Approved with a 675 credit score. $2000 credit limit. I currently have 7 other credit cards with a total of $20,250 in available credit. I filed for bankruptcy in 2012. No complaints so far
I had an auto loan from them and even making payments on time they would still call and pester me about payments all the time. I had to take a block all MILLIONS of their numbers. Their customer service is horrible. If you get someone its an indian and you can't understand them. Their payments, if you give them your bank account info are withdrawn earlier and earlier each month. After the second year I figured out that I had made a whole extra payment because they were shaving a few days off each month. So the first month it would be due the 15th then next month the 11th then the next the 6, etc. After 2 years I added up all the payments and I had made 25 payments in 2 years. What a sham! They are a horrible company and I am GLAD to be rid of them. I had to pay the loan off early, 3 years early to get them to quit with the harassment. Hope this company goes under...
I'm unhappy they I have to get them 1 star, this company gets NONE!
In order to 'earn' miles, you have to have made travel related purchases to pay off with the miles your earn. And it has to be like within 6 months or something. And if you want to reimburse your ticket, you have to have enough points for the whole ticket price- maybe even 2 tickets if you bought two at once. Good luck firguring out how to do that on your own - I had to call in. The rep was kind enough to go through my statements with me and help me find travel related things to pay with my miles. It's sad.
I've also been a customers for well over 5 years. Since then, they've increased my credit limit 1 time. I've had a high balance on this card for almost 2 years. I finally paid it off and requested a credit limit increase in they denied it (3 times in 10 months) because I'm not using enough of my credit line. seriously??
Please don't get this card.
I had a Capital One Secured, and a Platinum. I am in the process of rebuildibg my credit, and had a 590 when I got them. I wanted to increase my limit and gain more flexibility with rewards, so I applied for the quicksilver. I was denied stating I had too many capital one accounts. Do i called the next day and closed the secured. My $99 deposit was applied to the balance owed,and I continue to pay on it until it's at $0. I applied two days later again for the quicksilver and was approved for the $500. Funny enough that was on 10/13/16, CK rated my chances fair. Got the email saying my card is shipped in 10/17, and now my chances are "poor" lol. My score dipped 2 points for the inquiry I'm assuming. Point is, I'm at a 606 and got it. I also have a 94% overrall payment history on my credit report though, so I'm not sure what all they base it off of since my score is nowhere near great, but I'm grateful they keep giving me a chance to keep change my credit around. I just had a charge off with them in 2013 that I paid off in 2014 prior to the secured card.
Early one morning while i was asleep. I received a letter but there was no adressee. So i didnt pay no mind in fact, i wanted to send it backkk. But something that i was feeling said open it. It said dear reader or once customer of mines, i hope that this letter finds you in time. Because your approved for 3,000 sony card and it made me wanna say. ""I cant wait till you came in the mailllll, i cant wait, i cant wait. Because capital one stuck by me me till thee end. And i promise to be good to youuuuu. Thank you. Lol enjoy the song folks
So two days ago I used the tool they have to see which card I might qualify for. After I researched and decided wihich card to apply I did. My credit score is 629 and I clicked the submit button and boom i got the Congratulations. I was excited. I get home today and they sent me a letter saying I didn't qualify. WOW please someone tell me WTH happened. Needless to say It's a blessing to not get the card that I am sure of.
Unlike some other credit cards, making an online payment should be quick and easy.
This card has some great online options. I can view transctions, balance and best part... I can make a payment in under two minutes.
I love watching my cash back balance go up too. Best Card.
Oh one thing, when you are sent your card for the first time, you have to request your pin separately, dont worry took them an additional 3 days to arrive. But I had to find this info out by myself.
Credit karma said my chances for approval were good and my credit score is similar to others that were approved. I was looking for a card to transfer some balances to and of course I got denied. Now I get to have another hard credit inquiry. I have one credit card and a car loan with capital one and all my payments are 100% on time so I was very disappointed to be denied.