topic Re: QS or QS1??? in Credit Cards

QS or QS1???

Anonymous — Thu, 01 Oct 2015 22:56:06 GMT

I just received my QS card a couple of days ago. When I look online at my account it says visa platinum. I'm getting cash rewards but I called them to ask about the $100 for spending $500 in the first three months. They said I didn't have this benefit. I asked why and they didn't have a real answer as this is not a QS1 card. So I didn't qualify for the benefits so why give me the card? They said they were going to escalate to find out why.

On a good note, I found out my cash rewards amex through my credit union (Elan Fin.) is a signature card! The rep told me and I had no idea! Anyone have any thoughts about the Cap1 QS?

Re: QS or QS1???

Anonymous — Thu, 01 Oct 2015 23:00:57 GMT

@Anonymous wrote:
I just received my QS card a couple of days ago. When I look online at my account it says visa platinum. I'm getting cash rewards but I called them to ask about the $100 for spending $500 in the first three months. They said I didn't have this benefit. I asked why and they didn't have a real answer as this is not a QS1 card. So I didn't qualify for the benefits so why give me the card? They said they were going to escalate to find out why.

On a good note, I found out my cash rewards amex through my credit union (Elan Fin.) is a signature card! The rep told me and I had no idea! Anyone have any thoughts about the Cap1 QS?

I also product changed my Cap one Journey to a QS.

I called the "rewards department" and asked about receiving the $100 dollar bonus. They said they would look into it.

A couple days later, it was in my account.

Re: QS or QS1???

Anonymous — Thu, 01 Oct 2015 23:07:09 GMT

Thanks for the response although I didn't do a PC as it's a brand new account. I'm confused as to why it doesn't have the benefits advertised and why they didn't bother telling me.

Re: QS or QS1???

Anonymous — Thu, 01 Oct 2015 23:07:59 GMT

You may have encountered a Cap One CSR who had no idea what they were talking about. It doesn't matter that it's a Platinum, that just means that the credit line is less than $5K. Mine is a Platinum, started at $3K, and I got the spend bonus. Oh, and there's no such thing as an Amex Signature card. That designation is specific to Visa.

Re: QS or QS1???

Anonymous — Thu, 01 Oct 2015 23:13:34 GMT

The signature is what another rep told me from the Elan cust svc. lol. She also told me I didn't have a real limit. I guess we can't trust anyone!

Re: QS or QS1???

Anonymous — Thu, 01 Oct 2015 23:24:25 GMT

@Anonymous wrote:
The signature is what another rep told me from the Elan cust svc. lol. She also told me I didn't have a real limit. I guess we can't trust anyone!

The second part may be true. It's called flexible spending and many cards, regardless of label, come with that feature. With Visa it has to be a Signature and with Mastercard it has to be World or World Elite.

Re: QS or QS1???

Anonymous — Thu, 01 Oct 2015 23:28:06 GMT

I guess they called it a revolving limit but that I could go over. I'm still wondering though if anyone has some insight to my QS issue.

Re: QS or QS1???

kdm31091 — Thu, 01 Oct 2015 23:30:54 GMT

Go to your rewards info page. It will say "earn 1.5% on all purchases", below that, if your account has the bonus added, it will say "earn $100 after spending $500" or some such.

If it doesn't say it, it's not on your account and you can call and ask why, but dealing with Capital One is usually a PITA unfortunately

Re: QS or QS1???

UncleB — Fri, 02 Oct 2015 04:02:40 GMT

On my own Quicksilver QS Visa, once I met the spend they were really quick to pay the bonus, so before you go to too much trouble I would make sure you weren't going to get it anyway.

If you make spend (or already have) and didn't/don't get the bonus, you'll need to give them a call. I was lucky enough to get somebody in rewards once by accident, and even though that's not what my issue was she was extremely pleasant to deal with, and genuinely tried to help me, so if possible try to get somebody there, especially since your issue is regarding rewards.

As a note, I think the rewards folks are U.S. based (East Coast), so if it were me I would do my calling during the weekday, and earlier in the day if possible. In my own experience, the off-hours CSRs aren't quite as efficient as the ones I've talked to during the day (specifically during the week). Of course this is YMMV, but it's worked for me so far.

Re: QS or QS1???

Anonymous — Fri, 02 Oct 2015 07:22:56 GMT

This is correct. They are on the east.

Rewards center: 1-800-228-3001

Re: QS or QS1???

Anonymous — Fri, 02 Oct 2015 09:43:32 GMT

@Anonymous wrote:
@Anonymous wrote:
I just received my QS card a couple of days ago. When I look online at my account it says visa platinum. I'm getting cash rewards but I called them to ask about the $100 for spending $500 in the first three months. They said I didn't have this benefit. I asked why and they didn't have a real answer as this is not a QS1 card. So I didn't qualify for the benefits so why give me the card? They said they were going to escalate to find out why.

