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Capital One Platinum to Quicksilver Upgrade Data Points

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Capital One Platinum to Quicksilver Upgrade Data Points

Hi, all. Just a report on my recent upgrade from CO Platinum to Quicksilver...

 

Approved for the Platinum on 10/30/17 with a SL of $1000, credit steps. My FICOs were in the 700-720 range with around 3 inquiries per report. No derogitories, aaoa 3 years, but that was inflated by a 16 year old closed account still on file. CO triple-pulled. I burned them (paid charge-off) in 1996, no relationship since then.

 

I ran between $600-800/month through the card.

Months 1 and 2 I paid the balance down to 2-4% prior to statement post, PIF.

Months 3 and 4 and allowed the full balances to post (50-60% Util.) then PIF.

Requested the upgrade every month after statement post, no go until today.

Today I made the request via online chat and was approved.

 

My current scores are in my sig below. Big drops due to new accounts, too many inquiries and 50% utilization. I was a little surprised that they approved the upgrade. It's been a roller coaster ride for me since I started my rebuild last fall. I think my FICO's have bottomed out, and I'm really looking forward to watching them grow over the next year. I'm gardening until 12/18. Thanks to all on this forum for the support!


2/18 FICO 8's:
EX(692): 3.1yrs, 8 inq.
TU(654): 0.3yrs, 3 inq.
EQ(683): 3.1yrs, 3 inq.
Utilization: 50%

Wall of Shame (recent denials/wish list):

32 REPLIES 32
Valued Contributor

Re: Capital One Platinum to Quicksilver Upgrade Data Points

That is great. QS is a excellent card.

Message 2 of 33
Established Member

Re: Capital One Platinum to Quicksilver Upgrade Data Points

Great job! Where did you locate online chat feature? I have been trying to do a PC with no avail!
Message 3 of 33
Contributor

Re: Capital One Platinum to Quicksilver Upgrade Data Points

Thanks. The chat button just showed up for me this month, it was missing before. It was on the lower right side of my browser at my account home screen. Good luck!

2/18 FICO 8's:
EX(692): 3.1yrs, 8 inq.
TU(654): 0.3yrs, 3 inq.
EQ(683): 3.1yrs, 3 inq.
Utilization: 50%

Wall of Shame (recent denials/wish list):

Message 4 of 33
New Member

Re: Capital One Platinum to Quicksilver Upgrade Data Points

Congrats on your upgrade!

 

I just got the same upgrade today after opening the Platinum in October lol, that's too funny that we had the exact same scenario happen at the same time (only difference is my scores are below 630 but I'll get there).

Message 5 of 33
Contributor

Re: Capital One Platinum to Quicksilver Upgrade Data Points

 


@whosnext00wrote:

Congrats on your upgrade!

 

I just got the same upgrade today after opening the Platinum in October lol, that's too funny that we had the exact same scenario happen at the same time (only difference is my scores are below 630 but I'll get there).


Congrats! Feels almost like a "big boy" card now, doesn't it?

 


2/18 FICO 8's:
EX(692): 3.1yrs, 8 inq.
TU(654): 0.3yrs, 3 inq.
EQ(683): 3.1yrs, 3 inq.
Utilization: 50%

Wall of Shame (recent denials/wish list):

Message 6 of 33
New Member

Re: Capital One Platinum to Quicksilver Upgrade Data Points


@Billharrellwrote:

 


@whosnext00wrote:

Congrats on your upgrade!

 

I just got the same upgrade today after Smiley LOLthe Platinum in October lol, that's too funny that we had the exact same scenario happen at the same time (only difference is my scores are below 630 but I'll get there).


Congrats! Feels almost like a "big boy" card now, doesn't it?

 


Smiley LOL hahaha, yes it does.  We're growing up.

Message 7 of 33
Valued Contributor

Re: Capital One Platinum to Quicksilver Upgrade Data Points

Congrats on the upgrade!! Much more useful getting something back for your spend

State Farm Rewards (3,000) ~ Marvel MC (8,000) ~ PenFed Power Cash (10,000) ~ PenFed Promise (1,000) ~ PenFed OLOC (500) ~ Discover ($1,100) ~ Citi DC (2,200) ~ NFCU cashRewards (6,200) ~ NFCU Platinum (2,700) ~ NFCU CLOC (15,000) ~ Venture (10,300) ~ DCU Visa (5,000) ~ Chase Freedom (3,000) ~ Amex Hilton Honors (5,000) ~ Amex SPG (1,000) ~ Amex BCE (1,000) ~ Care Credit (15,000)
Current Scores (6/6/18): 697 Transunion, 659 Equifax, 674 Experian
Message 8 of 33
Community Leader
Super Contributor

Re: Capital One Platinum to Quicksilver Upgrade Data Points

Congratulations on the upgrade!

Message 9 of 33
Established Contributor

Re: Capital One Platinum to Quicksilver Upgrade Data Points

Congratulations on your upgrade.  I can't wait to try and upgrade my C1 card. 

October 2019 Current Scores: Experian-670
TransUnion-680
Equifax-696
Goal for 2019: Scores of 675 all across the board.
Gardening until Spring 2020

Cap One (PCed to Quicksilver 7/20/18) $500
C1 Quicksilver One $1.6K
DiscoverIt Chrome $1.8K
Walmart Store Card $500
Ollo Rewards Card $800
Amazon Store Card $1K

Cards I Want: Paypal 2%, CareCredit, Capital One Savor

Total Utilization: 30%
No baddies
Inquiries to Date- 3


Message 10 of 33
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