topic Re: Capital One Quicksilver and Mastercard cards.... in Credit Cards

Capital One Quicksilver and Mastercard cards....

Anonymous — Wed, 08 Apr 2015 15:39:22 GMT

Ok, I need to hear all the good and the bad with both cards. I was on the fence with getting credit cards through Capital One again becuase eons ago their customer service was not so great and they would not work with me during hard times. But so far it seems things have changed and I hope so.

I would like to read everyone's experience with them, please!

Re: Capital One Quicksilver and Mastercard cards....

black_citi — Wed, 08 Apr 2015 16:12:04 GMT

I have both the MC and Visa versions. The MC I've had since Nov 2014. It started with a 2k limit. $39 AF. They gave me an ADDITIONAL 2k limit so now I'm up to 4k (in only 5 months. Still shocked and it was an AUTO increase). I tried to have the $39 fee waived permanently through their chat but they said its in my terms and aggrement so they can't remove it. Others seem to have had success in removing their fee. I am still going to keep the card. It has 1.5% cash back which reports in a few days which I love. You can use that money anytime you want. They can do a statement credit or give you a check sent through the mail. The card looks cheap. The numbers and your name are etched on, not stamped like most cards and mines don't have an emv chip.

My Visa version is similar except it has the chip and your name and credit numbers are stamped into the card. Personally I think the Visa version looks better. There also is no AF so that's nice. My starting limit is 3k and I've only had the card 2 weeks. If you get approved 5k or above the card will be a visa signature. Oh I also get a $100 cash back if I spend $500 in the first 3 months.

I never had any issues with cap1. I've been on and off with them since 2006 but I'm here to stay now. I don't call them much but when I do their customer service is pretty good to me. That's really all I can say about the qs cards personally. YMMV.

Re: Capital One Quicksilver and Mastercard cards....

KellyP25721 — Wed, 08 Apr 2015 16:09:16 GMT

He's right though, there are a lot of opinions on these forums regarding Capital One, but I can tell you they have been very good to me. Started out with a credit steps platinum card two years ago with a $300CL. Have upgraded that to a $4K QS1 with the AF permanently waived in 18 months. Also have a 2nd QS1 with them that started with a $2K limit that has been upgraded to a $6K QS WMC in a year. With Capital One, the EO is your friend...don't be afraid to email them!

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Wed, 08 Apr 2015 16:14:39 GMT

Why not cancel the MC if you have the Visa version with no AF.

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Wed, 08 Apr 2015 16:19:21 GMT

@Anonymous wrote:
Why not cancel the MC if you have the Visa version with no AF.

This seems like a good idea.

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Wed, 08 Apr 2015 16:19:34 GMT

@Anonymous wrote:
Why not cancel the MC if you have the Visa version with no AF.

That's what I'm about to do, Nixon.

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Wed, 08 Apr 2015 16:21:15 GMT

Yeah. You are just throwing away rewards.

I know what it's like. I once clung to the idea that I could make my QSs grow. Fat chance.

Only one I have left is my WMC.

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Wed, 08 Apr 2015 16:36:04 GMT

@Anonymous wrote:
Yeah. You are just throwing away rewards.

I know what it's like. I once clung to the idea that I could make my QSs grow. Fat chance.

Only one I have left is my WMC.

Yes, I was looking over my spreadsheet of expenses for the last year and I wanted to create a plan for the best way to use the cards I have. I don't have many, just 5 of them which now about to be 4. I don't need anymore. MY goal was to spread out my monthly expenses on the cards and do automatic PIF for the next year in hopes of showing good history and score increase. The only issue now are the low limits which I understand why, but it seems that BoA will be the one card that won't be as easy to have them increase limit. My expenses are well above what CLs I have. The cash rewards for the Freedom card seem to be a bit more work, although 5% is nice. The cash rewards for. BoA are quick and easy to acces...not worrying about remembering to activate. The only thing I'm not familiar with are the Capital One cards.

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Wed, 08 Apr 2015 16:37:02 GMT

@black_citi wrote:
I have both the MC and Visa versions. The MC I've had since Nov 2014. It started with a 2k limit. $39 AF. They gave me an ADDITIONAL 2k limit so now I'm up to 4k (in only 5 months. Still shocked and it was an AUTO increase). I tried to have the $39 fee waived permanently through their chat but they said its in my terms and aggrement so they can't remove it. Others seem to have had success in removing their fee. I am still going to keep the card. It has 1.5% cash back which reports in a few days which I love. You can use that money anytime you want. They can do a statement credit or give you a check sent through the mail. The card looks cheap. The numbers and your name are etched on, not stamped like most cards and mines don't have an emv chip.

