Awesome Card!!
I applied for this card a few weeks ago after Credit karma said that my approval odds were, "very good".
My Credit Karma scores were - Transunion - 685 and Equifax – 683.
After applying, I received a notification that my application would need further review. I immediately thought that this meant that I’d been declined. My hopes were down, I experienced that few hours of depression that you get when you think you’ve been rejected.
The next day I received a phone call from a rep at Capital one. She said that my application was flagged for further review because they needed to make sure that it was me that submitted the application. After confirming that I did submit the request, she pushed my application forward.
A few days later I received an email stating that my new card was on the way!!! When I received it, I found out that they started me off with a credit line of $3,000. I was so excited, as my other card from Cap1 is a secured card that had a credit line of $500. Moral of the story is, just because your application needs further review, this is not necessarily a bad thing. Capital One has been amazing since I received my first card from them a few years ago. If credit Karma says that your approval odds are, “very good” for this card, go ahead and apply. You never know, they may start you off with an even higher credit line than I did. Thanks for taking the time out to read my review!
good money back card
i merged this card with my venture since i have the amex bc i didnt feel i needed multiple cah back cards. good carsd but cap one customer service sucks! if you dispute something they will usaully just call the company your disputing with you on 3-way (something you can do on your own without them) and end up taking their side.
good
No problems after 4 months
Excelent CC!
Awesome!!
Currently have Discover It chrome, Chase Freedom Unlimited and BofA Travel Rewards. Checked for any preapproved offers with Capital One but didn't have any luck. Was considering AMEX Everyday Blue (preapproved) but a lot of similar CK reviewers had "very good" from CK but were declined with a hard inquiry.... I did my reseach and decided on the Capital One Quicksilver CC. Transunion 738/Eqifax 727/FICO 753. CK said odds were "good". Fast app process -- $10K CL in 30 seconds! Instant Transunion hard pull, notified by WalletHub. Looking forward to getting this card to use for everyday purchases and bills. Pay off in full every month! A+!
Did they only pull TransUnion?
They are wonderful when there is a problem and they will help out.
That Is TRUE! I Had A Problem With Red Box! They Billed Me $39.95 For A DVD That I Had Returned A Long Time Ago! So I Call Red Box, And The Representative Told Me, That I Still Had It Check Out! I Ask What The Movie Was, She Told Me, And I Told Her That I Had Returned That Movie A Long Time Ago! She Told Me, That Until I Returned The Movie, My Credit Card Will Be Still Being Billed! So I Contacted Capital One, The Representative Told Me That She Can Put A Lock On My Account, And I Can Get A New Capital One Card With In 7 To 10 Days. And I Told Her That, That Would Be Fine! So With In 10 Days! I Received My New Card, With A New Account Number! The Only Thing That I Had To Do, Was Activate It And Choose My New Pin Number Again!
Yeah but did you get your money back?
The most used card in my wallet
Years ago, when my credit was at a low point, Capital One sent me one of those pre-approved applications in the mail. Since the interest rate was lower than all the other offers I sent the application in. Since that time they have extended my credit line significantly, and was a stepping stone for me to achieve an excellent credit rating over time. Over the years they have become my annual Christmas fund, and extra cash, with their cash back program. Once they contacted me about a charge I didn't make, the day after the charge was made. Customer service was very responsive to the situation. They stopped that card on confirmation from me that I didn't make the charge and expedited shipping of a new card, that I received the next day. Their website is very user friendly and why I do everything paperless with them. I love their app on my phone and the fact that I will receive a notification within seconds of a transaction. That gives me confidence in the security of my card with them. Overall, I can't think of a negative experience with Capital One and would recommend them to anyone.
Do NOT get this card. I applied for this card and was approved in JAN 2017. I finally decided to use it last week (July 2017), and then they charged me a $39 annual fee, which they conveniently have for another Quicksilver card offer that I did NOT apply for. They refuse to reverse the fee. I closed the account and they could not care less. Sick practices considering people going through Credit Karma are trying to build credit. Ugh.
If you were charged an annual fee, then you have the Quicksilver One card, not the regular Quicksilver. I have this card , and have never been charge a fee.
Would recommend
I orginally got the platinum card with a $300 limit. I was stupid and didn't pay on time for a few months. I eventually got it together and started making consistent timely payments for a year and got a $3300 limit increase. So now my limit isn $3600. I called customer service to see if I could upgrade to a rewards card and I was able to. I had a credit score of 687/688. Customer service was fast, friendly, and knowledgeable. The rewards card is definitely worth it with the 1.5% cash back and no annual fee. Highly recommend!!
High interest,foreign phone support
Terrible company to try to and workout problems with.Ill never have dealings with them again.
As with all or most reward cards, high interest rate. But it also depends on your credit score. In my experience, I've needed to call customer service several times and they have alwsys been very helpful, always find a solution and American, well spoken and understandable speaking. Try AMEX! I have several cards, the rewards and benefits are unbeatable, intrest rate is fair (but my scores are 750+) but outsourced customer service.
I enjoy the rewards I receive on this card
It's excellent provided your a responsible cardholder.