@Anonymous wrote:
My CapOne secured Platinum Mastercard was upgraded to unsecured today after having had it for 10 months. My 49.00 security deposit was refunded and applied to my balance. So that's confirmation that fairly recently issued secured Platinum cards do now graduate to unsecured.
Next step is to see if I can get them to increase the limit or upgrade the card to a QS (I already have the QS1) ... but I'll wait until I'm out of the garden April 3rd.
Capital One limit increase requests are soft pulls, meaning that they don't affect your gardening status. The only restriction is that you have to wait six months after your previous increase. If you're declined for an increase, the clock isn't reset; you can request again soon. And if you're offered an increase that you don't think is high enough, you can decline and ask again as soon as you think you might get a better offer.
Also, product changes don't involve any kind of pull. You can check in every month or so until an offer appears. Make sure the offer is for a full Quicksilver with no fee rather than for a QuicksilverOne.
