CapitalOne Product Change (Platinum to Venture?)

[Anonymous]

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@Strepthroat wrote:

No special action on my part AndyK, just called the backdoor number (account specialist), about a minute later the card was changed.  Rec'd the new card a days later.  Wish I could offer you more, but all it took was a phone call.

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Wow, that makes no sense to me. Even their executive office told me their hands are tied and they can't do any PCs on cards. I guess it just goes to show that nothing with Cap One makes any sense at all.

[LilloEsquilo]

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@Anonymous wrote:

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@Strepthroat wrote:

No special action on my part AndyK, just called the backdoor number (account specialist), about a minute later the card was changed.  Rec'd the new card a days later.  Wish I could offer you more, but all it took was a phone call.

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Wow, that makes no sense to me. Even their executive office told me their hands are tied and they can't do any PCs on cards. I guess it just goes to show that nothing with Cap One makes any sense at all.

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Agreed. The only thing that seems to be different is calling the backdoor number. Obviously if you call their main number, I'd bet every penny I have you will get nowhere with this. But how did this work even calling the backdoor number? I'm clueless, even more than usual.

[Anonymous]

so anyone else do a pc from capitalone and their aaoa didn't change??? i'm about to call them and request one (platinum 3K limit)

[dmbtay]

CO has become much stringier the last few years (probably many defaults).  They don't like doing product changes unless you have a seriously legit history.  They changed my wife's world MC to a venture, but that was merely from one excellent to another (same 9% APR).  For me, I had two platinum cards that I asked to be combined, they refused.  They refused credit limit increases as well.  So I did a brand new app with them for Venture card and was approved $5k w/ signature.  So weird.

[SwiftTone]

I called their main number over the weekend seeking to do a PC on 2 of my platinum cards. First card has been open since 11/08 and the second card since 02/11, both with excellent payment history(their words, not mine). The second card actually has had 3 automatic CLI since opening from $300 to $1250. They said they that I was not eligible for a PC, both automatic or manual. They said I can apply for a VentureOne if I believed I have "excellent" credit, but I didn't apply because I wasn't really confident of that. My FICO is EQ 705 and TU 709.

A day later, I got an pre-qualified offer to apply for one of their other reward cards. **bleep** CapitalOne

[Anonymous]

that's strange.......well, i might make the decision to call capitalone to see if they'll do the pc......

problem i guess i can forsee is that i've only used the card 4 different months (last 3 months) since i opened the card in dec 2010.

they did tell me a while back that if i can get a pc once i hit the limit (5K for my card, i'm at 3K, which is what i got when i first got the card)......so while it may be true i may, in the future, get a pc ONCE i hit 5K, the better question to consider is if i will ever hit 5K........

[Anonymous]

update: called to ask for a CLI and PC.

no on the cli (of course).

but the pc, the supervisor said that i am eligible for a ventureone product "upgrade" and she told me that all the terms (and the account opening date) would all remain the same..........but that i had to talk to a account specialist (not open when i called).

so i'll call tomorrow morning.

[LS2982]

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@Anonymous wrote:

While I can't answer the AAOA question, I do know that Cap One is a real stickler with an PCs. I remember reading that they want you to have at least $5k credit lines before they'll issue you a Venture card (although that might have changed). Also, unless you have the Platinum Prestige, I doubt you're going to have much luck getting a PC.. going from an average/subprime card to one one of their excellent credit/prime cards in a PC would take some sort of miracle.

It definitely won't hurt to try! Worst they can say is no. But unless you're exceptionally lucky, I doubt you'll have much luck with them. It is Cap One, after all. They seem to want you to re-apply any time you want any sort of product change.

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+1

[SwiftTone]

which phone number did you call?

[Gollum]

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@Anonymous wrote:

update: called to ask for a CLI and PC.

no on the cli (of course).

but the pc, the supervisor said that i am eligible for a ventureone product "upgrade" and she told me that all the terms (and the account opening date) would all remain the same..........but that i had to talk to a account specialist (not open when i called).

so i'll call tomorrow morning.

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Before you make your decision, google for

NPSL credit card

Capital One Venture One is an NPSL card (it is a Visa Signature card).