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I've seen it mentioned quite a bit on here about the PC link for Cap One. I never get an offer when I click on the link for my accounts. Someone said to call them and request a PC from my Platinum MC to Quicksilver. I see a lot of people on here doing it within a few months or six months of having the card. I have two questions. It is a rebuilder card. How are people able to PC their Cap One Platinum so quickly to a prime CC? I thought you had to have really good credit to qualify for a Cap One Quicksilver. That's question number one.
Question two is I am going to hit my twelfth month with the Platinum in August. So I will be eligible to request a CLI, since it will have been six months since my credit steps CLI. Even if I am eligible to PC to Quicksilver, should I wait until after I ask for a CLI or is it fine to request the PC now? Of course, that's if I'm even eligible, which I doubt I am. Maybe other people just had high scores when they requested a product change from the Cap One Platinum.
My FICO scores as of today:
Experian - 638
Equifax - 617
TransUnion - 624
@Jannelo wrote:I've seen it mentioned quite a bit on here about the PC link for Cap One. I never get an offer when I click on the link for my accounts. Someone said to call them and request a PC from my Platinum MC to Quicksilver. I see a lot of people on here doing it within a few months or six months of having the card. I have two questions. It is a rebuilder card. How are people able to PC their Cap One Platinum so quickly to a prime CC? I thought you had to have really good credit to qualify for a Cap One Quicksilver. That's question number one.
Question two is I am going to hit my twelfth month with the Platinum in August. So I will be eligible to request a CLI, since it will have been six months since my credit steps CLI. Even if I am eligible to PC to Quicksilver, should I wait until after I ask for a CLI or is it fine to request the PC now? Of course, that's if I'm even eligible, which I doubt I am. Maybe other people just had high scores when they requested a product change from the Cap One Platinum.
My FICO scores as of today:
Experian - 638
Equifax - 617
TransUnion - 624
The PC'd Quicksilver will still have the same account number and CL as the Platinum, and be a bucketed card, so it won't be a true Quicksilver, but you'll still get the cash back benefits. Not sure what they require to qualify for PCing. I don't think the PC will affect the CLI.
@Anonymous wrote:
I was in the same boat as you. After about 4 months, I was able to product change to a QS using the link. My scores were slightly higher at around ~630 being my lowest with TU. PCs work a bit differently than an approval. You have an account already. You are just seeing if you change account terms and rewards to the discretion of the creditor.
Whats your CL? I had 1K when I PC’ed to a QS. Any lates or balances being carried? Mine had been PIF every month before the PC.
Hope my data helps a bit. Whatever you do, DO NOT get the QS1 or you will have that AF forever.
Thanks.
My CL is $500. The SL was $300 last August. It has a perfect payment record of PIF. No lates. I've let it report a tiny balance a couple times of 1 percent utilization, but immediately paid it off after the statement cut the two times I did that. I make several payments on the card during the month before the due date.
Too late. I do have a Quicksilver 1 already. LOL I apped for that six months after the Platinum. But I don't regret it. My scores were in the 520s last August. I owed Cap One over 4,000 on old charged-offs (a Platinum (small balance now paid off) and a Quicksilver 1 (over halfway paid off now). So when they approved me for the Quicksilver 1, with a $1,000 SL, I was beyond appreciative. It's now $1,100. That SL gave me my dignity back in a way. I don't care about the AF. It is serving me for what I need right now. I'm getting ready to hit the CLI credit steps to $1500 CL in two months.
Maybe I will wait until I get my CLI after August. In another month or so, my scores should be higher. Then I will check the link again. If nothing, I will call them and see if I can PC it. I would like the 1.5 cash back on it.
This link works to PC from Platinum or QS1 to a non AF QS. It will not change anything else about your account.
Log in to your account in another tab, then click this:
https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade
@mikesonthemend wrote:This link works to PC from Platinum or QS1 to a non AF QS. It will not change anything else about your account.
Log in to your account in another tab, then click this:
https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade
No offer. It just brings me to my accounts: Platinum, Quicksilver 1, and my car loan.
@mikesonthemend wrote:This link works to PC from Platinum or QS1 to a non AF QS. It will not change anything else about your account.
Log in to your account in another tab, then click this:
https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade
I just tried this and it worked.
PCed a 5-month old non-AF Platinum card to a non-AF Quicksilver.
Same limit, APR, and card number. I guess it will be another Mastercard. New plastic with updated expiration and security code on the way.
Thanks!
@FICOnoob2020 wrote:
@mikesonthemend wrote:This link works to PC from Platinum or QS1 to a non AF QS. It will not change anything else about your account.
Log in to your account in another tab, then click this:
https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade
I just tried this and it worked.
PCed a 5-month old non-AF Platinum card to a non-AF Quicksilver.
Same limit, APR, and card number. I guess it will be another Mastercard. New plastic with updated expiration and security code on the way.
Thanks!
Congratulations on your upgrade!
I got my Plat PC'd around the 1 year mark. However, everything is the same except a shiny card with 1.5% benefits. It's still considered a Platinum and even says so on the bask of the QS.
Congratulations on your upgrade!