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Cap1 product change process

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socalchef00
Regular Contributor

Cap1 product change process

I currently have the Cap1 Quicksilver one and I wanted to change over to the Savor to remove the AF and better cash back %.

 

What is the process with Cap1? Do I have to wait for an offer pc to become available or can i contact them and request the upgrade?

By doing so, does that also get me a HP?


TransUnion FicoScore 8 : 800 | EquiFax FicoScore 9 : 813 | Experian FicoScore 8 : 760
Total Credit Limit Of : $374,650 | Avg Cr Age : 6 Yrs., Oldest card : 18 years, Youngest card : 2 Month
18 REPLIES 18
dragontears
Senior Contributor

Re: Cap1 product change process


@socalchef00 wrote:

I currently have the Cap1 Quicksilver one and I wanted to change over to the Savor to remove the AF and better cash back %.

 

What is the process with Cap1? Do I have to wait for an offer pc to become available or can i contact them and request the upgrade?

By doing so, does that also get me a HP?


You need to contact them to see if there is an offer on your account for the upgrade you want.

There is no HP or reporting change when you product change with Cap1.

Message 2 of 19
socalchef00
Regular Contributor

Re: Cap1 product change process


@dragontears wrote:

@socalchef00 wrote:

I currently have the Cap1 Quicksilver one and I wanted to change over to the Savor to remove the AF and better cash back %.

 

What is the process with Cap1? Do I have to wait for an offer pc to become available or can i contact them and request the upgrade?

By doing so, does that also get me a HP?


You need to contact them to see if there is an offer on your account for the upgrade you want.

There is no HP or reporting change when you product change with Cap1.


Thank you


TransUnion FicoScore 8 : 800 | EquiFax FicoScore 9 : 813 | Experian FicoScore 8 : 760
Total Credit Limit Of : $374,650 | Avg Cr Age : 6 Yrs., Oldest card : 18 years, Youngest card : 2 Month
Message 3 of 19
NoHardLimits
Valued Contributor

Re: Cap1 product change process


@socalchef00 wrote:

I currently have the Cap1 Quicksilver one and I wanted to change over to the Savor to remove the AF and better cash back %.

 


Capital One has not been allowing product changes to any of the Savors.  If you are successful with your request, let us know immediately.  Many of us have been waiting for this possibility.

November 2025 Scorecard: Clean, Thick, Mature, New Revolver
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Inquiries (n/12, n/24):
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Message 4 of 19
Bradac56
Regular Contributor

Re: Cap1 product change process


@socalchef00 wrote:

I currently have the Cap1 Quicksilver one and I wanted to change over to the Savor to remove the AF and better cash back %.

 

What is the process with Cap1? Do I have to wait for an offer pc to become available or can i contact them and request the upgrade?

By doing so, does that also get me a HP?


It's very unlikely they will let you move between product lines that's extreamly rare for Cap1.

It's higly likely they will change you over to a non-AF Quicksilver.


Message 5 of 19
OmarGB9
Community Leader
Super Contributor

Re: Cap1 product change process

Unfortunately its extremely difficult to PC the QS1 to anything. But if you wish to check without calling Cap One, try adding /product upgrade after the URL in your address bar of your browser when logged into your Cap One account and looking at your QS1 card. 


Last App: 1/10/2023
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Message 6 of 19
mgood
Valued Contributor

Re: Cap1 product change process

From what I have read, they are reluctant to change cards with an annual fee to cards without a fee.
And it's rare that I read about someone product changing to a Savor or SavorOne. I would love to change my Quicksilver to a SavorOne. I now have several cards that pay me 2% back, so the 1.5% from the QS isn't very helpful. I could get some use out of a SavorOne, but don't want to lose the history of my QS. So a product change here would seem ideal. I'm waiting to see if that becomes an option. (I've asked several times and been told "no," but I have seen other people report that they've been allowed to make such a change.)



EQ8 777, TU8 753, EX8 770 as of December 9
AZE10 - 7% Utl - New Cards: 1/6, 2/12, 7/24
Message 7 of 19
CYBERSAM
Senior Contributor

Re: Cap1 product change process


@socalchef00 wrote:

I currently have the Cap1 Quicksilver one and I wanted to change over to the Savor to remove the AF and better cash back %.

 

What is the process with Cap1? Do I have to wait for an offer pc to become available or can i contact them and request the upgrade?

By doing so, does that also get me a HP?


You should be able to upgrade Quicksilver one to Quicksilver for now. Cap1 is making some changes by bring MLB and BJs cards, it is possible they would allow some PCs in the future.







                
Message 8 of 19
socalchef00
Regular Contributor

Re: Cap1 product change process


@NoHardLimits wrote:

@socalchef00 wrote:

I currently have the Cap1 Quicksilver one and I wanted to change over to the Savor to remove the AF and better cash back %.

 


Capital One has not been allowing product changes to any of the Savors.  If you are successful with your request, let us know immediately.  Many of us have been waiting for this possibility.


Will do. Soon as my refi is done (just incase they HP), I'm going to try it.


TransUnion FicoScore 8 : 800 | EquiFax FicoScore 9 : 813 | Experian FicoScore 8 : 760
Total Credit Limit Of : $374,650 | Avg Cr Age : 6 Yrs., Oldest card : 18 years, Youngest card : 2 Month
Message 9 of 19
socalchef00
Regular Contributor

Re: Cap1 product change process


@OmarGB9 wrote:

Unfortunately its extremely difficult to PC the QS1 to anything. But if you wish to check without calling Cap One, try adding /product upgrade after the URL in your address bar of your browser when logged into your Cap One account and looking at your QS1 card. 


Tried that. Nothing happened


TransUnion FicoScore 8 : 800 | EquiFax FicoScore 9 : 813 | Experian FicoScore 8 : 760
Total Credit Limit Of : $374,650 | Avg Cr Age : 6 Yrs., Oldest card : 18 years, Youngest card : 2 Month
Message 10 of 19
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