up to $4650!

 

Right after the CLI I decided to try the upgrade link, because who wants to pay $40 a year for the most basic of rewards? Denied. Until I tried again last night out of boredom, and lo and behold I get the option for a Venture One! I honestly thought it would never happen for me and that I'd eventually have to cancel the card, despite it being one of my oldest.

I read something from a user here that they had started to use the card monthly, and after about a year they were finally able to PC. So from February onwards I put one charge on it a month, usually ~$20-$50. Can't believe it worked, especially this fast!

 

Once again I thank all you folks here for all the priceless information y'all make available! Not sure what other data points I can provide to anyone else who's in this boat, but feel free to ask if I can give you any info you'd like to know. It IS possible to crawl out from under this rock of a card!

 

 


Congratulations!

Rebuild (OCT 21) FICO 8: EX 578 FICO 9: EQ 516

Current FICO 8/9:
EQ 660/729
EX 670/714
TU 650/705

TCL: 34800
CCU: 3%

Message 7 of 8
babygirl1256
Senior Contributor

Re: Capital One CLI & the ELUSIVE QS1 PC!

Congrats on your Capital One CLI.

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 8 of 8
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