Re: Changing a Quicksilver one to a Quicksilver

Anonymous · ‎02-05-2016

Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.

SouthJamaica · ‎02-05-2016

@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.

Just call and ask if there are any "upgrade offers" on your account. If you can convert it to a Quicksilver, they'll tell you.

Unify FCU Platinum Visa Variable Rate 35k

TD Bank Business Solutions Visa (Bus) 25k

FNBO Evergreen Business Edition Visa (Bus) 20k

Liberty (formerly Evansville Teachers) FCU Platinum Prime Plus MC 15k

US Bank Triple Cash Rewards Visa (Bus) 12k

Geo-fenced credit union Platinum Visa 10500

Members 1st FCU Low Rate Platinum Visa 5k

PLOC: Langley FCU 40k; Penfed CU 15k; NFCU 15k; Teachers FCU 15k; Affinity FCU 10k. BLOC: NFCU 5k

Total revolving limits 569520 (505320 reporting) FICO 8: EQ 689 TU 691 EX 682

Anonymous · ‎02-05-2016

Im deaf so calling is not a great option, hence why I used chat. I can call using an internet relay service, but thought I'd ask here if there were special qualifiers before doing so.

jacetx · ‎02-05-2016

I just converted one of my Ventures into a QS less than 10 minutes ago through chat. The account has been opened for 6 months, never gotten a CLI, and barely used it.

Creditdreamer · ‎02-05-2016

I converted both mine and my fiance's Platinums into Quicksilvers (not QS One) after the first statement cut. They wouldn't let me do it before that. I think it depends on the person and the charges. I ran a bunch of money through the cards in the first month and paid multiple payments and didn't let the card cut with high utilization. So maybe that had something to do with it? I didn't get the elusive 3 statement CLI though. I'd rather get the rewards than the CLI anyway though.

Starting: EQ 498 TU 501 EX 485 (9/23/11)
As of 5/12: EQ 552 TU 591 EX 572
Credit Repair Journey Bump in the Road
As of 10/15: EQ 511 TU 588 EX 601
Discover TU Fico- 12/31/18: 694; CK EQ- 1/16/19: 634
Goal: All 3 above 700

Anonymous · ‎02-05-2016

The card is 1 1/2 yrs old. $0 balance when I asked the chat rep. I've run plenty of $ thru it. Have let it report balances, and PIF, never late on payments, made multiple payments per month even. . Last CLI was in November. I'm going to call them via internet relay service and see if I can get a better answer than just, "It isnt elgibile." I'd like to know why.

mitchblue · ‎02-05-2016

@Anonymous wrote:
The card is 1 1/2 yrs old. $0 balance when I asked the chat rep. I've run plenty of $ thru it. Have let it report balances, and PIF, never late on payments, made multiple payments per month even. . Last CLI was in November. I'm going to call them via internet relay service and see if I can get a better answer than just, "It isnt elgibile." I'd like to know why.

Sometimes just talking to a different person might help. Good luck.

FICO® 8 Scores 821 FICO® 9 Equifax 826 (Updated 02-7-23)

Anonymous · ‎02-05-2016

@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.

If im not mistaken Cap one does not PC from mastercard to visa. It wont happen.

Anonymous · ‎02-05-2016

@Anonymous wrote:
@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.
If im not mistaken Cap one does not PC from mastercard to visa. It wont happen.

Must all Quicksilvers be Visa? I was under the impression you could convert a QS1 to a QS but it would remain a MasterCard. I've read so many different comments here and elsewhere, perhaps I'm mistaken.

Officer737 · ‎02-05-2016

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Are there any special considerations that must be met, or is it just at the whim of Capital One? Do they consider a PC change to be like a CLI whereas if you just had a CLI you arent eligible for a PC change until 6 months after a recent CLI? I ask because my QS1 is a year and a half old, yet online chat would not allow me to PC to a QS.
If im not mistaken Cap one does not PC from mastercard to visa. It wont happen.
Must all Quicksilvers be Visa? I was under the impression you could convert a QS1 to a QS but it would remain a MasterCard. I've read so many different comments here and elsewhere, perhaps I'm mistaken.

If it's a Mastercard then when it gets converted it will stay a Mastercard, that is my understanding. I confirmed this a few nights ago when I PCed my QS 1 to a Venture One

Changing a Quicksilver one to a Quicksilver

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Changing a Quicksilver one to a Quicksilver