@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:Yeah, I have no idea why they won't convert it, since I already have a QS also.
Crap! I didn't know that. I've read somewhere that you can only have 1 QS. Why not just cancel the QS1 and not pay another AF. It will still report as a postitve TL for 10yrs after it's closed and will count in your AAoA. I see you have the Venture and you say you have a QS so just get rid of this one...
Are you sure about that? NO! UncleB above seems to have 2 QS cards, a Visa, and a MC.
To be honest I'm at a loss! I can see having an MC and Visa versions of teh same cards but I think you can not have 2 of the same. Don't back me into a corner on this one I'm jsut rying to be helpful and encourage you to investigate it a little further. To get the real answer you need to ask Cap1.
All I'm trying to say is to contact them asn see what they say. Sometimes just getting another CS agent or talking directly with them will yield different results. And I'd love to hear what they have to say about this issue.
Just trying to be helpful.
+1
The 'rules' with Capital One seem to be a bit fluid at times, but there's a chart floating around somewhere around here that (supposedly) breaks down how many of each card type you can have.
I don't have the link at my finger tips, but IIRC you can (usually) have two sub-prime cards and four (five?) prime cards. There are a number of people with a several QS and Venture cards, so as long as your credit profile and income support it that shouldn't be a problem (check out the "combine" mega-thread for tales of folks who got multiples with the intent to combine to get a huge credit line). I'm not concerned about a 'huge' CL, but I do plan to app for either a Venture or another QS later in the year to get a lower APR if the pre-qual shows I'm likely to be approved.
Some folks are able to get a PC right out of the gate - literally with an account that's only a month or so old - while other folks like myself took years (nine!). There seems to be no rhyme or reason, and all you can do is keep trying or try your hand (via chat or phone) or of course you can try the EO. I've not seen any reports on here of folks going to the EO immediately for a PC, though. I'm not trying to discourage the OP, I'm just stating what I've read on here anecdotally. While it might not be likely, there's always a first time for everything.
If the EO is able and/or willing to do a PC on a brand new account, that will be great news! It took me a while, but I'm genuinely hoping the OP finds a way - nobody should have to pay a fee if they can get around it. 
@Anonymous wrote:
@Anonymous wrote:Don't worry, I am not trying to trick you, and your info is helpful. I find that a lot of people start similar threads on here, some of which conflict with each other, and there really is no definitive collection of info. I'm just trying to make sure that we aren't making broad assumptions based on anecdotal evidence.
Great point and one I concur with. There is some misinformation on here and most of it is not intentional it's simply sloppy.
For instance many folks say the PC'd a Cap1 Plat to a QS1 and so many people take it as gospel when in fact it can't be done.
Believe you me, I am not here to lead anyone astray. I have been helped so much by these forums and all I want is to give back to others the same that I have received.
I agree it's easy to get confused on here when reading posts that are written in haste, and it only gets more complicated once your posts start 'missing' each other.
It's even more difficult at times to write in such a way that is both clear, but at the same time consise enough to keep a reader from getting 'lost'. 
I do have a question... this is the first I've heard that folks could no longer PC a 'regular' Platinum to a QS1... is there confirmation that this for certain can no longer be done? In the past this was very much 'alive and well'... until the fall, my lowest APR was for a 'Platinum' card and I actually considered getting it specifically to PC to a QS1 (or QS).
Note: The low APR platinum seems to be gone for good... it never comes up anymore, and now the only 'Platinum' card I can find is the high-APR offering. 
@UncleB wrote:
@Anonymous wrote:
@Anonymous wrote:Don't worry, I am not trying to trick you, and your info is helpful. I find that a lot of people start similar threads on here, some of which conflict with each other, and there really is no definitive collection of info. I'm just trying to make sure that we aren't making broad assumptions based on anecdotal evidence.
Great point and one I concur with. There is some misinformation on here and most of it is not intentional it's simply sloppy.
For instance many folks say the PC'd a Cap1 Plat to a QS1 and so many people take it as gospel when in fact it can't be done.
Believe you me, I am not here to lead anyone astray. I have been helped so much by these forums and all I want is to give back to others the same that I have received.
I agree it's easy to get confused on here when reading posts that are written in haste, and it only gets more complicated once your posts start 'missing' each other.
It's even more difficult at times to write in such a way that is both clear, but at the same time consise enough to keep a reader from getting 'lost'.
