If you hate long reviews exit now. I'm going to tell you guys my journey from thin file to active and progressing. After having so many bad experiences with banks and credit cards i called it quits like 6 years ago. I lived on cash only. Here i was 7/2015 - in my 40's and basically didnt exist in the credit world. Tired of renting and wanting to qualify for a home and all the good things in life i decided to make a change and fix my credit. I joined CK to see how bad my score was, a shameful 530 transunion and 528 equifax, 2 collections -$3000 and $100 and no accounts what so ever. First strategy was obvious getting a checking and a savings account (Wells Fargo in my case) agent suggested to get their $300 secured card and i did. I logged back to credit karma on their next update Bam!!!!! 60 points - now i got 590/590 score. I then went to the Capital One pre-qualifier and they suggested the platinum secured. I was approved for $49 deposit and $200 CL. Another 20 points ( Cap One takes like almost 2 months to report) now im at 610/610 scores. Use and paid in full on both cards for 6 months. Cap One secured auto increased to $500 !. Wells Fargo no increase. I kept reading reviews for suggestions on my next step. So back to Cap One website on their pre-qualifier link, they suggested Quicksilver One, so i applied and Bam! approved for $500 CL, my first unsecured cards in years. I got the card on 3/5/16 and did not show on reports til 4/20/16. Score went up to 635/656. My first statement was for 4/14/16, paid it, waited til the 5/14/16 statement cut. I kept reading reviews. Technically my credit line increase was supposed to be after 6 months which is still in play but i stayed up late last night and someone said that after the first statement cut they tried for a credit increase online and got $1000! Usually their policy is at least 3 months or they deny the request with the account being too new thing. Well folks I said the hell with it since its a soft pull not a hard inquiry and tried, Poof!!!!! $1000 increase! today. My fico right now on all 3 CRS are in the 660. So my 2 month old Capital One Quicksilver One went from $500 to $1500. So all you making fun and calling them Crap One you only have your selves to blame.The secured platinum, unsecured platinum and the quicksilver one cards are to rebuild and establish your credit and for that specific purpose they do exactly that if utilized properly. I hope this honest review helps the real people out there.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR Not Applicable
- Balance Transfer Regular APR 24.99%* Variable
- Annual Fee $39
- Purchase Intro APR Not Applicable
- Purchase Regular APR 24.99%* Variable
The Capital One® QuicksilverOne® Cash Rewards Credit Card is a great choice for people with fair to good credit who are looking for a credit card with a straightforward cash back rewards program.
What to Like
Capital One® QuicksilverOne® Cash Rewards offers 1.5% cash back on all purchases.
Look Out For
This card comes with an annual fee, so it’s important to weigh that against the cash back benefits.
Most Helpful Positive Review
Most Helpful Negative Review
I had an initial 1500 dollar credit limit. It was Xmas time and I paid for Xmas on my card cause I make plenty to pay it off so I spent about 700 dollars for my family Xmas and my sons bday and so that was still less then half of my credit line, plus I've always made every payment on time without fail! Well they decided to drop my credit limit to 1000 dollars and so in 2 seconds they made it seem like I was a high risk case and now I've used 90% of my credit limit cause they took away 500 dollars worth of credit line and my interest is now thru the roof. They don't allow you to make a payment from a debit card so I had to give them access to my checking acct and u can't email them ,u have to call them between the hours of 8-5pm and that's it ,so u better hope u don't have a question at 7am or 7pm cause u will b talking to yourself I assure u of that! I ask u what credit card decides to pull that much off ur credit line when u have never missed a single payment??? All of this is just insanity !
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