To upgrade from Quicksilver One to Quicksilver, you can accept Capital One's online, mail, or e-mail offer. Cardholders who are eligible for an upgrade will be notified through an "Upgrade Now" banner online or by mail. If you haven't received a notification, you can always contact customer service at 1 (800) 227-4825 and ask if you're eligible for an upgrade. There's no credit check associated with a request to upgrade. If Capital One determines you are eligible and you agree to the upgrade, there will be a hard inquiry on your credit report. This will temporarily lower your credit score by a few points.
To accept an online offer, log in to your account and click the "Upgrade Now" banner. A "Finalize Upgrade" window will appear. Review the upgrade terms, check the box stating you agree to them and select "Upgrade Card." For other offers, follow the instructions in either the letter or e-mail that you received. Unless stated otherwise in the offer, your card number, APR and credit limit will stay the same. You can still use your old card until the new card arrives in 7 to 10 business days.