Quicksilver One upgrade to World Elite?

[mikeym5541]

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@HeavenOhio wrote:

@mikeym5541, if you're willing to ride it out for a while, keep using the QS1 like you have been, and call in to check for upgrade offers every month. I was able to PC two QS1s after 12 or 13 consecutive months of usage and payments.

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i think thats the plan. both the qs1 and newly upgraded qs are due for a cli end of this month. both cards earn rewards now, so doesnt really matter which one gets used. will merge them once the qs1 gets upgraded, thanks.

[Shooting-For-800]

WOW!

I could not get my QS upgraded from MC to WMC let alone WEMC and I had a $20k+ limit.

I had to PC to Venture to get WMC.

(Then I PC'd to Savor to get WEMC.)

YES, there are legit benefits and it does not cost you anything.

https://www.capitalone.com/assets/credit-cards/pdf/world-elite-guide-to-benefits.pdf

Congrats!

[Shooting-For-800]

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@Anonymous wrote:
QS1 won’t ever upgrade to QS - they won’t change a card with an AF to one without it. You’d have to app for the QS and it really isn’t much worth doing for a 3 HP burn. If you’re eligible to app for a second Discover, it might be worth it now with your scores where they are. You can hit the prequal page and see what they’d offer.

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That is not accurate.

I have personally PC'd from both Platinum and QS1 to QS.

I have also PC'd from QS to Venture as well as upgraded to WMC.

I have also PC'd from Venture to Savor as well as upgraded to WEMC and grandfathered no AF.

[HeavenOhio]

I think the "accurate" response is that a QS1 is more difficult to PC than a Platinum — difficult enough that some might decide that it's not worth the bother. But it's not impossible.

@Shooting-For-800, were you using your QS1 regularly when it was PC'd?

[Shooting-For-800]

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@HeavenOhio wrote:

I think the "accurate" response is that a QS1 is more difficult to PC than a Platinum — difficult enough that some might decide that it's not worth the bother. But it's not impossible.

@Shooting-For-800, were you using your QS1 regularly when it was PC'd?

Yes, I have used all my Cap One cards heavily since I started my credit rebuild.

I have been handsomely rewarded for it.

[sjt]

Congrats on the upgrade to WEMC status. Im surprised they wont upgrade you to the regular QS card. Just give it a few months and call back and request it.

[CreditRebuilder2020]

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@mikeym5541 wrote:

i had issues years ago, and went without credit cards up until ~15months ago when i received the cap1 qs1 and a $2500 discover secured. pulling myself out the hole putting as much business expense as i can on the 2 cards, paying them off almost daily. fico8 is up from 550 to 670, but still not getting any love from the cc companies. i just hung up with cap1 and they wont upgrade qs1 to qs, and discover still hasnt converted to unsecured... really frustrating.

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I hear you on Discover being finicky, I just had my $200 Secured Card go Unsecured literally this morning. Got an email notification, getting my deposit back but then I went for a CLI and they shot me down haha. 

They are very finicky and you seem to have hire FICOS than me. My best righty now is EXP at 654 and my TU is at 605, which is the Free FICO score they give you. 

I also had my Discover IT Secured card for 14 months before it went unsecured. 

[sjt]

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@mikeym5541 wrote:

i had issues years ago, and went without credit cards up until ~15months ago when i received the cap1 qs1 and a $2500 discover secured. pulling myself out the hole putting as much business expense as i can on the 2 cards, paying them off almost daily. fico8 is up from 550 to 670, but still not getting any love from the cc companies. i just hung up with cap1 and they wont upgrade qs1 to qs, and discover still hasnt converted to unsecured... really frustrating.

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The no love is because of the Amex C/O. If you look on your credit report Amex reports the status monthly until you pay/settle with them or it deletes after 7 years.