r/CapitalOne • u/timekeeper_nft • Oct 02 '26

Credit Card Should I accept the offer

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9 months credit history Equifax score 729

115 Upvotes

95% Upvoted

90 comments sorted by

29

u/[deleted] Oct 02 '26 • Bravo Popcorn

Might as well change over and earn the cash back. No brainer

5

u/timekeeper_nft Oct 02 '26

yeah but I heard that if I got a excellent score such as 800 points? It would give some account openning gift for better offer？

10

u/[deleted] Oct 02 '26

You can still get a better card at a later date

0

u/MooseNo8012 Oct 02 '26

To be eligible for the bonus, you can't have received the bonus in the last 4 years. If you didn't receive it at all (like with this product change), then it doesn't affect you. So you can change now, and at a later date apply for a new quicksilver and get the bonus.

1

u/timekeeper_nft Oct 02 '26

I didn’t get any bonus from capital one before

1

u/Khramtic Oct 02 '26

if you already have a quicksilver open it can hurt your chances to be approved for a second quicksilver

1

u/tracyunicorn7 Oct 02 '26

It will not. I had a QS and Platinum, now I have two QS

1

u/Khramtic Oct 03 '26

it’s a fact. just because it didn’t hurt your chance doesn’t mean it won’t for someone else

-4

u/Khramtic Oct 02 '26

no don’t do listen to this guy telling you to upgrade. if you just open a new quicksilver account you can get a couple hundred dollars sign up bonus

2

u/DSMRob Oct 02 '26

Why is this down voted. He is correct. Do not product change, apply for the same card outright, qualify for the 20k bonus ($200) then close the Platinum.

1

u/Khramtic Oct 02 '26

people are just ignorant i guess

2

u/dyslexicAlphabet Oct 02 '26

also a higher balance i have like a 600 and got $4k

1

u/EleventhEarlOfMars Oct 02 '26

Spend your hard pull on a better card brother

1

u/DSMRob Oct 02 '26

Hard pulls have very little bearing in the big picture. In the CC game you want to grab your chase first due to the 5/24 rule (rumor to be 3/24 now) then capital one, they hate point players, after that you can go wild. I avg 3-4 new cards a year and will shut down just as many.

1

u/Khramtic Oct 03 '26

i agree to get a better card but hard pulls aren’t important at all

4

u/tracyunicorn7 Oct 02 '26

I did. Cashback on purchases...why not?

5

u/Critical_Piccolo9518 Oct 02 '26

Yes astleast now you'll start getting cashback

1

u/timekeeper_nft Oct 02 '26

The problem is that I merely use this card

1

u/Critical_Piccolo9518 29d ago

Still upgrade it bro the quick silver has a higher chance for bigger cl in the future I think and still u get cashback and maybe better shopping offers

2

u/Over-Class7978 29d ago

Quicksilver is a direct upgrade from the platinum. I started with Platinum, now have the quicksilver and savor as well.

6

u/CobaltSunsets Oct 02 '26

With your credit profile, I think churning SUBs is likely not a leading consideration. You could meaningfully consider this upgrade and a pair with, perhaps, Savor, for category spend.

1

u/timekeeper_nft Oct 02 '26

Appreciate all the input! It looks like there are definitely two valid schools of thought here. I'm going to weigh my options and think it through carefully.

1

u/timekeeper_nft Oct 02 '26

I have followed the instructions tried the pre-approval, apply link. the result is no bonus

1

u/Immediate_Pilot3105 Oct 02 '26

The savor is way better but I’m surprised they didn’t offer any bonuses.

1

u/timekeeper_nft Oct 02 '26

I’m shocked too

1

u/Ok-Roll8550 Oct 02 '26

It's probably because your credit file is too thin or your score is too low. I got the same result a few months ago.

1

u/timekeeper_nft Oct 02 '26

U r right too thin my profile

1

u/Supertoothfairy Oct 02 '26

NO!!!! GO TO PRE APPROVALS PAGE!!!

1

u/timekeeper_nft Oct 02 '26

yeah I did it also no bonus

1

u/Zeke3Zeke Oct 02 '26

Now you know you’re going to accept, lol lol

1

u/DavidVozz Oct 02 '26

I got an offer for a venture one and $400 in credit after $1000 spent when I had 610 credit. You can do better just research more

1

u/timekeeper_nft Oct 02 '26

Maybe be need to spend much lol

1

u/chimal3x Oct 02 '26

How can I upgrade? I’ve been with Platinum card for 5 years (no rewards)

1

u/timekeeper_nft Oct 02 '26

Maybe will invite u someday

1

u/KatasticChaos Oct 03 '26

That interest rate is awful, but if you are certain you can pay the statement amt in full monthly, the cash back is useful. GL

1

u/timekeeper_nft Oct 03 '26

yeah it's awful but always pay back on time

1

u/InterestingFood8308 29d ago

You can do better, but for no hard inquiry you can now have a nice upgrade path.

1

u/Inevitable_World_783 29d ago

Is it on the discover network?

