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Capital One PC. HELP PLEASE!

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New Contributor

Capital One PC. HELP PLEASE!

I've had Capital One Platinum for 1 year and 2 months. SL 300. $500 after credit steps. CL $1250 after request for increase in Feb.2018. I know have a pre-qualified offer for Quick Silver Rewards. With 0% APR for 9 months. No annual fee. One time bonus of $150 bonus after spending $500 in the first 3 months.

Before seeing this pre-qual I wanted to request a PC and negotiate an APR reduction.
How should I go about doing so?

Also, the benefits for the pre-qual wouldn't carry over if the product change was successful, right?
Message 1 of 27
26 REPLIES 26
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Community Leader
Senior Contributor

Re: Capital One PC. HELP PLEASE!

For the PC, call and ask or go into chat.

 

Capital One doesn't offer permanent APR reductions, but temporary reductions may be available.

Message 2 of 27
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New Contributor

Re: Capital One PC. HELP PLEASE!


@HeavenOhio wrote:

For the PC, call and ask or go into chat.

 

Capital One doesn't offer permanent APR reductions, but temporary reductions may be available.


Thanks! Is there any special language that I need to use when requesting the pc?

Message 3 of 27
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Community Leader
Senior Contributor

Re: Capital One PC. HELP PLEASE!

Nope. Just ask if you have any offers for upgrades.

 

I think this was mentioned elsewhere, but if the offer is for a QuicksilverOne rather than a Quicksilver, decline it due to its annual fee and its difficulty to PC down the road. I think you'll likely be offered the Quicksilver and maybe the Savor, though.

Message 4 of 27
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Valued Contributor

Re: Capital One PC. HELP PLEASE!

My steps.

 

Opened Secured Card March 2017

Accepted prequalified QS1 offer Sept 2017

Waited for Credit Steps on both cards + graduation of the secured card.  This all occured in March 2018 (though i got the steps increase on the first card around the same time the second was opened)

 

As soon as the Platinum unsecured, PCed to Quicksilver (no annual fee version).  The QS1 was eligible now for account combination because it was 6 months old.

 

Combined cards using the QS1 as the donor to the originally secured card.

 

Came out with a 1000 limit no annual fee QS. 

 

And now I am waiting on potential prequals for another second card i may or may not take, which if i can, id wait out and then recombine again.

 

I am going to beat this bucket, one way or another.



(▀̿Ĺ̯▀̿ ̿) (⌐▀͡ ̯ʖ▀)
Message 5 of 27
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Valued Contributor

Re: Capital One PC. HELP PLEASE!


@YouGoGirl1289 wrote:

@HeavenOhio wrote:

For the PC, call and ask or go into chat.

 

Capital One doesn't offer permanent APR reductions, but temporary reductions may be available.


Thanks! Is there any special language that I need to use when requesting the pc?


English should be just fine.
Message 6 of 27
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Valued Contributor

Re: Capital One PC. HELP PLEASE!


@oldman87 wrote:

@YouGoGirl1289 wrote:

@HeavenOhio wrote:

For the PC, call and ask or go into chat.

 

Capital One doesn't offer permanent APR reductions, but temporary reductions may be available.


Thanks! Is there any special language that I need to use when requesting the pc?


English should be just fine.

Lol, good one!  Smiley Very Happy

 

Let us know how it goes OP.




FICO 8 Scores EQ 704 / Goal 750, EX 706 / Goal 750, TU 724 / Goal 750

FICO 9 Scores EQ 726 / Goal 750, EX 683 / Goal 750, TU 726 / Goal 750
Message 7 of 27
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New Contributor

Re: Capital One PC. HELP PLEASE!


@c00mtg wrote:

@oldman87 wrote:

@YouGoGirl1289 wrote:

@HeavenOhio wrote:

For the PC, call and ask or go into chat.

 

Capital One doesn't offer permanent APR reductions, but temporary reductions may be available.


Thanks! Is there any special language that I need to use when requesting the pc?


English should be just fine.

Lol, good one!  Smiley Very Happy

 

Let us know how it goes OP.

Went great.

Message 8 of 27
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New Contributor

Re: Capital One PC. HELP PLEASE!


@oldman87 wrote:

@YouGoGirl1289 wrote:

@HeavenOhio wrote:

For the PC, call and ask or go into chat.

 

Capital One doesn't offer permanent APR reductions, but temporary reductions may be available.


Thanks! Is there any special language that I need to use when requesting the pc?


English should be just fine.


Ha!

Message 9 of 27
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New Contributor

Re: Capital One PC. HELP PLEASE!

Went great.

Message 10 of 27
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