Capital One Product Change?

[twilliam1313]

Currently I have the:

Capital One Platinum with 0/$200 - Open Date 03/23

Capital One Quicksilver One with 0/$400 - Open Date 01/24

I logged into the app this morning and had pre-approvals for both the Quicksilver Rewards for Good Credit and the SavorOne Rewards for Good Credit.  Is there a way that I would be able to do a product change from both of those cards to these 2 newer cards? I called into Capital One this morning and she said that my cards were not able to upgrade at this time and told me that I could go ahead and apply and open one of those new accounts.  I really dont want to open a new account and have a new open date on my report but would really love to get rid of these cards and into the better ones.  Has anyone had any other luck with Capital One allowing them to PC and upgrade to those or is there any other way that I could go about asking them again?

Thanks!

[GZG]

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@twilliam1313 wrote:

Currently I have the:

Capital One Platinum with 0/$200 - Open Date 03/23

Capital One Quicksilver One with 0/$400 - Open Date 01/24

I logged into the app this morning and had pre-approvals for both the Quicksilver Rewards for Good Credit and the SavorOne Rewards for Good Credit.  Is there a way that I would be able to do a product change from both of those cards to these 2 newer cards? I called into Capital One this morning and she said that my cards were not able to upgrade at this time and told me that I could go ahead and apply and open one of those new accounts.  I really dont want to open a new account and have a new open date on my report but would really love to get rid of these cards and into the better ones.  Has anyone had any other luck with Capital One allowing them to PC and upgrade to those or is there any other way that I could go about asking them again?

Thanks!

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you can call and ask

what might be easier, on desktop, you can click into each account and add /productupgrade to the end of the link, if there are any upgrades, it will show on the next screen after you hit enter 

[twilliam1313]

I tried calling and they told me no upgrades available.  I also just tried what you suggested too adding /productupgrade at the end of each card link and didnt have them available too. I think I may just have to give it some more time as I dont want to open a new account right now and also get a hard inquiry on all 3 reports just to add another card right now while I am trying to rebuild.  Thank you though!

[nytokyobred79]

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@twilliam1313 wrote:

I tried calling and they told me no upgrades available.  I also just tried what you suggested too adding /productupgrade at the end of each card link and didnt have them available too. I think I may just have to give it some more time as I dont want to open a new account right now and also get a hard inquiry on all 3 reports just to add another card right now while I am trying to rebuild.  Thank you though!

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Cap 1 's algorithm is a bit unpredictable when it comes to upgrade offers. It could be a combo of length of relationship, spend and profile/score improvement. It could just be spend and length of relationship. My best suggestion is to continue using the cards and try to PIF as much as possible until an upgrade offer appears. You can easily check for upgrades by clicking on the special offers tab when you're logged into your mobile account. The tab is under Virtual cards. If you have no upgrades available, it'll probably just show you "Transfer a balance at purchase APR" and " Refer to earn rewards." If upgrades are available, it'll have an option to click Explore upgrade offers. Good luck and I hope an offer comes soon. 

[twilliam1313]

Yeah i use the the full limit on both 2-3 times a month and PIF immedietly and always before the statement date, so I will continue you doing that and checking for the upgrade offer.  Thanks for the info!

[FicoMike0]

You might want to search azeo. Your best score will result from letting one card post a small balance.

You don't include scores or other details, might get better suggestions if you did. 

I'm with you, I don't like the triple pull. I'd be looking to other banks.  If you're staying with cap, then I'd go ahead and try the preapproval for the account you want. Since you are overrunning your cls, you could really use a boost. Since your youngest account is already less than 12 months, no immediate penalty there. The hps will also age off in 12 months.