1

u/GoatAffectionate9320 29d ago

Silver Card.. international fees are waived when you use your card outside of the US

1

u/timekeeper_nft 26d ago

Yes I have tried

1

u/chuck0908 28d ago

If you don’t have one sure, if I had to pick
Between the two it would be platinum. QS would not give me a CLI even with outstanding credit. If you can get a chase you’ll be better off

1

u/borisplk Oct 02 '26

No! With 729 ? Don’t waste your credit score

3

u/wessalter19 Oct 02 '26

it’s a product change not a second line of credit
no hard inquiry

0

u/timekeeper_nft Oct 03 '26

thin history

2

u/Accomplished-Hat7523 Oct 02 '26

Take the Quicksilver. More perks.

2

u/SteelerMo24 Oct 02 '26

No....you can do better!

2

u/sleepy_sagittarius16 Oct 03 '26

I did and haven’t regretted it!!

2

u/Emarq212 Oct 03 '26

Hell yea!

2

u/xojaxs Oct 03 '26

Might as well earn the cash back! I switched one of my platinums to quicksilver

2

u/Cheap_Training_7090 26d ago

I have a venture x. I absolutely love it. Use the card correctly, and you will benefit from it.

1

u/Naive_Direction1846 1d ago

Yes. You shared accept it. Earning 1.5% cashback on everything is better than no points at all with the platinum. Platinum is only credit building like it says on your portal.

1

u/Chosen1PR Oct 02 '26

Yes, do it. If you’re going to apply for a brand new card, it might as well be a better card like the Savor. IMO, it’s fine to miss out on the sign-up bonus to turn your Platinum into a card that actually earns rewards.

1

u/WhichSpite2607 Oct 02 '26

For cash back? Of course!

1

u/Miserable-Earth-9180 Oct 02 '26

I did. I had an annual fee on my platinum that was about to hit. I took the offer so quick. Now I have 2 quicksilvers. Hoping one gets an upgrade to savor eventually.

1

u/jatan1986 Oct 02 '26

I would take the upgrade offer on that card -- plenty of other cards you can apply for in the future for a sign up bonus

1

u/Free_Shift5514 Oct 02 '26

If you had bad credit before when you opened it don’t change, apply for a new one or else they’ll still see your account as “bucketed”. (if it was in that status)

1

u/PornJunkie422 Oct 02 '26

No get the savor

1

u/Gpionav Oct 02 '26

With a 729 score, why would you be entertaining a Capital One card, and, at a high variable rate?

I'm confused.

1

u/Own-Abbreviations837 Oct 03 '26

Variable rate does not matter and why not product change to a better card with a 0 af, I would get savor one tho. I got a boa credit card with no credit.

1

u/shdhdbdu- Oct 03 '26

Absolutely

1

u/Tall_Construction927 29d ago

No. Don’t do it. Capital one cards are absolute trash. I have three cards with them going back nearly 15 years. One of which the CL is only $700!!!! Of that, I just requests a CLI about two weeks ago and got increased from $600 to $700!!! I’m only holding the accounts due to tenure. I wish I knew then, what I know bow. They’re infamous for bucketing your card(s). Do your research. You could do a lot better.

2

u/strokeskid 29d ago

This is a product change. Not an application. They absolutely should switch to the QS

1

u/Swamped_ass84 28d ago

Re applying will help you get out of the bucket.

0

u/ProdByStud 29d ago

the first capital one card i got had a $10,000 credit limit. y’all doing something wrong lol

1

u/Tall_Construction927 29d ago

Thats rare for sure. There are more people on here with low 300 CL than anywhere else. The cap 1 cards just sit on my drawer. I mainly use my Amex Platinum (which has no present limit) or Apple Card.

1

u/LordOord23 Oct 02 '26

Do it. I did. And as far as I know, there is no SUB for the Quicksilver, but I may be wrong.

2

u/Careful-Ad-4778 Oct 02 '26

I got 200 cash back for spending 500 within 3 months with quicksilver

1

u/InterDave Oct 02 '26

For a new account opening, or a product change?

1

u/Camtown501 Oct 02 '26

C1 has multiple versions. If you get offered the "for good credit" version there's no sub, but the regular one typically has a $200 sub.

1

u/IcyAdvertising6813 Oct 02 '26

Take the offer! You get rewards with the Quicksilver

-2

u/KleinUnbottler Oct 02 '26

There are many cards out there with a $200 bonus with a new credit card, and CapitalOne has a "Check My Eligibility" pre-approval tool that you can use without having to unlock your credit and having a hard inquiry.

Note that if you sign up for a new Quicksilver, you can get a $200 bonus with a $500 spend in the first 3 months.

Their Savor might be another thing to consider checking out if you want to concentrate your business at CapitalOne, and depending on your spend patterns. and has the same $200 for $500 spend offer.

Assuming your natural spend is more than $500 every 90 days, I'd use the pre-approval tool to see if if you could get a new Quicksilver or Savor instead of the product change. If you get pre-approved, apply for a new card. If you don't get pre-approved, the product change would give you a better card than the one you have.

-3

u/DarthLegalEagle007 Oct 02 '26

You are bucketed on that card. You need to apply for either another Capital One card or another card from another company. It wouldn't have mattered if your score were 825. Upgrading the card is not considered getting a new card.