My Visa version is similar except it has the chip and your name and credit numbers are stamped into the card. Personally I think the Visa version looks better. There also is no AF so that's nice. My starting limit is 3k and I've only had the card 2 weeks. If you get approved 5k or above the card will be a visa signature. Oh I also get a $100 cash back if I spend $500 in the first 3 months.

I never had any issues with cap1. I've been on and off with them since 2006 but I'm here to stay now. I don't call them much but when I do their customer service is pretty good to me. That's really all I can say about the qs cards personally. YMMV.

This is all good info, thank you, black_citi

Re: Capital One Quicksilver and Mastercard cards....

black_citi — Wed, 08 Apr 2015 16:51:07 GMT

@Anonymous wrote:
Why not cancel the MC if you have the Visa version with no AF.

I think I might but cap1 just auto increased my limit from 2k to 4k in just 5 months! That is unheard of from a company like them lol. I really don't want to loose the limit especially since I have no major credit card high limits except from cap1. My dcu card, although 10k, doesn't really count from what I heard. The next $39 fee isn't due until Nov so I have some time to think about it.

Re: Capital One Quicksilver and Mastercard cards....

black_citi — Wed, 08 Apr 2015 16:58:10 GMT

There are 2 other cards I am eyeing but I only want one. Both are from chase. CSP and Marriott rewards. I figure if I can get higher limits from a mojor creditor, I hope to get at least 5k for either the csp or marriott.

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Wed, 08 Apr 2015 17:19:51 GMT

@black_citi wrote:
@Anonymous wrote:
Why not cancel the MC if you have the Visa version with no AF.
I think I might but cap1 just auto increased my limit from 2k to 4k in just 5 months! That is unheard of from a company like them lol. I really don't want to loose the limit especially since I have no major credit card high limits except from cap1. My dcu card, although 10k, doesn't really count from what I heard. The next $39 fee isn't due until Nov so I have some time to think about it.

Yeah, don't bow to the pressure!

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Wed, 08 Apr 2015 17:26:42 GMT

@Anonymous wrote:

Just write a macro,

not a bad idea..haha

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Wed, 08 Apr 2015 17:33:37 GMT

At least keep bugging them about a PC.

If they still refuse then tell them where they can put their card.

Re: Capital One Quicksilver and Mastercard cards....

black_citi — Wed, 08 Apr 2015 17:55:56 GMT

@Anonymous wrote:
At least keep bugging them about a PC.

If they still refuse then tell them where they can put their card.

Could I PC to the venture? My scores have dropped. My EQ score is 685. EX was 677 and my TU score might be around 650ish. I did prequal for the venture (the one with the 59 AF) about 2 weeks ago but I took the QS visa instead like an idiot. I could have waited on the QS visa.

Re: Capital One Quicksilver and Mastercard cards....

KellyP25721 — Wed, 08 Apr 2015 17:58:34 GMT

You probably can PC it, but you would give up the sign-up bonus. The Visa also has better, IMHO, rewards at 1.5%.

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Wed, 08 Apr 2015 17:59:21 GMT

@Anonymous wrote:
At least keep bugging them about a PC.

If they still refuse then tell them where they can put their card.

This sounds like the correct approach.

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Thu, 09 Apr 2015 00:53:23 GMT

I just removed a post that was absolutely unnecessary and added nothing to the discussion.

If anyone finds it "tedious" to respond to a question then my suggestion is to move along to the next thread and keep your comments to yourself.

Disrespectful posts will not be tolerated.

Re: Capital One Quicksilver and Mastercard cards....

Anonymous — Thu, 09 Apr 2015 03:07:34 GMT

What's disrespectful about that? Thanks for morphing into the same thing Flyertalk has become. 80% of the posts on this board don't add anything, it's either repetition of existing answers or "congrats". What's the value in that?

Re: Capital One Quicksilver and Mastercard cards....

Imperfectfuture — Thu, 09 Apr 2015 05:35:12 GMT

@Anonymous wrote:
What's disrespectful about that? Thanks for morphing into the same thing Flyertalk has become. 80% of the posts on this board don't add anything, it's either repetition of existing answers or "congrats". What's the value in that?

Disrespect doesn't add anything. Don't care if you dislike the direction of the boards. There are blogs out there to post frustration and angst.