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Capital One QS1 to QS PC... Finally!

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Anonymous
Not applicable

Re: Capital One QS1 to QS PC... Finally!


@Anonymous wrote:

Congrats! I tried and tried and tried to PC my old QS1, (formerly Orchard Bank). Finally gave up and closed it. A few months later Cap One started their limit combining thing.


I think you and I closed our accounts around the same time. I remember reading baller's post (I think) soon after saying they started allowing accounts to be combined. Interestingly enough my old HSBC credit card was upgraded without any issues. It was my old Cap1 card that they wouldn't upgrade. Oh, well...

Message 21 of 51
UncleB
Credit Mentor

Re: Capital One QS1 to QS PC... Finally!


@beautifulblaquepearl wrote:

BIG Congrats to you!!Smiley LOL


Thanks so much!  Smiley Very Happy

Message 22 of 51
alextercero
Super Contributor

Re: Capital One QS1 to QS PC... Finally!

Congrats

Current Credit Cards


Currently rebuilding as of (May 2021)

Current Fico Scores 8/9: (May 2024)


Credit Age:

Inquiries:

Message 23 of 51
Anonymous
Not applicable

Re: Capital One QS1 to QS PC... Finally!

If you PC a card with Capital One, does it change the age of the account and drop your AAoA?

Message 24 of 51
Anonymous
Not applicable

Re: Capital One QS1 to QS PC... Finally!


@UncleB wrote:

@beautifulblaquepearl wrote:

BIG Congrats to you!!Smiley LOL


Thanks so much!  Smiley Very Happy


You're welcome.

Message 25 of 51
UncleB
Credit Mentor

Re: Capital One QS1 to QS PC... Finally!


@beautifulblaquepearl wrote:

@Anonymous wrote:

Congrats! I tried and tried and tried to PC my old QS1, (formerly Orchard Bank). Finally gave up and closed it. A few months later Cap One started their limit combining thing.


I think you and I closed our accounts around the same time. I remember reading baller's post (I think) soon after saying they started allowing accounts to be combined. Interestingly enough my old HSBC credit card was upgraded without any issues. It was my old Cap1 card that they wouldn't upgrade. Oh, well...


I think it's down-right strange how they determine who can get a PC and who can't. 

 

Last summer (before my AF was due) I even tried the back-door numbers posted on the sticky thread (they were already not working, but we didn't know it yet) and I got a CSR who I believe truly wanted to help me... she even mentioned - repeatedly - how "strong" my account was, and how it was (at that time) eight years old - but she just couldn't make it work.  By the time the call was over, I actually felt bad for her... she tried so hard to help me, yet nothing would work.  Meanwhile, other folks with a QS1 only a few months old were able to get a PC with a simple chat request. (For the record, I was - and still am - happy for others to get a PC even when I couldn't... it gave me hope!)

 

I'll admit it was discouraging after a few years (!), but in the end it worked out.  That being said, I'm sorry it didn't come around for you or CAPTOOL in time... Smiley Sad

Message 26 of 51
Anonymous
Not applicable

Re: Capital One QS1 to QS PC... Finally!


@Anonymous wrote:

If you PC a card with Capital One, does it change the age of the account and drop your AAoA?


Upgrading from a Platinum MC or QS1 with an AF to a non AF QS, no. I'm not sure what would have happened if UncleB had chosen the Venture1 instead. 

 

Message 27 of 51
UncleB
Credit Mentor

Re: Capital One QS1 to QS PC... Finally!


@Anonymous wrote:

If you PC a card with Capital One, does it change the age of the account and drop your AAoA?


Nope, that's the beauty of it... the account number stays the same, and the history (payment history, age, credit line, etc.) stays the same as well.  Smiley Wink

Message 28 of 51
UncleB
Credit Mentor

Re: Capital One QS1 to QS PC... Finally!


@beautifulblaquepearl wrote:

@Anonymous wrote:

If you PC a card with Capital One, does it change the age of the account and drop your AAoA?


Upgrading from a Platinum MC or QS1 with an AF to a non AF QS, no. I'm not sure what would have happened if UncleB had chosen the Venture1 instead. 

 


+1

 

If I had changed to the Venture One, it would have been no-AF as well, but the rewards would have only been at 1.25% and of course would have been restricted to travel purchases for full value ... everything else (account number, history) would have stayed the same with either option, though.

 

I quickly typed in that little box that I wanted the Quicksilver at 1.5%... LOL  Smiley Happy

 

 

Edited to add:  they copied and pasted those details into the chat box... luckily I already knew what I really wanted.  Smiley Wink

Message 29 of 51
Anonymous
Not applicable

Re: Capital One QS1 to QS PC... Finally!


@UncleB wrote:

@beautifulblaquepearl wrote:

@Anonymous wrote:

Congrats! I tried and tried and tried to PC my old QS1, (formerly Orchard Bank). Finally gave up and closed it. A few months later Cap One started their limit combining thing.


I think you and I closed our accounts around the same time. I remember reading baller's post (I think) soon after saying they started allowing accounts to be combined. Interestingly enough my old HSBC credit card was upgraded without any issues. It was my old Cap1 card that they wouldn't upgrade. Oh, well...


I think it's down-right strange how they determine who can get a PC and who can't. 

 

Last summer (before my AF was due) I even tried the back-door numbers posted on the sticky thread (they were already not working, but we didn't know it yet) and I got a CSR who I believe truly wanted to help me... she even mentioned - repeatedly - how "strong" my account was, and how it was (at that time) eight years old - but she just couldn't make it work.  By the time the call was over, I actually felt bad for her... she tried so hard to help me, yet nothing would work.  Meanwhile, other folks with a QS1 only a few months old were able to get a PC with a simple chat request. (For the record, I was - and still am - happy for others to get a PC even when I couldn't... it gave me hope!)

 

I'll admit it was discouraging after a few years (!), but in the end it worked out.  That being said, I'm sorry it didn't come around for you or CAPTOOL in time... Smiley Sad


No worries and thanks UncleB. My account had a $5 monthly fee, so that was a BIG determining factor for me.

Message 30 of 51
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