On a good note, I found out my cash rewards amex through my credit union (Elan Fin.) is a signature card! The rep told me and I had no idea! Anyone have any thoughts about the Cap1 QS?
I also product changed my Cap one Journey to a QS.

I called the "rewards department" and asked about receiving the $100 dollar bonus. They said they would look into it.

A couple days later, it was in my account.

Does the Capital One "rewards department" have a direct phone number? I PC'ed from QS1 to Qs and did not receive the bonus.

Re: QS or QS1???

Anonymous — Fri, 02 Oct 2015 09:44:26 GMT

@Anonymous wrote:
This is correct. They are on the east.

Rewards center: 1-800-228-3001

Just saw that. Thanks

Re: QS or QS1???

Anonymous — Fri, 02 Oct 2015 11:04:52 GMT

@Anonymous wrote:
You may have encountered a Cap One CSR who had no idea what they were talking about. It doesn't matter that it's a Platinum, that just means that the credit line is less than $5K. Mine is a Platinum, started at $3K, and I got the spend bonus. Oh, and there's no such thing as an Amex Signature card. That designation is specific to Visa.

Doesn't even mean that about CL. My Cap One card started at $30K, is now $35K and is still Plat (whereas my other card with a lower limit is a Sig)

Re: QS or QS1???

Anonymous — Fri, 02 Oct 2015 14:00:26 GMT

I called the Rewards number this morning and the rep said she did not show the bonus on my account and does not know why. She also said that I may not have been approved for it. This case has been sent to the "back" dept (mgrs I guess) to be reviewed and will receive a call back in 4-5 days.

Re: QS or QS1???

Anonymous — Fri, 02 Oct 2015 15:35:55 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I just received my QS card a couple of days ago. When I look online at my account it says visa platinum. I'm getting cash rewards but I called them to ask about the $100 for spending $500 in the first three months. They said I didn't have this benefit. I asked why and they didn't have a real answer as this is not a QS1 card. So I didn't qualify for the benefits so why give me the card? They said they were going to escalate to find out why.

On a good note, I found out my cash rewards amex through my credit union (Elan Fin.) is a signature card! The rep told me and I had no idea! Anyone have any thoughts about the Cap1 QS?
I also product changed my Cap one Journey to a QS.

I called the "rewards department" and asked about receiving the $100 dollar bonus. They said they would look into it.

A couple days later, it was in my account.
Does the Capital One "rewards department" have a direct phone number? I PC'ed from QS1 to Qs and did not receive the bonus.

A PC is not eligible. The spend bonus is only available for new apps.

Re: QS or QS1???

Anonymous — Fri, 02 Oct 2015 16:11:13 GMT

@Anonymous wrote:
I just received my QS card a couple of days ago. When I look online at my account it says visa platinum. I'm getting cash rewards but I called them to ask about the $100 for spending $500 in the first three months. They said I didn't have this benefit. I asked why and they didn't have a real answer as this is not a QS1 card. So I didn't qualify for the benefits so why give me the card? They said they were going to escalate to find out why.

On a good note, I found out my cash rewards amex through my credit union (Elan Fin.) is a signature card! The rep told me and I had no idea! Anyone have any thoughts about the Cap1 QS?

Interesting situation... I hope you get the issue gets resolved. Please let us know the outcome. Thanks for sharing your story.

Re: QS or QS1???

Anonymous — Fri, 02 Oct 2015 19:54:22 GMT

Hey Slipper!

I am facing the same issue as yourself and am curious to here what Cap1 states when you call them please keep us up to date!

Re: QS or QS1???

Anonymous — Fri, 02 Oct 2015 20:02:31 GMT

@Anonymous wrote:
Hey Slipper!

I am facing the same issue as yourself and am curious to here what Cap1 states when you call them please keep us up to date!

I'm on the phone this moment! Cross your fingers!!!!!!!!!

Re: QS or QS1???

Anonymous — Fri, 02 Oct 2015 20:15:40 GMT

Prayers sent up!

Re: QS or QS1???

Anonymous — Fri, 02 Oct 2015 20:24:22 GMT

@Anonymous wrote:
Hey Slipper!

I am facing the same issue as yourself and am curious to here what Cap1 states when you call them please keep us up to date!

Just got off the phone with the kind representative. She did immediately state that this bonus was only for new applicants but said she would submit the case and i should receive a response in no longer than 4-5 business days. I simply stated my case in a very polite manner:

1) I didn't know there were two different cards and both cards are named very similarly; Quicksilver and QuicksilverOne, and had i known i would've applied for the Quicksilver. and

2) I put $30k+ in spend thru the card in the first 5 months, when i PC'ed to QS and was initially denied by the CSR the $100 bonus (but it was never escalated), i immediately stopped using the card. To regain my loyalty, i would need the bonus.