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Capital one product change from Quicksilver one to savor one?

Dyerseve336
New Member

Capital one product change from Quicksilver one to savor one?

Got the Quicksilver one a few months ago. It's ok, there are better cards, but ultimately I would probably want a product change at some point, keep the credit line open with no extra hard inquiry but get something better then 1.5% cash back with a 39 annual fee. Now that the Uber card has changed so much it's barely worth it, looks like the next best for restaurants and bars is the savor. My credit score has been solidly around 690. Always pay on time and in full on 4 cards. Got a few medical collections that should fall off in a few yrs that I can't really afford to pay off right now. Wondering if anyone has experience with a product change with capital one, or specifically asking to get the savor or savor one card. Are they easy to do that with or is it better to just take the inquiry in a few years when my credit score is better and more solid and get something else?
Message 1 of 6
5 REPLIES 5
difringe
Regular Contributor

Re: Capital one product change from Quicksilver one to savor one?

As far as I'm aware, not only is it tough to get a product change from a QuicksilverOne, but I don't think I've seen a product change to a Savor product.  Have you tried this link to see if you're eligble for a product change - https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade

Scores as of 6/27/2021


Planning to garden until January 2021 (started Jul 25 2019)


Message 2 of 6
kwulfe
Regular Contributor

Re: Capital one product change from Quicksilver one to savor one?

I'd PC that QS1 card to regular QS before that annual fee hits. I did a PC from Plat to QS 1.5 years ago just by calling them. Regarding PC to any Savor product, it will be close to impossible or impossible. Called them 3x this month and will try again January and February.
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Message 3 of 6
Shooting-For-800
Senior Contributor

Re: Capital one product change from Quicksilver one to savor one?

I would PC to QuickSilver first if SavorOne is not available.

GL!

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2021.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship, Synchrony, Evergreen, & Venture



Message 4 of 6
Trudy
Valued Contributor

Re: Capital one product change from Quicksilver one to savor one?


@difringe wrote:

As far as I'm aware, not only is it tough to get a product change from a QuicksilverOne, but I don't think I've seen a product change to a Savor product.  Have you tried this link to see if you're eligble for a product change - https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade


Ha! I tried the link and my only card available for upgrade to QS is my Savor.  the 4% restaurant, 3% grocery Savor with no AF due to being grandfathered.  I don't think so.

 

I have 2 very old QS1 that they refuse to product change.  I've justified keeping it, first for the age and secondly, the cashback will pay for the AF.  But it still kinda ticks me off they keep me in this box.

FICO - 8: 05/07/21 AU 8 BC 8
FICO - 9: 05/07/21 AU 9 BC 9
F5,F4,F2 05/07/21 AU... BC...
Vantage 05/07/21
As of 05/01/21:
AoOA - 25Y2M | AoYA – 0Y6M | AAoA – 12Y0M
Open: 11 CC: (1 reporting 8.02% : 0.25% AGG UTL) | 1 PLOC | 1 MTG loan: 58.15% UTL
Closed: 1 MTG loan | 2 Auto loans | (EQ) 2 CC, (EX & TU) 1 CC
INQ: (EQ) 0/24 | (TU) 2/24 | (EX) 1/24
Message 5 of 6
RealityBites
Established Contributor

Re: Capital one product change from Quicksilver one to savor one?


@Trudy wrote:

@difringe wrote:

As far as I'm aware, not only is it tough to get a product change from a QuicksilverOne, but I don't think I've seen a product change to a Savor product.  Have you tried this link to see if you're eligble for a product change - https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade


Ha! I tried the link and my only card available for upgrade to QS is my Savor.  the 4% restaurant, 3% grocery Savor with no AF due to being grandfathered.  I don't think so.

 

I have 2 very old QS1 that they refuse to product change.  I've justified keeping it, first for the age and secondly, the cashback will pay for the AF.  But it still kinda ticks me off they keep me in this box.


With your scores and age of credit I wouldn't bother keeping them. Better cashback at no annual fee is easy to get.

 

(Not that you asked for advice)





Message 6 of 6
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