A couple product change questions..

[Cleaningitup2016]

I have two cap 1 cards. A secured, and a platinum.

I just got the plat a week ago.

1. How long does one have to wait to change it to the Quicksilver?

I also got a credit one card too.

But now I see they have launched an Amex card.

Can one change over to the amex?

[Brian_Earl_Spilner]

It takes 3-4 months for the cap1 upgrade to become available. Have no idea about the credit one.

[FinStar]

OP, as mentioned above, you can periodically check the following link to see if your Platinum account eventually qualifies for the upgrade:

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade

There is no PC to the AmEx version for Credit One.

[Cleaningitup2016]

I also noticed I have the credit steps on my cap1 card.

It says I need to make 5 monthly on-time payments.

If I PIF before the statement cuts, I take it that is not counted?

[Brian_Earl_Spilner]

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@Cleaningitup2016 wrote:

I also noticed I have the credit steps on my cap1 card.

It says I need to make 5 monthly on-time payments.

If I PIF before the statement cuts, I take it that is not counted?

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Yes, you have to let a balance post and you have to make a payment. Cap wants revolvers, not transactors.

[Anonymous]

I upgraded my cap 1 platinum in 3 months

[Anonymous]

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@Cleaningitup2016 wrote:

I have two cap 1 cards. A secured, and a platinum.

I just got the plat a week ago.

1. How long does one have to wait to change it to the Quicksilver?

I also got a credit one card too.

But now I see they have launched an Amex card.

Can one change over to the amex?

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The way it worked for me was I got the Platinum, completed the steps and then cold apped for the Quicksilver One. Got approved for the Quicksilver One. Then a month or two later, I discovered the upgrade link and upgraded my Platinum to the Quicksilver. So all in all I waited 8 months, but maybe I could have gotten the upgrade sooner? Who knows.

Personally, I kinda outgrew the Credit 1 card the day it arrived. I was implementing AZEO to establish good habits as I started to rebuild on my two Capital One cards (after completing credit steps) and saw that using that method would generally require 3 credit cards, so I got the Credit 1. But honestly, when I got it, I didn't even use it for the first 3 months. I even got an auto CLI a month after receiving the card with no usage on it. I just didn't want to pay interest and opted to pay Capital One cards multiple times a month instead. 

You have 3 cards now so I would save the HP for a GOOD rebuilder that you'll probably be approved for after you garden for about 6 months. You already have 3 credit cards. Just show responsible use for awhile and you will be prequalified.

BTW, during my first year rebuilding with my Capital One cards, I would constantly check Discover's prequalify tool and would get shot down every time. Once my platinum hit a year old, I tried again and I got preapproved for the Discover IT. So, needless to say, Garden Garden Garden!

[Cleaningitup2016]

As I rebuild I wonder what credit cards are halfway decent and charge off friendly?

It is looking like I might not be able to remove my charge offs, but it seems a lot of your "nicer" cards aren't so friendly to baddies.

Something that would approve you around 600-640 Fico.

The Credit 1 card has rewards, but they also charge you interest the second you use it, so not worth using at all.

[FinStar]

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@Cleaningitup2016 wrote:

As I rebuild I wonder what credit cards are halfway decent and charge off friendly?

It is looking like I might not be able to remove my charge offs, but it seems a lot of your "nicer" cards aren't so friendly to baddies.

Something that would approve you around 600-640 Fico.

The Credit 1 card has rewards, but they also charge you interest the second you use it, so not worth using at all.

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It's fairly possible you'll get some insight and feedback on your recent, separate topic in the Rebuilding section.  Likely, a lot of members who are in a similar boat would yield their experience on the types of CCs they've been able to obtain during their rebuilding journey.

[Cleaningitup2016]

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@FinStar wrote:

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@Cleaningitup2016 wrote:

As I rebuild I wonder what credit cards are halfway decent and charge off friendly?

It is looking like I might not be able to remove my charge offs, but it seems a lot of your "nicer" cards aren't so friendly to baddies.

Something that would approve you around 600-640 Fico.

The Credit 1 card has rewards, but they also charge you interest the second you use it, so not worth using at all.

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It's fairly possible you'll get some insight and feedback on your recent, separate topic in the Rebuilding section.  Likely, a lot of members who are in a similar boat would yield their experience on the types of CCs they've been able to obtain during their rebuilding journey.

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Sadly that area don't seem as active anymore. Sometimes it is several days before I get a reply or it ends up burried again.