Cap One Quicksilver?

[vagrants]

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@Anonymous wrote:

What number did you call? And did you have to escalate it to a supervisor? I keep getting told there are no offers on my account, blah blah...

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Last time I did, I called the # back of the card. Told the front CSR that I'm interested in upgrading my card. I was forwarded to another department (sorry can't remember). She told me that I 'qualify' for the upgrade, but she also told me about the forefitting of the anniversary portion of the CB. I waited 'til anniversary. When I called them back, exactly the same (warning of forefitting), but I told the back CSR that I'm already aware of that. And, upgrade was complete. Maybe calling EO helps in your case.

[LawStudentCivilis]

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@L-TWT wrote:

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@LawStudentCivilis wrote:

Ugh maybe I will wait until the anniversary to PC that way I will optimize all of my points without losing any.

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+1

I was just thinking the same thing! B/c I'm not trying to forefeit jack!!!!!!!!!

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 hahaha we are definitely on the same page!! Those are points we earned!!

[SnackTrader]

I just got my anniversary bonus and haven't charged anything since - so this is perfect timing!

[SpeeDj]

Thought I would share this, found this on Cap One's site today might be helpful for those debating the visa vs mc if they are wanting to apply. The visa is listed under excellent credit and the mc is listed under average.  

Excellent Credit: Do BOTH of these describe you?

• I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year.
  - AND -
• I have had a loan or credit card for 3 years or more with a credit limit above $5,000

Average Credit: Do EITHER of these describe you?

• I have defaulted on a loan in the past 5 years 
  - OR -
• I have limited credit history. I've had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else's credit card).

Rebuilding Credit: Do EITHER of these describe you? 

• I have defaulted on a loan more than once
  - OR -
• I have been declined for a credit card in the last 3 months

[LawStudentCivilis]

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@SnackTrader wrote:
I just got my anniversary bonus and haven't charged anything since - so this is perfect timing!

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Yes, perfect! Lucky! Go for it

[LawStudentCivilis]

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@SpeeDj wrote:

Thought I would share this, found this on Cap One's site today might be helpful for those debating the visa vs mc if they are wanting to apply. The visa is listed under excellent credit and the mc is listed under average.  

Excellent Credit: Do BOTH of these describe you?

• I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year.
  - AND -
• I have had a loan or credit card for 3 years or more with a credit limit above $5,000

Average Credit: Do EITHER of these describe you?

• I have defaulted on a loan in the past 5 years 
  - OR -
• I have limited credit history. I've had my own credit card or other credit for less than 3 years (including students, people new to the U.S., or authorized users on someone else's credit card).

Rebuilding Credit: Do EITHER of these describe you? 

• I have defaulted on a loan more than once
  - OR -
• I have been declined for a credit card in the last 3 months

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I didn't have a 5,000 dollar card, but I still qualified and was accepted for their "excellent" credit cards. All of my cards were over 3 years though (youngest was 5 years).  However, one of  those cards had a decent limit at 3.5k

[Anonymous]

I have the green cashback 1% + .5 anniversray and it's a world mastercard fyi

[Creditaddict]

well 1 "Modify Rewards" checkup and a chat later, was given the regular 800 on back of card to contact about upgrading from cash rewards to quick silver.

I'll update after my partner calls but I assume already a presidents office email will be needed to basically switch for the same product!

[enharu]

Has anyone applied for this yet? By the way does cap1 always triple pull?

[WallyxD]

Enharu, I think so. I haven't seen ONE post on here where CapOne has only pulled from one bureau. But I'd also like to know if anyone's applied for it. I'm on the fence.