topic Re: Quicksilver vs Quicksilver One in Credit Cards

Quicksilver vs Quicksilver One

Anonymous — Fri, 12 Jun 2015 16:23:06 GMT

The cards look identical. I had to hunt around to even figure out that I have Quicksilver One, and not Quicksilver.
Applied for Quicksilver and was denied....I'm guessing it requires a higher score? My current C1 cards (2 at 2k each) are sitting empty...not sure if that has an effect or not...

Re: Quicksilver vs Quicksilver One

Anonymous — Fri, 12 Jun 2015 16:27:14 GMT

QS One is the QS card with an annual Fee. QS is a solid card. QS One is a solid starter card.

Re: Quicksilver vs Quicksilver One

Indycoltsfan — Fri, 12 Jun 2015 16:31:59 GMT

The Quicksilver One is for average credit and the Quicksilver is for those with good-excellent credit.

Re: Quicksilver vs Quicksilver One

MissMoni223 — Fri, 12 Jun 2015 16:53:29 GMT

If your Cap1 Platinum card is older than 6 months, call the EO and request a PC to a QuickSilver. Your QS1 is also able to PC to a QS after 6 months.

Re: Quicksilver vs Quicksilver One

Anonymous — Fri, 12 Jun 2015 17:06:29 GMT

Good idea, thanks!

Re: Quicksilver vs Quicksilver One

itswhatilivefor — Fri, 12 Jun 2015 17:14:11 GMT

Is it confirmed that the ONLY difference between the two cards is the annual fee?

Also, is it ever possible to convert to the QS1 to the QS?

Re: Quicksilver vs Quicksilver One

Anonymous — Fri, 12 Jun 2015 20:06:11 GMT

The only difference is the annual fee, they both get 1.5% cashback.

Yes, you can convert your QS1 to a QS!

Re: Quicksilver vs Quicksilver One

Anonymous — Fri, 12 Jun 2015 23:22:18 GMT

i have seen a few times on credit karma a capital one qs not the qs one, with no AF for good not excellent credit.... I dunno... I had scores around 600 and got the qs visa no af 0apr for 10 months....but the interest on that puppy is 22.9% after. There is def a lot of disambiguation here with capital one.

Re: Quicksilver vs Quicksilver One

MissCredit9 — Fri, 12 Jun 2015 23:28:39 GMT

@Anonymous wrote:
The cards look identical. I had to hunt around to even figure out that I have Quicksilver One, and not Quicksilver.
Applied for Quicksilver and was denied....I'm guessing it requires a higher score? My current C1 cards (2 at 2k each) are sitting empty...not sure if that has an effect or not...

Quicksilver One comes as a MC while Quicksilver is a Visa. If you prefer one comapany over the other apply accordingly. Keep in mind if the Quicksilver one is converted to a Quicksilver without annual fee it will remain a Mastercard.

Re: Quicksilver vs Quicksilver One

Santi78342 — Fri, 12 Jun 2015 23:30:39 GMT

You also get the $100 signup bonus for spending $500 with the Quicksilver. You don't get that with the Quicksilver One.

Re: Quicksilver vs Quicksilver One

Anonymous — Sat, 13 Jun 2015 02:01:49 GMT

You don't have to wait 6 months to do a PC. I PC'd my platinum to a quicksilver after 2 months.

Re: Quicksilver vs Quicksilver One

Anonymous — Wed, 01 Jul 2015 00:58:30 GMT

Newbie here. What's a PC? Is there glossary on this site for.all the abbreviation meaning s? I can figure out some but

not others. Thank you

Re: Quicksilver vs Quicksilver One

taxi818 — Wed, 01 Jul 2015 01:14:50 GMT

@MissMoni223 wrote:
If your Cap1 Platinum card is older than 6 months, call the EO and request a PC to a QuickSilver. Your QS1 is also able to PC to a QS after 6 months.

This is true. but the Regular Qs must have a minimum of a 3K limit . as long as your limit is 3k. they will pc you to the regular no AF Quicksilver.

Re: Quicksilver vs Quicksilver One

Anonymous — Wed, 01 Jul 2015 01:24:17 GMT

@taxi818 wrote:
@MissMoni223 wrote:
If your Cap1 Platinum card is older than 6 months, call the EO and request a PC to a QuickSilver. Your QS1 is also able to PC to a QS after 6 months.
This is true. but the Regular Qs must have a minimum of a 3K limit . as long as your limit is 3k. they will pc you to the regular no AF Quicksilver.

