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Cap one offering me the option to trade the quicksilver

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twpounds
Valued Member

Re: Cap one offering me the option to trade the quicksilver


@UncleB wrote:

@twpounds wrote:

If I swapped it to a savor one card, does anyone know if my history would follow the savor one card?


Yes, you will keep your account history.  If you do a PC with Capital One nothing changes other than the card design and rewards type; the account number will stay the same.


I've read other places where they will do a hard pull on you. Do you know if that's true? I really don't want any hard pulls as I've had a couple recently and am trying to avoid that. If they would just switch my cards, I would probably do that.

Message 11 of 13
UncleB
Credit Mentor

Re: Cap one offering me the option to trade the quicksilver


@twpounds wrote:

@UncleB wrote:

@twpounds wrote:

If I swapped it to a savor one card, does anyone know if my history would follow the savor one card?


Yes, you will keep your account history.  If you do a PC with Capital One nothing changes other than the card design and rewards type; the account number will stay the same.


I've read other places where they will do a hard pull on you. Do you know if that's true? I really don't want any hard pulls as I've had a couple recently and am trying to avoid that. If they would just switch my cards, I would probably do that.


I'm not sure where you read that, but I've *never* heard of Capital One doing an HP for a product change.  Also, I've had multiple product changes with them myself and there's never been an HP. 

Message 12 of 13
twpounds
Valued Member

Re: Cap one offering me the option to trade the quicksilver


@UncleB wrote:

@twpounds wrote:

@UncleB wrote:

@twpounds wrote:

If I swapped it to a savor one card, does anyone know if my history would follow the savor one card?


Yes, you will keep your account history.  If you do a PC with Capital One nothing changes other than the card design and rewards type; the account number will stay the same.


I've read other places where they will do a hard pull on you. Do you know if that's true? I really don't want any hard pulls as I've had a couple recently and am trying to avoid that. If they would just switch my cards, I would probably do that.


I'm not sure where you read that, but I've *never* heard of Capital One doing an HP for a product change.  Also, I've had multiple product changes with them myself and there's never been an HP. 


I believe it was on someone else's post in another thread. I couldn't find it again though so I guess there isn't any issue. It almost seems like a no brainer to switch to the savor one card for me. I won't use it a lot, but it may save a little on the TV subscriptions. It's better than 2 of the same card if everything creditwise stays as is. I appreciate your help with this.

Message 13 of 13
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