topic Re: 710 score enough for Quicksilver? in Credit Card Applications

710 score enough for Quicksilver?

Anonymous — Mon, 10 Jun 2019 03:18:15 GMT

I mean the real quicksilver not the quicksilver one.( im pre qualified for the one and the platinum but not for the "normal quicksilver".)

1 credit card only, 16months old. BOA cash rewards 6000 limit

3 HP in the last 12 months.

no badies

utilization under 9%

fico score transunion 710

90k income

Re: 710 score enough for Quicksilver?

Anonymous — Mon, 10 Jun 2019 03:14:57 GMT

Yes! I got a Quick Silver One card with a credit score in the low 600's so with your scores you should'nt have a issue

Re: 710 score enough for Quicksilver?

Zander900 — Mon, 10 Jun 2019 03:19:12 GMT

you should be good to go with your score

Re: 710 score enough for Quicksilver?

Anonymous — Mon, 10 Jun 2019 03:22:42 GMT

If you’re not prequalified for it, I wouldn’t app for it. Three HPs is a lot to throw away when you can pick up the AMEX Cash Magnet or the PayPal Cashback for one HP and they both grow fast while Capital One can be stuck for a long time.

Re: 710 score enough for Quicksilver?

Brian_Earl_Spilner — Mon, 10 Jun 2019 03:36:20 GMT

You can get a platinum and product change it to a Quicksilver in 3-4 months, which is what I did. My wife chose to PC to the Venture One.

Re: 710 score enough for Quicksilver?

Anonymous — Mon, 10 Jun 2019 04:20:46 GMT

@Anonymous wrote:
I mean the real quicksilver not the quicksilver one.( im pre qualified for the one and the platinum but not for the "normal quicksilver".)

1 credit card only, 16months old. BOA cash rewards 6000 limit
3 HP in the last 12 months.
no badies
utilization under 9%
fico score transunion 710
90k income

I believe 710 is a good enough score for the regular (no annual fee) Quicksilver. However, Cap 1 will do a HP on all three credit bureaus. What are your scores and inquiries looking like on those as well?

Also, as someone mentioned for better rewards you may consider taking a look at the Paypal 2% Mastercard by Synchrony bank. This trumps the 1.5% on the Quicksilver and Synch is a TU puller and 710 is a good score for them.

Re: 710 score enough for Quicksilver?

Shooting-For-800 — Mon, 10 Jun 2019 12:14:10 GMT

I got $10k QS before I hit 700.

Check prequal for VENTURE.

If prequaled for Venture (not Venture one) you should get a nice SL on QS.

Re: 710 score enough for Quicksilver?

pinkandgrey — Mon, 10 Jun 2019 14:12:51 GMT

I would be kind of surprised if you didn’t get it. You may not get a great SL, though. But if you really want and can use the card, go ahead. It might grow for you.

Good luck!

Re: 710 score enough for Quicksilver?

CreditJourney007 — Mon, 10 Jun 2019 15:05:26 GMT

Did you choose your credit rating as excellent versus average? That sometimes changes what you pre-qual for.

Re: 710 score enough for Quicksilver?

Anonymous — Mon, 10 Jun 2019 21:54:55 GMT

@Anonymous wrote:
If you’re not prequalified for it, I wouldn’t app for it. Three HPs is a lot to throw away when you can pick up the AMEX Cash Magnet or the PayPal Cashback for one HP and they both grow fast while Capital One can be stuck for a long time.

Very sound advice @Saeren Didnt realize I could could do PC with Cap1 early on, but started on Plat than QS1 and now Venture One....took 4 years and stuck at $4500 CL. To me having a Venture with a $95 AF is not worth it, after having the Venture One. So many other cards out there and this advice from @Saeren that could help you grow your credit profile better.

Re: 710 score enough for Quicksilver?

sjt — Mon, 10 Jun 2019 23:44:08 GMT

@Anonymous wrote:
I mean the real quicksilver not the quicksilver one.( im pre qualified for the one and the platinum but not for the "normal quicksilver".)

1 credit card only, 16months old. BOA cash rewards 6000 limit
3 HP in the last 12 months.
no badies
utilization under 9%
fico score transunion 710
90k income

You should be fine. Check out their pre-qual and see if anything shows up.

Re: 710 score enough for Quicksilver?

Hockeypnc1 — Wed, 12 Jun 2019 00:40:06 GMT

I would think even a 610 would be good enough for Cap1 Quicksilver.

Re: 710 score enough for Quicksilver?

Anonymous — Sun, 16 Jun 2019 03:10:45 GMT

ANSWER: More than enough!!!!!! lol You could get the Venture card that gives great cash back on hotels

Re: 710 score enough for Quicksilver?

gjean78 — Mon, 17 Jun 2019 17:39:50 GMT

710 is way more than enough to get a quicksilver. ther only negative is that cap1 HP all 3 credit bureaus .

Re: 710 score enough for Quicksilver?

Anonymous — Mon, 17 Jun 2019 19:52:35 GMT

Thanks for all the input folks!

my question is: if it´s that easy, why am i only pre aproved for the platinum and the QS one ?

also, is 710 enough for the PAYPAL cashback?

maybe i will go for the paypal first, or both at the same time? whats your advice?

Re: 710 score enough for Quicksilver?

DebtJoe — Tue, 18 Jun 2019 01:45:21 GMT

@Hockeypnc1 wrote:
I would think even a 610 would be good enough for Cap1 Quicksilver.

Pretty sure OP is looking to apply for the Prime version of the Quicksilver, not the noob Quicksilver One like I have. A 610 would get you laughed at by Cap 1.

Re: 710 score enough for Quicksilver?

Anonymous — Tue, 18 Jun 2019 19:54:40 GMT

How do you go about doing that? I have had my Cap 1 platinum for almost 3 years now. It is all paid off so there's a zero balance. Am I able to convert over to Quicksilver? 🤔

Re: 710 score enough for Quicksilver?

sjt — Tue, 18 Jun 2019 19:57:50 GMT

@Anonymous wrote:
Thanks for all the input folks!

my question is: if it´s that easy, why am i only pre aproved for the platinum and the QS one ?

also, is 710 enough for the PAYPAL cashback?

maybe i will go for the paypal first, or both at the same time? whats your advice?

First, most creditors look beyond a credit score. Most have their own internal scoring system that looks into utilization, payment history, length of credit history.
Apply for the card that will give you the most benefit.

Re: 710 score enough for Quicksilver?

Remedios — Tue, 18 Jun 2019 20:11:40 GMT

@Anonymous wrote:
How do you go about doing that? I have had my Cap 1 platinum for almost 3 years now. It is all paid off so there's a zero balance. Am I able to convert over to Quicksilver? 🤔

@Anonymous try this link for upgrade

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade

Re: 710 score enough for Quicksilver?

Anonymous — Tue, 18 Jun 2019 21:02:30 GMT

Thank you so much for the link. There was a Quicksilver upgrade button waiting there for me. Everything from my platinum card is switching over to the Quicksilver card 😁