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Gillylaho

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At 628, should I try for the capital one Quicksilver or the secured card?
I have a score of 628 and have no credit card. Should I try for the Capitol One Quicksilver or the Capital One secured card?

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Try prequalification

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Fill out capital one's preapproval application. It'll show you the best suited card for you. 

https://findmycard.capitalone.com/en/PageVersions/LandingPages/LP_UNS_QUICK_RWD_V01.aspx?external_id=CJA_ZZ11675637_USCCJ_K2569276_3950408961

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With a 628 credit score, you'll have a better chance getting approved for the Capital One secured card.

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Pre-Approved CC

I went to the Captial One website to see if I am pre approved for a credit card,  It provided a list of cards I was pre-approved for.  I am afraid to let them put a hard hit on my report and decline my applicaiton.  My Equifax score is 628.  I have a couple of credit cards in good standing and a couple of student loans in deferrment.  What are my chances of getting approved?

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I'm considering applying for the Quicksilver myself. My credit scores have improved from the low 570's to the low 670's over the last thirteen months and I have a Capital One secured MC and Amazon Store Card, both in good standing with decent utilization and consistent on-time, over-minimum payments, as well as a student loan that came out of deferment in late 2015 on which I've also made on-time payments without fail. Both versions of the Quicksilver (the no-annual-fee and the $39 annual fee) have popped up on my Recommendations screen today with "very good" odds of approval.  Should I try for it?

P.S. Is the Quicksilver a Mastercard or a Visa? There's no logo on the card to indicate which one it is; I asked the same question about the Venture yesterday and have been told that it's probably a Visa.

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