I do have a question... this is the first I've heard that folks could no longer PC a 'regular' Platinum to a QS1... is there confirmation that this for certain can no longer be done? In the past this was very much 'alive and well'... until the fall, my lowest APR was for a 'Platinum' card and I actually considered getting it specifically to PC to a QS1 (or QS).
Note: The low APR platinum seems to be gone for good... it never comes up anymore, and now the only 'Platinum' card I can find is the high-APR offering.
I'm not sure about any older versions of the Platinum cards and one thing that is very confusing is that in your acct summary for several of their cards the acct says Platinum. So I have both the QS1 and the Plat. but in the summaries they are both called Platinums and today I come to find out that the regular QS is also called a Platinum in the summary. As for the PC, technically both the Platinum and QS1 are sub prime cards and I was not offered a PC to another QS1 but upgraded to the regular QS which is a Prime acct wiht NO AF and the 1.5% cash back. It never occured to me to ask for another card I wouldn't want anyway in the QS1 since I was trying to get to a better status.
It seems that there has been a bunch of movement within the Cap1 lines over the past few mths. The secured card no longer allows additional cash deposits or CLI's, they have added a new Rebuilder card with a low limit but very favorable qualifications for thos that can't meet the requirements for other cards. It looks like they are actually trying the phase out the secured card all together.
In a nut shell, I think any past ability to PC to a QS1 is gone.
@UncleB wrote:
@Anonymous wrote:
@Anonymous wrote:Don't worry, I am not trying to trick you, and your info is helpful. I find that a lot of people start similar threads on here, some of which conflict with each other, and there really is no definitive collection of info. I'm just trying to make sure that we aren't making broad assumptions based on anecdotal evidence.
Great point and one I concur with. There is some misinformation on here and most of it is not intentional it's simply sloppy.
For instance many folks say the PC'd a Cap1 Plat to a QS1 and so many people take it as gospel when in fact it can't be done.
Believe you me, I am not here to lead anyone astray. I have been helped so much by these forums and all I want is to give back to others the same that I have received.
I agree it's easy to get confused on here when reading posts that are written in haste, and it only gets more complicated once your posts start 'missing' each other.
It's even more difficult at times to write in such a way that is both clear, but at the same time consise enough to keep a reader from getting 'lost'.
And thanks for coming to my rescue!!!
@Anonymous wrote:
@UncleB wrote:
@Anonymous wrote:
@Anonymous wrote:Don't worry, I am not trying to trick you, and your info is helpful. I find that a lot of people start similar threads on here, some of which conflict with each other, and there really is no definitive collection of info. I'm just trying to make sure that we aren't making broad assumptions based on anecdotal evidence.
Great point and one I concur with. There is some misinformation on here and most of it is not intentional it's simply sloppy.
For instance many folks say the PC'd a Cap1 Plat to a QS1 and so many people take it as gospel when in fact it can't be done.
Believe you me, I am not here to lead anyone astray. I have been helped so much by these forums and all I want is to give back to others the same that I have received.
I agree it's easy to get confused on here when reading posts that are written in haste, and it only gets more complicated once your posts start 'missing' each other.
It's even more difficult at times to write in such a way that is both clear, but at the same time consise enough to keep a reader from getting 'lost'.
I do have a question... this is the first I've heard that folks could no longer PC a 'regular' Platinum to a QS1... is there confirmation that this for certain can no longer be done? In the past this was very much 'alive and well'... until the fall, my lowest APR was for a 'Platinum' card and I actually considered getting it specifically to PC to a QS1 (or QS).
Note: The low APR platinum seems to be gone for good... it never comes up anymore, and now the only 'Platinum' card I can find is the high-APR offering.
I'm not sure about any older versions of the Platinum cards and one thing that is very confusing is that in your acct summary for several of their cards the acct says Platinum. So I have both the QS1 and the Plat. but in the summaries they are both called Platinums and today I come to find out that the regular QS is also called a Platinum in the summary. As for the PC, technically both the Platinum and QS1 are sub prime cards and I was not offered a PC to another QS1 but upgraded to the regular QS which is a Prime acct wiht NO AF and the 1.5% cash back. It never occured to me to ask for another card I wouldn't want anyway in the QS1 since I was trying to get to a better status.
It seems that there has been a bunch of movement within the Cap1 lines over the past few mths. The secured card no longer allows additional cash deposits or CLI's, they have added a new Rebuilder card with a low limit but very favorable qualifications for thos that can't meet the requirements for other cards. It looks like they are actually trying the phase out the secured card all together.
In a nut shell, I think any past ability to PC to a QS1 is gone.
