topic Re: Capital One Quicksilver PC in Credit Card Approvals

Capital One Quicksilver PC

NRB525 — Sat, 28 Mar 2015 02:10:41 GMT

Decided that my Capital One Platinum Master Card, with 1 percent rewards is kind of stale.

Not prepared to take any HP, and the $10k CL I have is fine, the APR of 10.90% I could not currently expect to improve upon with a new app anyway.

And the most important part, I've had this account since 2003. I did not want to lose that age.

So got on Chat with CapOne just now, and they are upgrading my card, everything including the account number stays the same, to the WMC QuickSilver.

No HP, no loss of account history, same good APR, 1.5% on everything, no AF, no FTF, no BT Fees. No recent CLI, but we will see in a few months again, though 10k is always adequate.

I'm happy!

Re: Capital One Quicksilver PC

Anonymous — Sat, 28 Mar 2015 02:23:07 GMT

Congrats.. That is a nice APR with Cap 1..

Re: Capital One Quicksilver PC

NRB525 — Sat, 28 Mar 2015 02:43:10 GMT

Thanks, yes I know, that APR is why I have never been in any hurry to app for something else from CapOne.

The general features of all their cards are virtually indistinguishable, so with one outstanding feature, the other cards lose their appeal.

Re: Capital One Quicksilver PC

Anonymous — Sat, 28 Mar 2015 02:45:26 GMT

@NRB525 wrote:
Thanks, yes I know, that APR is why I have never been in any hurry to app for something else from CapOne.
The general features of all their cards are virtually indistinguishable, so with one outstanding feature, the other cards lose their appeal.

Agreed... I think you are the only one I have seen with that kind of APR with them..

Re: Capital One Quicksilver PC

Anonymous — Sat, 28 Mar 2015 09:19:37 GMT

Yeah 10.90 seems unheard of with capital one. Congrats!

Re: Capital One Quicksilver PC

Anonymous — Sat, 28 Mar 2015 15:27:59 GMT

Congrats on your recognition of ten years and obtaining the upgrade!

Re: Capital One Quicksilver PC

lg8302ch — Sat, 28 Mar 2015 15:34:17 GMT

@NRB525 wrote:
Decided that my Capital One Platinum Master Card, with 1 percent rewards is kind of stale.

Not prepared to take any HP, and the $10k CL I have is fine, the APR of 10.90% I could not currently expect to improve upon with a new app anyway.
And the most important part, I've had this account since 2003. I did not want to lose that age.

So got on Chat with CapOne just now, and they are upgrading my card, everything including the account number stays the same, to the WMC QuickSilver.
No HP, no loss of account history, same good APR, 1.5% on everything, no AF, no FTF, no BT Fees. No recent CLI, but we will see in a few months again, though 10k is always adequate.

I'm happy!

Congrats ..you nailed it! Now it is an excellent card

Re: Capital One Quicksilver PC

Anonymous — Sat, 28 Mar 2015 15:36:56 GMT

How do you get to the chat? I'm on cap1 looking for it and I can't find it

Re: Capital One Quicksilver PC

lincar66 — Sat, 28 Mar 2015 16:20:46 GMT

Jeepers creepers I have another 7 years to go and maybe they will upgrade me

Re: Capital One Quicksilver PC

NRB525 — Sat, 28 Mar 2015 17:25:02 GMT

@Anonymous wrote:
How do you get to the chat? I'm on cap1 looking for it and I can't find it

Go to the menu for "Messages & Alerts" then Message Center below that. There should be a blue "Chat Now" button that will open a separate chat window.

The initial CSR was providing the basic information, checking whether the upgrade was possible, then handed the chat off to the CSR who actually triggered the upgrade. The nice thing about this is, the second CSR said "hold on while I review the previous chat" so I didn't have to repeat all the details. If in voice, it seems you usually have to recite all the details to each new CSR.

Re: Capital One Quicksilver PC

guydiver — Sat, 28 Mar 2015 17:30:24 GMT

Congrats on your success. Better late than never!

Re: Capital One Quicksilver PC

NRB525 — Sat, 28 Mar 2015 17:30:37 GMT

On my CapOne account, it was previously displaying "5,180 miles".

Today it was converted to "$51.80 cash"

Re: Capital One Quicksilver PC

uswala — Sat, 28 Mar 2015 18:43:02 GMT

Congrats!

Re: Capital One Quicksilver PC

Cookie2120987 — Sat, 28 Mar 2015 20:10:54 GMT

Congrats!

Re: Capital One Quicksilver PC

Anonymous — Sun, 29 Mar 2015 03:28:40 GMT

Congratulations!

Re: Capital One Quicksilver PC

NRB525 — Sat, 25 Apr 2015 21:33:22 GMT

Received an alert today. Since the Quicksilver is a WMC, I presume this means I don't have to keep bugging CapOne about getting a CLI?

If I want to charge more than the $10k limit, I just need to pay it down with the next statement?

(the balance activity is actually a series of moves, most of the first balance over to Discover to get a lower APR with no fee, then kiting a BofA balance to CapOne preparing to re-BT it back to BofA on another 18-month 0% offer for a 4% fee)

Re: Capital One Quicksilver PC

Anonymous — Sat, 25 Apr 2015 21:41:01 GMT

Oh is that what world Mastercard means? That is awesome if it does.

Re: Capital One Quicksilver PC

NRB525 — Sat, 25 Apr 2015 22:08:23 GMT

Yes, similar to Visa Signature, both types of cards seem to be reported as "flexible spending".

The actual wording in the Customer Agreement that they sent is that Capital One:

"We may consider each transaction that may cause you to exceed your revolving credit line based on several factors, including your performance on this Account and other credit accounts you have with us and your performance with other creditors. If we do authorize transactions in excess of your revolving credit line, they will be subject to this agreement. They will not result in an increase in your credit line."

Re: Capital One Quicksilver PC

SisterGirl — Sat, 25 Apr 2015 23:32:21 GMT

Congrats to you !

I've had mine since 8/2000 that still has a 8.4 APR with the full line available for cash advances (don't use that option though), but a $4800 CL that they refuse to budge on. I think that may be because once upon a time, you could open another card - close it - combine the limits ! They've long since stopped that option & really think that has hindered me to this day.

I don't really care because the line itself is decent & I love that they've never given me any flack on the APR (this card started out with the marble green look with no rewards & then upgraded to the QS/1.5 through EO because I didn't want a new app with a higher APR).

Re: Capital One Quicksilver PC

Anonymous — Sat, 25 Apr 2015 23:39:17 GMT

Congrats! Super apr with them!