topic Re: Possible to Remove Quicksilver MasterCard AF? in Credit Cards

Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 17:06:01 GMT

It's only $19.00 per year but is it possible to remove it permanently? I also have a Quicksilver Visa but I don't want to merge them since that means I would have one less account.

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 17:09:31 GMT

@Anonymous wrote:
It's only $19.00 per year but is it possible to remove it permanently? I also have a Quicksilver Visa but I don't want to merge them since that means I would have one less account.

Yes it's possible. You can either close the card or ask Capital One to waive it. Please don't annoy the EO about $19 though. Please.

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 17:29:06 GMT

It's possible, but I did it through EO, as I was asking for several things at once.

Re: Possible to Remove Quicksilver MasterCard AF?

willwar14 — Thu, 08 Oct 2015 17:27:38 GMT

I got my AF waived via a frontline CSR.

Re: Possible to Remove Quicksilver MasterCard AF?

ddemari — Thu, 08 Oct 2015 17:33:07 GMT

I was able to get AF waived on card that is 3 years old recently by calling number on back of card

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 17:42:27 GMT

@ddemari wrote:
I was able to get AF waived on card that is 3 years old recently by calling number on back of card

Do they ask you for a reason why you want the AF waived? Or does the conversation go something like this:

Customer: "I would like to have my AF waived please."

Rep: "Sure, I will waive your AF. Is there anything else I can help you with?"

Customer: "No thank you."

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 18:08:31 GMT

I got my AF waived by the EO. Mine was the QS1 and was $39. I had emailed the ceo about another issue and the eo office called me and in the process of that call I asked about getting it waived. I've only had it since June so doesn't seem that hard to get removed.

Re: Possible to Remove Quicksilver MasterCard AF?

galahad15 — Thu, 08 Oct 2015 18:55:07 GMT

I was able to get my $59 AF perma-waived through the Cap1 EO after about 3 years on my Cap1 No Hassle Miles MC, although it almost seemed as though I had to jump through some hoops to do so, lol -- they originally didn't want to budge, but eventually acceeded to my request Although this was also before Cap1 had discontinued direct access to the EO line, so YMMV since not sure if the current EO works the same way as it did when I made my request earlier this year?

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 18:45:18 GMT

It's possible, but that would depend on Cap 1. Is it a regular QS MC or QS1? If it's a QS1, they may be willing to upgrade you to a QS without an annual fee. If it's a regular QS then speak with CS via chat or call and ask if it can be removed. There are some success stories of accountholders permanently removing the annual fee. If this is unsuccessful, you may have to cimbine to get rid of it. Good luck!

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 18:52:47 GMT

@beautifulblaquepearl wrote:
Is it a regular QS MC or QS1? If it's a QS1, they may be willing to upgrade you to a QS without an annual fee.

Thanks for reminding me that it is a Quicksilver One MasterCard. I'll just request for an upgrade to a regular Quicksilver One Mastercard when the time is near.

Do they even have a regular Quicksilver MasterCard without the "One"?

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 18:53:01 GMT

@Anonymous wrote:
@beautifulblaquepearl wrote:
Is it a regular QS MC or QS1? If it's a QS1, they may be willing to upgrade you to a QS without an annual fee.
Thanks for reminding me that it is a Quicksilver One MasterCard. I'll just request for an upgrade to a regular Quicksilver One Mastercard when the time is near.

You're welcome. You want to upgrade it to a regular QS. Don't ask for another QS1. Also, check your account because there could be an upgrade offer available for it online.

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 18:53:08 GMT

I have an old QS1 Visa (everyone here seems to have MC) and they always tell me there are no offers available. It's my oldest card so I don't want to close it, but geez...

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 18:55:46 GMT

@Anonymous wrote:
@beautifulblaquepearl wrote:
Is it a regular QS MC or QS1? If it's a QS1, they may be willing to upgrade you to a QS without an annual fee.
Thanks for reminding me that it is a Quicksilver One MasterCard. I'll just request for an upgrade to a regular Quicksilver One Mastercard when the time is near.

