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.
BEST EVER
(1) Received $1000 credit limit. Nice APP to manage account. Receive reports on all transactions instantly. Received APP messages and emails on whether a transaction was Approved or needs my Confirmation, this is security at its best. In one instance a fraudulent charge was wiped out after reporting.
(2) Raised credit limit to $1500 automatically after 1-Year.
(3) Timely reports to credit bureaus.
(4) Excellent Customer Service.
(5) No international transaction fee (very important for me since I travel internationally at least once a month).
(6) ENO - Virtual Card Numbers for online transactions. Again, Security at its best.
GET THIS CARD!!!!!!
HORRIBLE
Avoid at all cost, I don’t give a **** what Samuel L. Jackson says. This card is garbage. Had it for six months, pay no interest every month, no CL increase. Customer Service is the pits and of no use to you. No wonder Ctedit Karma pimps is out for this low budget card.
You don't get a credit line increase typically before the first year.
Cash back is decent.
Their online app is easy to use.
good card
Credit karma stated that i poor chance but it was not true! so my message to you all dont competley belive the odds that credit karma gives. i had a score of 638 when capital one approved me.
i like the cash back rewards. i also a have a secured card with capital one which i had that card for year, no issures at all. I like how capital one increses your credit limit about 5-6 on time payments:)
Great
I applied for this card about a year ago as part of my credit recording effort. My FICO was 600 I was approved for unsecured $300 limit. Not much but at least a step ahead. 3 months later I got a limit increase tho$500. Without asking. Today I woke up to find an email from them including me my cl is now $2500. My fico is now 706 which is good. Honestly capital one has helped me rebuild my credit. No issues with payments no issues with capital one
THIS CARD IS TERRIBLE DONT APPLY I HAD A BALANCE OF 5,800 PAID IT OFF BECAUSE OF THE ENORMOUS INTEREST AND THEN YOU HAVE EXTRA CHARGES FOR RESIDUAL INTEREST WHICH THEY DONT TELL YOU BECAUSE YOUR SUPPOSE TO READ YOUR COMPLETE CONTRACT WITH THEM.
This card is terrible because you racked up a huge balance and didn't bother to read the terms? GTFOH
You must always read your contracts.
Regret it
Do your research
Easy
Capital One was the only company that would give me something without trying to charge the hell out of it. 2yrs later I have 2 cards and am very happy.
Managing the card is very easy. The website is awesome. You can see everthing on one page and it is very user friendly. Haven't had to deal with customer service yet.
bucks (way more than the minimum) and they slammed me with 38 late fee, I was on the phone with a supervisor for over 25mins and he refused to take it out under the claim of "it is already been posted". I've been a loyal costumer that always paid either in full or a very high amount for over 6 years, yet they can't even waive a 38 bucks. Now, I'll pay it off and never ever use it again, probably close it because they will charge me a yearly fee. Very disappointing.
balance transfer
great 0 percent offer just pay before your 15 months is up