Happyyyyy

8 Contributions 58 People Helped

Member Since: November 2014

Most Helpful Contribution

Capital One® QuicksilverOne® Cash Rewards Credit Card

May 21, 2015
Best starter out there
Helpful to 26 out of 26 people

Let me start from the beginning. I applied for this card in Nov2014 expecting to be denied because i went thru a car purchase in April 2014 and the dealer racked up manyyyy hard inquiries. In november i needed another car and same thing happened. Thats when i find credit karma and found out about all the nquiries. I was SHOCKED. Took CK advice and applied for the CO platinum card. I was sure ill be denied however they approved me for 300$. Whewww what a burden flew off my shoulders.In march 2015 I called customer service regards general info on my act, and the lady goes like O IT LOOKS LIKE YOU HAVE AN OFFER ON YOUR ACCOUNT TO BE UPGRADED FOR THE QUICKSILVER CARD.

i WAS LIKE NOOOO WAYYYYY Well i happilly accepted and started earning my rewards. (I was enrolled in the steps program)

After my 5th payment i got impatient and logged in online and requested a credit limit increase on my own. another 500$ INSTANTLY.

And just after my 6th payment posted they gave me another 500$ and my toal limit os now 1300$.

My score started 607 I am at 697 now

I have always paid in full and use my credit card as a debit card never carry a balance and even put our vacation tickets on it to earn the most rewards possible. Last 2 months i already earned over 50$ in rewards. HEck yes I will be a loyal customer to capital one forever.

They took a chance when noone else would and loyalty and trust in my book counts for a lot <3

Activity (8 Total Contributions)

Capital One® QuicksilverOne® Cash Rewards Credit Card

May 21, 2015
Best starter out there
Helpful to 26 out of 26 people

Let me start from the beginning. I applied for this card in Nov2014 expecting to be denied because i went thru a car purchase in April 2014 and the dealer racked up manyyyy hard inquiries. In november i needed another car and same thing happened. Thats when i find credit karma and found out about all the nquiries. I was SHOCKED. Took CK advice and applied for the CO platinum card. I was sure ill be denied however they approved me for 300$. Whewww what a burden flew off my shoulders.In march 2015 I called customer service regards general info on my act, and the lady goes like O IT LOOKS LIKE YOU HAVE AN OFFER ON YOUR ACCOUNT TO BE UPGRADED FOR THE QUICKSILVER CARD.

i WAS LIKE NOOOO WAYYYYY Well i happilly accepted and started earning my rewards. (I was enrolled in the steps program)

After my 5th payment i got impatient and logged in online and requested a credit limit increase on my own. another 500$ INSTANTLY.

And just after my 6th payment posted they gave me another 500$ and my toal limit os now 1300$.

My score started 607 I am at 697 now

I have always paid in full and use my credit card as a debit card never carry a balance and even put our vacation tickets on it to earn the most rewards possible. Last 2 months i already earned over 50$ in rewards. HEck yes I will be a loyal customer to capital one forever.

They took a chance when noone else would and loyalty and trust in my book counts for a lot <3

Capital One® QuicksilverOne® Cash Rewards Credit Card

Aug 01, 2015
Bond for life with my CapitalOne
Helpful to 13 out of 13 people

I got this card in Nov 2014 and here is what i did i started with a 300 limit. Just 3 days before my 6th statement came out i requested a CLI it approved me for 500 and guess what requesting a limit increase doesnt cancel your credit steps increase. So 3 days later i received another 500. Bumping me to 1300. and just now i got another 2300 i am up to 3500 in 8 months.

I do use my card for almost everything i can. earn nice rewards and pay in full each and every month.earned over 250 in rewards already. Yes it is pretty heavy usage lol. Pay your bills on time you will never have any trouble

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jun 02, 2015
Helpful to 10 out of 11 people

Thats not true if you paid on time they would never charge you interest. In order to avoid interest you need to pay ur balance off before the billing cycle ends. Plz dont discourage other people who are willing to make the effort and improve their credit simply because u cant handle it!!!!!!!

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apr 17, 2015
Capital One is the best!!!!
Helpful to 2 out of 2 people

In November 2014 i was approve for 300$ with a really bad credit history.It was the capOne platinum. Well in March i called regards general questions and they upgraded me to this Quicksilver cashrewards card. Which was a hige surprise and a nice one if i might add. Today I took a chance even tho my 5th payment just cut and i didnt ger a CLI automatically yet I hit the request a credit line increase button and I was approved for 800$. Thats a 500$ increase. I was supposed to be bumped up from 300-500 with the steps program.

I have always paid my balance in full and put around 1000$ each month on my card basically paying a bill waiting to post and paying it off immediately.

Capitalone is really a amazing company who gives people chances no matter what. There isnt a cad out there that cna compete with them to me vecause when i was so down they were the only ones willing to take a chance.Looking forward to use my card as i used my debit card and earn lots of rewards.

Thank you CapitalOne <3 <3 <3 <3

how long do hard inquiries stay on your report

Apr 20, 2015
Helpful to 3 out of 4 people

Asw far as I know its not converted to 1. they can however see that it was done for the same purpose. My car dealer screwed me up like that too. I have 14 inquiries and cant do anything about it. All the inquiries are shpowing up as separate inquiries on my other credit tools as well.

Capital One® Platinum Credit Card

Jan 16, 2015
Current capital one Customer
Helpful to 4 out of 6 people

I applied for this card in Nov 2014 expecting a denial because I just went thru a car trade in and the dealer put 11 hard inquiries on my record. Which I was shocked about when i saw it. I expected to be denied for this card but to my surprise I was approved for 300$ and enrolled in the steps program. My score at the time was 604 and now its 644 after just making 2 payments on my account. Wohooooo.

The weird thing is my husband had a score of 577 and he applied for the same card and he actually received the QUICKSILVER at the same time. ANd his score now is 604. So i am not sure what they go by and how they decided he qualifies for the better card but we are authorized users on each \others accounts and It really helps the credit score a lot.This is my first credit card ever I do use it wisely and will always be a capital one custome rbecause when everyone else was denying me because of some mistakes in the past they gave me a chance.

Walmart Credit Card

Apr 15, 2015
Helpful to 0 out of 1 people

Well dont blame them for being charged late fees. Even if it takes 20 minutes to call them and make a paymeny if you did it on time they would not have charged you. I have never paid a late fee to anyone if I paid on time!!!!
Do not give bad reviews to others based on you forgetting maybe the due date.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Apr 07, 2015
Helpful to 0 out of 1 people

I switch my designs on my card every 40 days just because they have some cute looking designs and it never took more then 10 days to get my card.