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Cap1 graduated secured platinum to QS after 5 years

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ewwwDebt
Established Member

Cap1 graduated secured platinum to QS after 5 years

Opened a capital one platinum back in 2017 when I started building. I put $99 down for a $200 limit. About 2 years in and never missing a payment cap1 upped the limit to $500 while still being secured. 5 years after opening they graduate the Platinum secured to QUiksilver (no annual fee) with $3,000 limit. I was worried they would never graduate this card. Happy 😃 

Cap1 QS One - $7k | CitiBank/Home Depot = $10.5k | CapOne Venture One $3k | Apple/Goldman - $7.5k
Message 1 of 8
7 REPLIES 7
gdale6
Moderator Emeritus

Re: Cap1 graduated secured platinum to QS after 5 years

Nice that they finally graduated it for you, some are not so lucky.

Message 2 of 8
Lou-natic
Established Contributor

Re: Cap1 graduated secured platinum to QS after 5 years

To be fair I don't think most people wait 5 years either.




8/8/25
2/16/26
Message 3 of 8
OmarGB9
Community Leader
Super Contributor

Re: Cap1 graduated secured platinum to QS after 5 years

Congrats! You've got quite the patience!


Last App: 1/10/2023
Penfed Gold Visa Card

Currently rebuilding as of 04/11/2019.

Starting FICO 8 Scores:




Current FICO 8 scores:


Message 4 of 8
JeffMO
Regular Contributor

Re: Cap1 graduated secured platinum to QS after 5 years

Well that's great news, and makes me hopeful. It was one of my first cards, and while they have unsecured it over a year ago now, I'm still waiting for the upgrade graduation/ cli. It's been almost 5 years for me

Congrats !






Capital one 500, Discover 11.1k. UMB Signature visa 18.5k, DW UMB card Auth user 16K. Citi Costco anywhere 26.6k, Amazon Prime 22.3K
BH/Comenity Photo 10k Lowes advantage 35k
AAOA 2y4m, oldest 5 years. 0 collections. 125k income, Util 1% inq 1/12. 1/24. 30/60/90 = 0, No derog's, clean file. Rebuilding started 4 years ago.
Starting Score: 560
Current Score: 795
Goal Score: 850


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Message 5 of 8
UFGuy2006
Established Contributor

Re: Cap1 graduated secured platinum to QS after 5 years

Congratulations. I wish they would just be more transparent around timeline to graduate and timeline to give CLIs to bucketed cards. Have a Quicksilver stuck at 1k for a few years now.

Message 6 of 8
Zoostation1
Valued Contributor

Re: Cap1 graduated secured platinum to QS after 5 years

Nice! It seems like Capital One has been a little more generous lately and no complaints about that!

Rebuild Started Nov 2021, TCL $88.7k
June 2022 FICO 8:
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Message 7 of 8
nytokyobred79
Valued Contributor

Re: Cap1 graduated secured platinum to QS after 5 years

Congrats on both your graduation and upgrade to QS😊

Avoided credit cards after ruining my financial health but got back into the game in 2019 after a 20 year hiatus
Total Revolving CL- about $240K | Order of Opened Cards
Delta SkyMiles Blue- SL-$1K | CL- $22.6K
Delta SkyMiles Reserve- SL- $10K | CL- $20K
Chase Sapphire Reserve- SL $20 | CL- $12K
Cap 1 Venture Rewards- SL $10K | CL $ 21.5K
Amex Everyday Preferred- SL $13.1K | CL $10K ( moved some limits around )
Chase Freedom Unlimited: SL $23.4K| CL $72K
BOA Unlimited Cash SL: $20.8K| CL $15K moved some limits around)
BOA Travel Rewards SL: $20.8K | CL $5.8K(moved some limits around)
Amex Blue Cash Preferred SL: $10K
Amex Green Card: NPSL / POT: 17K
BOA BankAmericard: SL: $5K | CL: $30K
U.S. Bank Shield Visa SL: $500, successfully manually reconned to $15K
Message 8 of 8
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