Maybe thats how it is today....but I have the regular QS Visa and my initial limit was only $1000 in December. Was supposed to be $500 higher from credit steps after 5 timely payments...after I made about 30 payments, I requested a cli myself, got another 2k, then still got the credit steps. It is great to see they arent limiting my card to $3k like they used to do for people.

Re: Quicksilver vs Quicksilver One

taxi818 — Wed, 01 Jul 2015 01:30:23 GMT

@Anonymous wrote:
@taxi818 wrote:
@MissMoni223 wrote:
If your Cap1 Platinum card is older than 6 months, call the EO and request a PC to a QuickSilver. Your QS1 is also able to PC to a QS after 6 months.
This is true. but the Regular Qs must have a minimum of a 3K limit . as long as your limit is 3k. they will pc you to the regular no AF Quicksilver.
Maybe thats how it is today....but I have the regular QS Visa and my initial limit was only $1000 in December. Was supposed to be $500 higher from credit steps after 5 timely payments...after I made about 30 payments, I requested a cli myself, got another 2k, then still got the credit steps. It is great to see they arent limiting my card to $3k like they used to do for people.

Yes, If you started with Qs visa. you never had the QS1 that op is talking about. Which is a mastercard.

Even when you pc. it will remain a mastercard.

Example. Started QS1 $500 limit. -QS $3500 limit. No AF. - QS wmc. $5500 limit.

but if you started with Visa. there is nothing to pc to. except maybe a venture or

Venture one. but imo. The Quicksilver no AF is even better than the Venture. which is 2miles per dollar. But the Cash back out paces that. so i have both.

Re: Quicksilver vs Quicksilver One

Anonymous — Wed, 01 Jul 2015 01:38:48 GMT

@taxi818 wrote:
@MissMoni223 wrote:
If your Cap1 Platinum card is older than 6 months, call the EO and request a PC to a QuickSilver. Your QS1 is also able to PC to a QS after 6 months.
This is true. but the Regular Qs must have a minimum of a 3K limit . as long as your limit is 3k. they will pc you to the regular no AF Quicksilver.

DW had a Platinum PC to a QS that only had a $750 cl. She got on chat and requested a PC we were expecting QS1 but they told her she was eligible to get the QS with no AF. And yes it's still a mastercard.

Re: Quicksilver vs Quicksilver One

UncleB — Wed, 01 Jul 2015 04:23:05 GMT

@Anonymous wrote:
@taxi818 wrote:
@MissMoni223 wrote:
If your Cap1 Platinum card is older than 6 months, call the EO and request a PC to a QuickSilver. Your QS1 is also able to PC to a QS after 6 months.
This is true. but the Regular Qs must have a minimum of a 3K limit . as long as your limit is 3k. they will pc you to the regular no AF Quicksilver.
DW had a Platinum PC to a QS that only had a $750 cl. She got on chat and requested a PC we were expecting QS1 but they told her she was eligible to get the QS with no AF. And yes it's still a mastercard.

It seems the upgrade from a Platinum MC to a QuickSilver is pretty much a sure thing, however I have *both* a new QuickSilver Visa and an eight year old QuickSilver One MasterCard, and my quest to have the MC upgraded to a no-AF QuickSilver is ongoing. I've even talked to someone at one of the EO numbers, and they were unable to help. (I only want to keep it for my AAoA). This being said, others have done it with little trouble... basically YMMV.

Re: Quicksilver vs Quicksilver One

Anonymous — Wed, 01 Jul 2015 04:52:46 GMT

@Anonymous wrote:
Newbie here. What's a PC? Is there glossary on this site for.all the abbreviation meaning s? I can figure out some but
not others. Thank you

There's a Helpful Threads sticky at the top of the Credit Cards forum section, with a link to a helpful "Common Abbreviations" page. PC simply means a product change, as in changing one credit card for another from the same issuer (e.g. BankAmericard Better Balance Rewards to BankAmericard Cash Rewards). Depending on the issuer, it can allow you to keep the same credit card number and history, but with the features of the new product (and sometimes without even having your credit hard pulled).

Re: Quicksilver vs Quicksilver One

-Cain- — Wed, 01 Jul 2015 05:00:41 GMT

My old Household became a Quicksilver some time ago, remained a MC. A CSR told me it was regular Quicksilver, but today a different CSR told me it was actually a Quicksilver One. I don't have an annual fee though, never had AF even with Household. I sent an email to EO, but I may have to call to settle it once and for all.

Re: Quicksilver vs Quicksilver One

Anonymous — Wed, 01 Jul 2015 05:57:45 GMT

I have two- a QS mastercard that was upgraded from a platinum. And i was approved for a QS VISA with a $500 cl. So not true that the minimum for a regular QS is 3000. I definitely have QS, not the one.