Do they even have a regular Quicksilver MasterCard without the "One"?

Yes. They offer a regular QS MC. I have one which was upgraded from the QS1.

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 19:08:53 GMT

@beautifulblaquepearl wrote:
@Anonymous wrote:
@beautifulblaquepearl wrote:
Is it a regular QS MC or QS1? If it's a QS1, they may be willing to upgrade you to a QS without an annual fee.
Thanks for reminding me that it is a Quicksilver One MasterCard. I'll just request for an upgrade to a regular Quicksilver One Mastercard when the time is near.

You're welcome. You want to upgrade it to a regular QS. Don't ask for another QS1. Also, check your account because there could be an upgrade offer available for it online.

I don't see a Quicksilver MasterCard application though. The only card that appears in the search engine is the Quicksilver One Mastercard. I had PC'd a Capital One Platinum card MC ($19 AF; no cash back rewards) through an online rep; he upgraded it to the Quicksilver One Mastercard. I asked him that I didn't want an annual fee but he declined. This occurred a month ago.

[edited] Okay, a regular QS MC; I guess next time I'll be more persistent with online chat.

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 19:01:56 GMT

@Anonymous wrote:
I have an old QS1 Visa (everyone here seems to have MC) and they always tell me there are no offers available. It's my oldest card so I don't want to close it, but geez...

I had the same problem with them. You could always apply for another product, wait the 6 months, and combine the two.

I closed my account because I couldn't get them to remove the $5 monthly fee. Of course, this was before we could combine accounts. Best of luck!

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 19:09:37 GMT

@beautifulblaquepearl wrote:
@Anonymous wrote:
I have an old QS1 Visa (everyone here seems to have MC) and they always tell me there are no offers available. It's my oldest card so I don't want to close it, but geez...
I had the same problem with them. You could always apply for another product, wait the 6 months, and combine the two.

I closed my account because I couldn't get them to remove the $5 monthly fee. Of course, this was before we could combine accounts. Best of luck!

I'm certain I'd be approved for an extremely high limit no AF card now, but if I combined wouldn't I lose the date of my old card? If there is a way to keep my original card date I'd be ecstatic. I've got the HSBC/Orchard card if that makes a difference. Company was purchased by Cap1.

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 19:12:09 GMT

@Anonymous wrote:
@beautifulblaquepearl wrote:
@Anonymous wrote:
@beautifulblaquepearl wrote:
Is it a regular QS MC or QS1? If it's a QS1, they may be willing to upgrade you to a QS without an annual fee.
Thanks for reminding me that it is a Quicksilver One MasterCard. I'll just request for an upgrade to a regular Quicksilver One Mastercard when the time is near.

You're welcome. You want to upgrade it to a regular QS. Don't ask for another QS1. Also, check your account because there could be an upgrade offer available for it online.
I don't see a Quicksilver MasterCard application though. The only card that appears in the search engine is the Quicksilver One Mastercard. I had PC'd a Capital One Platinum card ($19 AF; no cash back rewards) through an online rep; he upgraded it to the Quicksilver One Mastercard. I asked him that I didn't want an annual fee but he declined. This occurred a month ago.

[edited] Okay, a regular QS MC; I guess next time I'll be more persistent with online chat.

Interesting... I just checked too and I don't see it. Honestly, I can't remember if there was ever an application for it. If someone else remembers please chime in. However, I know beyond a shadow of doubt that said card did exist because I own one.

If you can't get Cap1 to permanently remove the annual fee you have to 2 choices (1) close the account or (2) combine the limit with your other Cap1 credit card.

SN: I don't know how to black out information and add pictures to the forum. If I did, I would take a picture of my card. Best of luck!

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 19:39:02 GMT

@Anonymous wrote:
@beautifulblaquepearl wrote:
@Anonymous wrote:
I have an old QS1 Visa (everyone here seems to have MC) and they always tell me there are no offers available. It's my oldest card so I don't want to close it, but geez...
I had the same problem with them. You could always apply for another product, wait the 6 months, and combine the two.

