Upgrading Basic Capital One Card

[jmr79x]

HP = Hard Pull (inquiry)

SP = Soft Pull 9 (No inquiry)

[SunriseEarth]

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@eblackman wrote:

Hello Everyone quick question. I have been rebuilding my credit over the last few years and all is has been good. I have three basic credit cards from capital one and they are all the regular platinum cards.  DOes anyone know if Cap one if i call them and based off my credit scores if they will update my current cards to a ventura or quicksilver card without me having to close my current cap one card and re-apply for those specific cards.

Eugene

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Many members have had success with a PC (product change) for Cap One cards.   I had a Cap One Platinum (formerly a Household Bank rebuilder card).   I was able to PC to the QS1 to get the 1.5% cash back rewards.   I've since been able to PC that to the regular QS with no AF.  

Call or chat first to see if you can PC.   If they don't have any options for you, you may have success reaching out to the EO for help.  

[Anonymous]

How long after your initial PC were you able to PC to the QS with no AF?

[SunriseEarth]

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@Anonymous wrote:

How long after your initial PC were you able to PC to the QS with no AF?

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IIRC, it was within a few months of the QS1 PC.

[eblackman]

JMR thanks still learning about the acronyms here but it was a soft inquiry i asked specific that my credit not be pulled and they assured me and i actually checked credit report. to verify.

E

[eblackman]

HEy Sunrise what is reaching out to the EO and i have three cards with Capital one and of the three one was converted to QSMC and when i requested one of the others to convert to Venture card they said hold on then came back and said that right now NO PROMOTION for me to upgrade my other card and to keep checking back. This was done over online chat not over the phone. I also asked if my third MC could be converted to the Capital one BYNOW mastercard but was told you have flat out apply for that one which i thought was kind of strange.

E

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@SunriseEarth wrote:

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@eblackman wrote:

Hello Everyone quick question. I have been rebuilding my credit over the last few years and all is has been good. I have three basic credit cards from capital one and they are all the regular platinum cards.  DOes anyone know if Cap one if i call them and based off my credit scores if they will update my current cards to a ventura or quicksilver card without me having to close my current cap one card and re-apply for those specific cards.

Eugene

---

Many members have had success with a PC (product change) for Cap One cards.   I had a Cap One Platinum (formerly a Household Bank rebuilder card).   I was able to PC to the QS1 to get the 1.5% cash back rewards.   I've since been able to PC that to the regular QS with no AF.  

Call or chat first to see if you can PC.   If they don't have any options for you, you may have success reaching out to the EO for help.  

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[SunriseEarth]

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@eblackman wrote:

HEy Sunrise what is reaching out to the EO and i have three cards with Capital one and of the three one was converted to QSMC and when i requested one of the others to convert to Venture card they said hold on then came back and said that right now NO PROMOTION for me to upgrade my other card and to keep checking back. This was done over online chat not over the phone. I also asked if my third MC could be converted to the Capital one BYNOW mastercard but was told you have flat out apply for that one which i thought was kind of strange.

E

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@SunriseEarth wrote:

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Many members have had success with a PC (product change) for Cap One cards.   I had a Cap One Platinum (formerly a Household Bank rebuilder card).   I was able to PC to the QS1 to get the 1.5% cash back rewards.   I've since been able to PC that to the regular QS with no AF.  

Call or chat first to see if you can PC.   If they don't have any options for you, you may have success reaching out to the EO for help.  

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The EO is the Executive Office.   You reach them by emailing the Cap One CEO.  You will need to Google "Capital One CEO email"; due to our Forum TOS, we cannot post his email address here.  

I'm not familiar with a "BYNOW" Mastercard from CapOne.  If that's a cobranded card, you probably won't be able to PC to that card.

[eblackman]

HEy Sunrise the Capital one buypower card is the GMC Mastercard a percentage of your purchases goes towards buying a GMC, Cheverolet and a few other vehicals. Thanks for the info i will look up CEO and send an email

E

[eblackman]

Hey Sunrise i followed your suggestion and sent email to EO they called me yesterday very nice and said they would do what they can. Told me they would call me back in 5-7 business day for the results. Basically i asked if one of my regular CAP1 cards could be changed to a NO AF venture card.

E

[Anonymous]

Random thought, there's threads on Cap1 combining limits.  I wonder if that's a viable option in 6 months.  In 6 months, combine 2 of your cards, closing one, then you have "room" for a new third card like Venture. 

Ive learnt that PC a card sets a 6 month clock until further manipulation, combining, PC or CLI can be done. 

Edit:  IMO it was a good idea to at least PC one to a rewards card.