Quicksilver One to Quicksilver
My story is similar to Jelsmom's I did not apply for the card nor was I pre-approved. Credit Karma said I had a poor chance of getting the card. In a quest to become more financially credot wise I called all my credit cards with an annual fee and ask them to waive it. Two did and two did not. The cards that did not waive the fee I paid in full and closed. I closed the accounts after getting credit line increases from the other two that did waive the fee so my credit purchasing power and credit score would not be affected. After explaining to the Cap1 customer service person what I wanted to do, he looked over my account and offered to switch my CO Platinum Card to the Quickesliver with no annual fee and then walked me through the process of merging the credit line from my Quicksilver One (has annual fee) in to the new Quicksilver. As my great granny would say “I am pleased as punch” Cap1 helping me get my credit financial life together and rewarding me for my efforts.
Really good and secure
Ive had this credit card for 5 years now and its dantastic. So far this credit card has never been hacked or whatever unlike my other bank credit card which has been like hacked 3 times now in a matter of 3 years.
Had this card as well as the one, and neither of them would give me a cli no matter what I did. Have pretty **** good credit rn 700+ and for over a year I would get the same message saying they couldn’t give me an increase no matter how heavily I used it. Customer service was a joke, they couldn’t tell me anything.
It's user friendly and the cash back is
There is zero annual fee. You get cash back rewards for every purchase. There is a Capital One app that allows you to manage your account on line, even make payments. Its very helpful and easy to use. The best feature of this card is"Credit Wise'. It allows you to not only access your FICO score but review you're complete credit report 24/7/365 without a hit on your report.
Horrible through and through
When applying it puts a hard inquiry on your account. Its been 3 weeks and my balance transfer went in on their end (meaning they charged me on the capital one card) but still havent paid off my citibank card. Was told that I would have 18 months no interest financing on this balance transfer but it was more like 13 months which makes no sense whatsoever. The customer service people have told me 3 different stories as to why citibank hasnt recieved payment. Its borderline a complete scam. Will never do business with capitalone. Seems like they just want to mess up peoples credit scores.
Awesome experience! Cool features in app.
It’s okay
I haven’t had the card very long, but I signed up through Credit Karma and there was(is) and $150 bonus when you spend 500. Well I never got it. I haven’t called yet due to the holidays but I’m still really irritated by it. It also takes like 3+ days after a purchase to even show that you made a purchase or show the transaction pending and then another 2ish days for it deduct the money. i like to see my transactions and keep track of my spending and if makes it pretty difficult to do that when it doesn’t even show any evidence that you used the card for like 3 days.
other then that I haven’t had much more to complain about. Nothing too terrible just annoying. Might try looking for a different card, maybe with better cash back options.
Horrible / incompetent customer service
Never regretted applying for a credit card as much as I regretted this one.
They run your credit in all three bureaus (incredibly excessive especially when applying for just a credit card with a low end creditor like this one) and it hurts your credit in all three.
Callong their customer service is an absolute nightmare, very incompetent and they don’t even know what they’re talking about. They don’t even have anything that they can refer to to give an answer. I called 4 times so far, only once was able to talk to someone who probably knows a little more than others.
i deeply regret doing any business with this company, and I am definitely considering closing that credit card. I know I already took the hit in all three bureaus, but that’s minor loss when I compare it to having a credit card that had no customer service whatsoever behind it. My credit score is gonna recover anyways, but doing business with this company is a guaranteed disaster waiting to happen.
Good for rebuilding credit
I applied for and received this card when I was rebuilding credit. I was approved with a very small credit line of $300 when my FICO was about 600. Fast forward 5 years. I now have a 765 FICO and high credit limits with such banks as Amex and Discover. Cap One will not increase my limit past $1000. The APR is high and they charge a yearly fee. I appreciate that they took a chance with me, but I will be cancelling the card.
When you go to cancel, maybe then will they increase your line and eliminate the annual fee.
I thought there wasn’t suppose to be an annual fee for this card??
Usually no annual fee. But people with a low credit score could get one, until they improve their score. Shouldn't be one with even OK credit. I wouldn't pay one for this card.
Cancel it.
Sounds like it ran its course. Every credit card isn’t a forever card.
This card is a great start!!
I am rebuilding and already this card has been great helping me with that. After reading reviews I was skeptical, however I'm glad I decided to do it. My fiance has never had credit, good or bad credit karma didn't even come back with a score for him because it was basically at zero. I read reviews stating this card wouldn't help an authorized user gain credit. Well I'm here to tell you that is incorrect! I added him with his social security number (gives an option to use social or no social) and in about a month it showed up for him and jumped his score from zero to 690. My credit has jumped from low 540 to 630. Obviously that's not a great score but it is on its way. So I give this card a 5 star rating, I use the app to pay my balance and I stay under 20% of my limit .
HI on your balance it needs to be 10% example credit limit 700$ divided by 10 = what you spend.
Balance transfer didn't happen
Approved for 6k but the balance transfer option never came up during application. Called and they said they're not promoting that option now. Wtf credit karma?