topic Re: Capitl one Quicksilver One vs Quicksilver in Credit Card Applications

Capitl one Quicksilver One vs Quicksilver

fritscher — Sun, 12 Feb 2017 17:02:30 GMT

Hi I have had 2 capital one platinum for about 6 years and they were recently upgraded to quicksilver ones but still have those annual fees..I read that the captial one quicksilvers are for fair to good credit but i would prefer to have the normal Quicksilver with no annual fee now that my score is in the 700 ranges..my one quicksilver one has 0 balance and my second will have 0 balance this month..they each have about 2500 cl on since i had them from my former days of lower credit score..I dont think capital one will upgrade them again since i just did that..How do i go about getting those change to either one or two normal quickslivers..Is it safe to close them and applying for the other card? or what? thank you

Re: Capitl one Quicksilver One vs Quicksilver

Anonymous — Sun, 12 Feb 2017 17:27:44 GMT

You have two options:

1. Apply for a regular QS. Once approved after 6 months, combine your two QS1 into your QS. This will give you one card with a nice limit.

2. Wait it out and continue to check with CO to see if you have any offers to upgrade to QS.

*Another option is to see if you can get the fees waived on your QS1. I'm not sure if they will permently waive them, you may have to call in every year.

Re: Capitl one Quicksilver One vs Quicksilver

MrsCHX — Sun, 12 Feb 2017 17:34:38 GMT

Don't close them. Combine them. App for QS. Roll the new combined QS1 into the QS later.

Re: Capitl one Quicksilver One vs Quicksilver

lacecop98 — Sun, 12 Feb 2017 18:43:48 GMT

Call and ask them if they can upgrade or combine into one. I have a qs1 and a platinum. They just upgraded the platinum for me to a qs. He said when i pay it off...just charged it up(small limit) i could combine my qs1 with it for just one card.

Re: Capitl one Quicksilver One vs Quicksilver

Anonymous — Sun, 12 Feb 2017 20:10:13 GMT

upgrades are like CLIs, you'll have to wait 6 months to get another. but as stated above, you could combine your cards for a higher limit and only have 1 with AF

Re: Capitl one Quicksilver One vs Quicksilver

Anonymous — Sun, 12 Feb 2017 21:15:56 GMT

Kind of surprised they took you to a QS1 only. I think the lowest amount for a QS is $2500.

Re: Capitl one Quicksilver One vs Quicksilver

fritscher — Sun, 12 Feb 2017 21:16:26 GMT

thank you all so much! appreciate your help

Re: Capitl one Quicksilver One vs Quicksilver

MrsCHX — Mon, 13 Feb 2017 01:31:02 GMT

@backwoods my Platinum upgraded to QS with an $800 limit.

Re: Capitl one Quicksilver One vs Quicksilver

Anonymous — Mon, 13 Feb 2017 02:17:44 GMT

Wow. I never heard of one with that limit. Learned something new. Thanks

Re: Capital One - Quicksilver One vs Quicksilver

WST — Mon, 13 Feb 2017 16:01:11 GMT

Greetings All,

As another data point, my Platinum was at a $1500 limit when I PC'd to a QS.

Re: Capitl one Quicksilver One vs Quicksilver

joltdude — Sun, 19 Feb 2017 17:04:22 GMT

@Justagirl73 wrote:
You have two options:
1. Apply for a regular QS. Once approved after 6 months, combine your two QS1 into your QS. This will give you one card with a nice limit.
2. Wait it out and continue to check with CO to see if you have any offers to upgrade to QS.

*Another option is to see if you can get the fees waived on your QS1. I'm not sure if they will permently waive them, you may have to call in every year.

Third is seeing if they will waive or permanently remove the AF on either or both of the QS1s...... since the op was supposedly upgraded (as someone else posted they will have to wait 6+ months to try again ).... Still think with that long of a history OP should be able to negotiate the AF removal or fee waiver for at least a year, then can work on getting it upgraded to a QS with no fee..

Edit: DIdnt see Justagirls mention of the fee waiver... my bad.. but thats where id go with this...

And as others have said.. Dont close them, prep them for combining.... there are other threads about how this is done when eligible...

Have you gotten any CLI increases in the past 6-12 months? If your scores really are in the mid 700s...

You could try to prequalify for another COne card... see if the offer is better than what you have now, apr, terms, etc)... Hopefully a Quicksilver (which has No AF)....

Take the HPs and get the card...

Then merge them all on to the best card.. depending on the direction of movement, might not be able to do it for a bit...

After they are merged, then close...

Part of me wonders if those cards are sort of "stuck" ...

-J

Re: Capitl one Quicksilver One vs Quicksilver

Anonymous — Mon, 20 Feb 2017 22:58:05 GMT

Good advice!

I find myself in the same bind. In April I would have had a year with my QS1 but I don't want to pay the fee. I would close the card since I don't really need it, but it's my first card. Upgraded from a CapOne Platinum. If I don't get it upgraded or to a QS or have the fee waived I might go this route. My scores are in the 730-740 range so I hope things work out.