Easy Application and Approval!
I was nervous about applying for this credit card because I have previously had a credit card with Capital One that was charged off and went into collections about seven years ago. After about a two minute application process, I was quickly approved for the Quicksilver credit card with an $8000 credit limit ! :-)
My credit score is 781
My annual yearly income is $55,000
My total debt is about $108,000 which includes just a mortgage payment and a credit card with a 0 balance.
I hope this helps! This card seems like it'll be a good one. I'll try to update in 3 months when I get the Welcome Reward.
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Perfect
This and Discover are te most professional people to work with in this industry. I've had two occasions with Capital One where I saw a charge that wasn't mine. They immediately credited back my account and launch an investigation. Turns out I was right so it all worked out, but they did the heavy listing. When I applied, through Credit Karma's recommendation and user reviews, I was re-building my credit and my score was around 670. They gave me this card with a $10,000 credit limit. Then I applied for their Discover SAVOR card and it also came with a $10,000 line of credit.
Great cards and great people.
We refuse to use it
My credit is excellent but Capitol One is an embarrassment. We had a problem with a vendor, at first Capitol One acted like they would take care of it. I sent them tons of paperwork, more than they requested, they closed the complaint without investigation and i spent to much of my valuable time chasing them. I have the call recorded which when they found that out refused to speak with me further and hung up on me, i have that also recorded. They lied and said they never got the paperwork yet 3 minutes before in the same conversation they said they received it all. I have a letter from them saying because I didnt supply the paperwork(i have on recorded call they admit i did) they are closing the complaint and i am responsible for the charges. We paid the charges and have not used them since. Chase bank gave me much better terms, 3 times the credit limit at much less interest and no annual. I will cancel the card soon but didnt want to ding my credit by doing so . My FICO score is between 790 and 814 depending on who you ask. You would think they would want to keep people like us, so imagine how they lie to people really working on their credit. Run from this company!
Straightforward and simple
Have had it 4 1/2 years and have never had a problem, paying in the cap one app is a breeze. Their app is very good.
HORRIBLE Customer Service
I have yet to speak to someone who completely understands English and can help me. I have to repeat myself over and over and all they want to do is send out a replacement card. That's their standard response. I am looking now to transfer to another credit card. The customer service is horrible and I will never deal with them again.
Great rewards card. Works well even abroad.
Love this card!
After suffering layoffs and a bunch of nonsense, I applied for this card in October of 2018 and I was delighted when I got approved and could restart the credit-building process. At the time, I was approved with a TU/Equifax score of about 580. They started me with a $300 limit and it was raised to $500 within a matter of months. I've paid 100% on time and pay multiple times per month. I just got approved for a second Capital One card (the Platinum card-- I did not have to put a deposit down). This is a great card and while the cashback option doesn't yield big perks for me with a $500 limit, it's still nice to have this for times of emergencies. Just over a year later, my credit score has gone up to 670 (fair) and I'm hoping to hit the 700s in the next 6 months or so.
Credit Karma Take UNRELIABLE
I just wanted to review this to say that the Credit Karma take on this is completely unreliable. I found this out accidentally. Credit Karma's take on this card for me is Poor Approval Odds. I applied through Capital one's website. I was trying for the Quicksilver One but I didn't realize that I actually applied for Quicksilver. When I realized my mistake I thought for sure I'd be rejected because of Credit Karma's 'Poor Approval Odds'. But I was approved within a few days. I would have tried applying for a different or better rewards card if I knew how unreliable Credit Karma's evaluation is. I should be getting my card in a few days. Haven't used it yet
Great for rebuilding credit
Let me start out by saying that I was approved for this card at the young age of 20 with a horrible credit score....
Also, might I add when I was 18 I had two cards with capital one that I let go by not paying the balance, so they charged them off as bad debt as expected!
So, Yes two years later I was pre approved for another two set of Capitol one cards which I still hold current to this day 6 years later!
They are willing to work with anyone in my experience the 6 years I've held this card.
The apr was not great because of my past charge off with them but i knew that going into to it.... I mean (just control your finances better) and it shouldn't be a problem!
They do give a pretty decent raise in credit and give you the option to request a higher limit in the app itself... So thats a plus for me!
I really don't have anything bad to say about this card or the company and all the people I see complaining on here just sound like they dont know how to manage their money properly or they just dont understand how applying for a credit card works.... either way I highly recommend this card and this company!
Great for rebuilding credit
Let me start out by saying that I was approved for this card at the young age of 20 with a horrible credit score....
Also, might I add when I was 18 I had two cards with capital one that I let go by not paying the balance, so they charged them off as bad debt as expected!
So, Yes two years later I was pre approved for another two set of Capitol one cards which I still hold current to this day 6 years later!
They are willing to work with anyone in my experience the 6 years I've held this card.
The apr was not great because of my past charge off with them but i knew that going into to it.... I mean (just control your finances better) and it shouldn't be a problem!
They do give a pretty decent raise in credit and give you the option to request a higher limit in the app itself... So thats a plus for me!
I really don't have anything bad to say about this card or the company and all the people I see complaining on here just sound like they dont know how to manage their money properly or they just dont understand how applying for a credit card works.... either way I highly recommend this card and this company!
Great for rebuilding credit!
Let me start out by saying that I was approved for this card at the young age of 20 with a horrible credit score....
Also, might I add when I was 18 I had two cards with capital one that I let go by not paying the balance, so they charged them off as bad debt as expected!
So, Yes two years later I was pre approved for another two set of Capitol one cards which I still hold current to this day 6 years later!
They are willing to work with anyone in my experience the 6 years I've held this card.
The apr was not great because of my past charge off with them but i knew that going into to it.... I mean (just control your finances better) and it shouldn't be a problem!
They do give a pretty decent raise in credit and give you the option to request a higher limit in the app itself... So thats a plus for me!
I really don't have anything bad to say about this card or the company and all the people I see complaining on here just sound like they dont know how to manage their money properly or they just dont understand how applying for a credit card works.... either way I highly recommend this card and this company!