I want to thank Gemini101 for his/her post and comment. Gemini101 was able to get upgraded from a QuickSilverOne to a Regular QuickSilver. So when I called six months ago I did not qualify for an upgrade on my QS1 and Plat. After speaking with a rep yesterday, I was informed that I was approved to upgrade QS1 to a QS and Plat to a QS or a VentureOne but both cards had to be closed out and re-issued. I went back to Gemini101 post was informed this was not true. Today I called Cap1 again and was informed that my QS1 will be upgraded to a QS SAME CARD NUMBER..SAME TERMS...no annual fee anymore and cash back going from 1% to 1.5%. With the PLAT ...I opt for the another QS..no annual fee cash back 1.5%.
After the transaction I ask what would qualify a customer for upgrades, usage? internal underwriting? scores? They told me there's a lot that goes into an upgrade.
Thanks again Gemini101 and the fico family.
**It's crazy just 9/2014 three months after BK got a QS1 at $300 Limit and Plat at $500 with Captial One. Feeling blessed this Friday.
Starting scores 1/2015 TU 568 EQ 600 EX 600
Current scores 1/2016 TU 662 EQ 669 EX 653
6/2016 TU 662 EQ 678 EX 655
Von Maur $800, Cap1 Plat $3.100, Cap1 Sony $3,000, Cap1 QS1 $3,750, Khols $2.500, First Savings $750 closed , Overstock $3,200, Avenue $1450, Walmart $6,000, Amazon $3,500, Venture $18,000, Discover $3,000. 5-6% Util, Advant $2,100 loan, Credit Union Auto $15,000 3.9APR