+1
Amen!
You're right on-on-the money with the Platinum thing... there was a time (and not that long ago, either) were there were two 'Platinum' MasterCards... the one we all know and love with the highest APR for rebuilders, and a striped-down no-rewards low APR version for average to excellent credit customers.
Up until the fall when I would check the pre-qual and select "Low APR" as my interest that Platinum card would be the first or second choice; now I only get the Venture One for "Low APR" (it's APR is 1% lower than Venture and QS for me). At that time, the APR on the Platinum card was actually offered to me at the same APR as my existing QS1, so the "plan" was to eventually get the no-AF Platinum, then PC to either a QS or QS1 (since my QS1 had the 'old' AF of $79, even getting a card with a $39 would have been a move up). My thinking was that the rewards would offset the (lower) fee until I could do better (which I now have, thankfully). It's a good thing I didn't depend on this 'plan', since the product is apparently no longer available.
It would seem that Capital One is now relegating their MasterCard products to the sub-prime (and secured) products, with the notable exception of the GM Buy Power MasterCard, which oddly is issued as a 'World Elite', even if the starting credit line is as small as $500. (Totally breaking away for a second... I checked the Capital One Canada site today and all of their offerings are MasterCard - not a single Visa in the bunch! I guess MasterCard being 'lowly' is specific to the U.S. Capital One and doesn't apply everywhere... LOL.)
As for all the PCs, I honestly don't know what to expect anymore. I didn't expect my own PC last week, it was just something I did because I was bored, and I figured it couldn't hurt. I had full intentions of trying for one last CLI on each card in June, then rolling the QS1 into the Visa, and that's it. I'm not complaining, though. It seems the only thing I've seen that's consistent through all the threads here is that Capital One seems to either not be able or is not willing to touch a co-branded card (PlayStation, GM, Sony, etc.) That being said, each time somebody asks about it, I simply state that so far I've not seen it, but that doesn't mean there's "no chance". Actually, the quickest way I could make a fool of myself is to state something is "definite, always, never, etc." because invariably the opposite will happen. I learned quickly when it comes to this stuff, I'll share my own experiences, and I'll share what I've read (no point in making somebody do the legwork if I just read something) but I won't state it as an absolute truth or fact... things just change too quickly.
Finally, I've also learned (a couple of times the hard way) that CSRs aren't always right, either. Sometimes if the don't have the answer, they 'wing it' and with this stuff, that's just not good enough. I was once a CSR, so I know how tempting it can be just to say the 'right words' to get somebody off the line, but I always resisted the urge (seriously, it's just wrong to 'assume' with folk's financial lives). That being said, you may have noticed in the other post where I mentioned it was reported that Capital One evaluated accounts every three weeks - I was told that personally by a chat CSR - but I still pass along even that as 'suspect', since even if it was correct a few weeks ago, it might be different now. Everything here is very much YMMV.
As for the PC to QS1... if it is gone, that just means that PCs will be to the no-AF QS (MasterCard in this case) or not offered at all, which really is just as well. While that might not fit every situation to a 'T', it surely makes things quite a bit simpler as far as the overall offering goes.
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:I just asked the eo to pc my card to quiksilver no annual fee and he told me that my fee does not hit until june and i could try again in a few weeks so i can upgrade before the membership fee is charged. Is he saying he knows that for a fact or?
Which card do you have that you are trying to PC? This is an overuse of EO practices and not encouraged here. Not a rebuke just a comment about contacting Eo's for every little thing.
Login to your acct, under the "Services" tab click "More", on this page about half way down you will see a blue line for Live Chat. Open that link and ask the CS agent what offers are available for you. They will tell you immediately and can make any changes to your acct right then and there.
If you are about to hit your 1st anniversary with a QS1 you should PC out of it now. Unless you have had some negatives with Cap1 since you've had this card you would have this option open now. The QS is a fee free card.
I will note that if you are trying to PC to a QS Visa from this card it will never happen even at the EO level.
Im so sorry. I asked through chat on the cap one site. I wrote eo in error (multitasking).
No problem, it happens to the best of us! 
If there's no "offer" available on the account now, they tell you to try again, even up to when the AF posts. Actually, once it posts they have a little more leeway; in my case they were always able to waive half of it (my fee was $79), but they could only do the waiver once the AF actually showed up, not earlier.
If you have a card with a 'normal' AF, it's not unheard of for them to be able to waive the entire fee (YMMV), giving you another year to try for a PC. In my case it worked out.