Rodney Bennett, WalletHub Analyst
You can try to downgrade from Savor to SavorOne by calling Capital One at 800-227-4825. Enter your card number and then use the menu to request to speak to a representative. Tell the representative that you want to do a product change to the SavorOne card, and the representative will tell you if you are eligible for a downgrade.
While Capital One does not disclose exactly what makes someone eligible, anecdotal evidence suggests that you may need to have the account open for at least a year, and it should be in good standing. Some people report being denied for a product change.
A downgrade from Savor to SavorOne will not result in a hard pull of your credit, so it will not impact your credit score. Once the product change is approved, you will receive your new card within 7 to 10 business days.
Ryan Braddy, Member
I just tried to do this and they said SavorOne wasn’t an downgrade option for me. They offered me the VentureOne and Quicksilver cards as an alternative. They said I would have to submit a new application for SavorOne, which makes no sense. I’ll lose the credit history I build with the Savor card and have to start all over again. I wanted to send them an email, but they have no email correspondence option.
Really disappointed in Capital One.
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