ladysquierrr

3 Contributions 162 People Helped

Member Since: December 2014

Most Helpful Contribution

Capital One® QuicksilverOne® Cash Rewards Credit Card

Nov 08, 2018
Responsible Cash Reward Building 101
Helpful to 77 out of 79 people

The Quicksilver One was my first cash rewards card. I was probably in the mid-high 500s when I was approved for a credit line of $500, i believe. It was a great card to help me get back on my feet with credit after I'd damaged it due to college layoffs and bills in school. I do have better cards now with higher limits so I tend to use those more frequently. Capital One's customer service is unparalleled. They definitely have your back and are willing to work with you on late payments provided that you talk to them honestly about your financial struggles.

Activity (3 Total Contributions)

Capital One® QuicksilverOne® Cash Rewards Credit Card

Nov 08, 2018
Responsible Cash Reward Building 101
Helpful to 77 out of 79 people

The Quicksilver One was my first cash rewards card. I was probably in the mid-high 500s when I was approved for a credit line of $500, i believe. It was a great card to help me get back on my feet with credit after I'd damaged it due to college layoffs and bills in school. I do have better cards now with higher limits so I tend to use those more frequently. Capital One's customer service is unparalleled. They definitely have your back and are willing to work with you on late payments provided that you talk to them honestly about your financial struggles.

Blue Cash Everyday® Card from American Express

Nov 08, 2018
Great customer service, meh rewards
Helpful to 74 out of 77 people

As I remember it I was in the 660s across all bureaus when I applied and was approved for this card with a $2000 credit line. Keeping track of the cash back categories got exhausting after a while, but it's cool that you get 3% back on groceries. Not so cool that there's an annual cap on what you can earn. (Citi's Double Cash card doesn't have a cap; neither does QuickSilver One.) My husband and I used this as our 'exploit' card that we paid off in full just to reap the rewards but now we use the Double Cash instead since that has no caps. I have to say Amex was really good about identity protection. My card was hacked and fraudulently charged twice. After I told them what had happened with both transactions, they were quick to refund my money and shut down/replace my card number. They even overnighted my new card for free so I didn't have any spending downtime (since I used the card for groceries and gas).

Citi® Double Cash Card

Nov 08, 2018
Easy to use and the rewards were quick.
Helpful to 11 out of 11 people

As I remember it I was in the 660s when I applied and was approved for this card with a $2300 credit line. I've had it for some time now and the rewards accrue quickly, especially if you pay off the balance in full each month since rewards accrue on payment and on spending.