I closed my account because I couldn't get them to remove the $5 monthly fee. Of course, this was before we could combine accounts. Best of luck!
I'm certain I'd be approved for an extremely high limit no AF card now, but if I combined wouldn't I lose the date of my old card? If there is a way to keep my original card date I'd be ecstatic. I've got the HSBC/Orchard card if that makes a difference. Company was purchased by Cap1.

Yes. You would lose the original start date because I'm assuming your reason for the combo would be to get rid of the annual fee.

The only person that can decide if paying an annual fee is worth not closing your oldest account is you. My credit profile supported it. Honestly, even if my profile had not supported it, I still would have closed the account. I tried several times (over the span of 2 years) to get them to remove the monthly fee. Cap1 would not budge on the issue. They kept telling me to apply for another product and close the original account. I closed my account and did not apply for another product. I even told the rep to remove me from their solicitation list. I haven't received any mail from Cap1 since.

You have to weigh the pros and cons for yourself. Cap1 has some products that won't upgrade. Maybe yours is one of them. I don't remember a QS1 visa, but prior to last year I didn't know a lot about credit either. I had been gardening and didn't know it. Best of luck!

SN: I allow my dollars to speak for me. If it's not important for a company to keep my business, I move on.

Re: Possible to Remove Quicksilver MasterCard AF?

Anonymous — Thu, 08 Oct 2015 19:40:59 GMT

@beautifulblaquepearl wrote:
@Anonymous wrote:
@beautifulblaquepearl wrote:
@Anonymous wrote:
I have an old QS1 Visa (everyone here seems to have MC) and they always tell me there are no offers available. It's my oldest card so I don't want to close it, but geez...
I had the same problem with them. You could always apply for another product, wait the 6 months, and combine the two.

I closed my account because I couldn't get them to remove the $5 monthly fee. Of course, this was before we could combine accounts. Best of luck!
I'm certain I'd be approved for an extremely high limit no AF card now, but if I combined wouldn't I lose the date of my old card? If there is a way to keep my original card date I'd be ecstatic. I've got the HSBC/Orchard card if that makes a difference. Company was purchased by Cap1.
Yes. You would lose the original start date because I'm assuming your reason for the combo would be to get rid of the annual fee.

The only person that can decide if paying an annual fee is worth not closing your oldest account is you. My credit profile supported it. Honestly, even if my profile had not supported it, I still would have closed the account. I tried several times to get them to remove the monthly fee. Cap1 would not budge on the issue. They kept telling me to apply for another product and close the original account. I chose to close the account and not to apply for another product. I even told the rep to remove me from their solicitation list. I haven't received any mail from Cap1 since.

You have to way the pros and cons for yourself. Cap1 has some products that won't upgrade. Maybe yours is one of them. I don't remember a QS1 visa, but prior to last year I didn't know a lot about credit either. I had been gardening and didn't know it. Best of luck!

Thanks for your input. I'll see if I can get the fee waived next year and then decide. I was also suggested to app for another card. I know I can get another Cap1 product, but like you the whole thing kind of turns me off to them. If they could explain why perhaps it wouldn't seem so bad. The card is in the SD for now. It's serving a purpose for my daughter who I added as an AU to help boost her scores.

Re: Possible to Remove Quicksilver MasterCard AF?

CH-7-Mission-Accomplished — Thu, 08 Oct 2015 20:30:41 GMT

@Anonymous wrote:
@beautifulblaquepearl wrote:
Is it a regular QS MC or QS1? If it's a QS1, they may be willing to upgrade you to a QS without an annual fee.
Thanks for reminding me that it is a Quicksilver One MasterCard. I'll just request for an upgrade to a regular Quicksilver One Mastercard when the time is near.

Do they even have a regular Quicksilver MasterCard without the "One"?

Just go onto chat and ask them to permanently remove the fee. I had a QS 1 and asked at 6 months and did agreed to no more fee. They do not issue you a different card, they just waive the fee for good. I can't remember if one is a MC and one is a VIsa, I forget, but they do not have to issue a new card or change to QS regular.