topic Re: QuicksilverOne annual fee in Credit Cards

QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 14:09:08 GMT

For those of you that emailed the EO through Mr. Fairbank, how long did it take to get a response back?

Did is you pay the fee first and get a credit? Or did you wait?

I sent them an email Sunday evening and haven't received a response yet.

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 14:14:45 GMT

I didn't go through eo. Did you try going on chat and asking to pc to regular quicksilver?

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 14:17:47 GMT

No I didn't. My wife app'd for the platinum and the qs1. I was going to wait for the PC on the platinum then roll the CL from the qs1 into the regular QS

I did speak to someone through chat, they basically can't do squat.

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 14:21:01 GMT

Hmm.... I'd try talking to another representative. After I had my platinum for a few months I went on chat and pc'd it to a quicksilver, then at the six month mark I rolled my qs1 into the quicksilver (former platinum ).

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 15:15:03 GMT

@Anonymous wrote:
For those of you that emailed the EO through Mr. Fairbank, how long did it take to get a response back?

Did is you pay the fee first and get a credit? Or did you wait?

I sent them an email Sunday evening and haven't received a response yet.

I'm not sure what youmare asking but I wouldn't call EO for that!

Since you already have Cap1 cards I'd login to the acct and go on Live Chat. Ask if you have any offers available. They are very good about letting you know all your options on chat. I've had nothing but good experiences wtih them and my credit is not sterling. Especially with them! I had an old CO and Judgement with them and still get nothing but good service.

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 15:26:43 GMT

@Anonymous wrote:
@Anonymous wrote:
For those of you that emailed the EO through Mr. Fairbank, how long did it take to get a response back?

Did is you pay the fee first and get a credit? Or did you wait?

I sent them an email Sunday evening and haven't received a response yet.
I'm not sure what youmare asking but I wouldn't call EO for that!

Since you already have Cap1 cards I'd login to the acct and go on Live Chat. Ask if you have any offers available. They are very good about letting you know all your options on chat. I've had nothing but good experiences wtih them and my credit is not sterling. Especially with them! I had an old CO and Judgement with them and still get nothing but good service.

I'll try again, but I've read that only the EO can waive your annual fee

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 15:29:40 GMT

Quicksilver1 is MC and Quicksilver is Visa. No issues with that?

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 15:31:55 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
For those of you that emailed the EO through Mr. Fairbank, how long did it take to get a response back?

Did is you pay the fee first and get a credit? Or did you wait?

I sent them an email Sunday evening and haven't received a response yet.
I'm not sure what youmare asking but I wouldn't call EO for that!

Since you already have Cap1 cards I'd login to the acct and go on Live Chat. Ask if you have any offers available. They are very good about letting you know all your options on chat. I've had nothing but good experiences wtih them and my credit is not sterling. Especially with them! I had an old CO and Judgement with them and still get nothing but good service.
I'll try again, but I've read that only the EO can waive your annual fee

How long have you had the acct? You will nnot get a waiver of AF on this card if it is less than 6mths old and if it's older than that you should PC to the standard QS. The QS1 is a sub-prime starter acct but with 6mths good history you can upgrade it out of that status to the better QS with no AF.

Just login and go on Live Chat. Ask what offers are available and they will tell you. They're very nice folks to deal with. I think you need to be on a computer and not a phone to access the chat portion.

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 15:35:17 GMT

@Anonymous wrote:
Quicksilver1 is MC and Quicksilver is Visa. No issues with that?

They have a QS MC. I just PC'd my Platinum MC to a QS yesterday through Live Chat.

Both the QS1 and Plat. are MC's, they are both sub-prime & they are both starter accts but with many advantages.

Here is a link to yesterdays PC that I did.

http://ficoforums.myfico.com/t5/Rebuilding-Your-Credit/Cap1-Platinum-Upgrade-after-1st-Statement/td-p/4467249

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 16:25:03 GMT

I just asked the eo to pc my card to quiksilver no annual fee and he told me that my fee does not hit until june and i could try again in a few weeks so i can upgrade before the membership fee is charged. Is he saying he knows that for a fact or?

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 16:39:31 GMT

@Anonymous wrote:
I just asked the eo to pc my card to quiksilver no annual fee and he told me that my fee does not hit until june and i could try again in a few weeks so i can upgrade before the membership fee is charged. Is he saying he knows that for a fact or?

Which card do you have that you are trying to PC? This is an overuse of EO practices and not encouraged here. Not a rebuke just a comment about contacting Eo's for every little thing.

Login to your acct, under the "Services" tab click "More", on this page about half way down you will see a blue line for Live Chat. Open that link and ask the CS agent what offers are available for you. They will tell you immediately and can make any changes to your acct right then and there.

If you are about to hit your 1st anniversary with a QS1 you should PC out of it now. Unless you have had some negatives with Cap1 since you've had this card you would have this option open now. The QS is a fee free card.

I will note that if you are trying to PC to a QS Visa from this card it will never happen even at the EO level.

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 17:16:04 GMT

Her account is about a week old. I just noticed the AF pop up, and had heard they would waive it

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 17:23:08 GMT

@Anonymous wrote:
Her account is about a week old. I just noticed the AF pop up, and had heard they would waive it

OH, I didn'ty realize the acct is brand new. The Plat has no AF and the QS1 has a $39 AF and yes it is on the first statement. You will own that one (I've not read about anyone getting that one off) but it's a small fee to pay for such a great little card and you should earn enough cash back $$$ in the first 6mths to balance it out. By that time you can PC out of the QS1 into a standard QS with $0 AF.

Check out the link I put in an earlier reply here with respect to how to handle the Platinum card in a couple more weeks.

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 17:26:00 GMT

@Anonymous wrote:
@Anonymous wrote:
Her account is about a week old. I just noticed the AF pop up, and had heard they would waive it
OH, I didn'ty realize the acct is brand new. The Plat has no AF and the QS1 has a $39 AF and yes it is on the first statement. You will own that one (I've not read about anyone getting that one off) but it's a small fee to pay for such a great little card and you should earn enough cash back $$$ in the first 6mths to balance it out. By that time you can PC out of the QS1 into a standard QS with $0 AF.

Check out the link I put in an earlier reply here with respect to how to handle the Platinum card in a couple more weeks.

I read it already. Good info, I will use it when her second statement posts. I'm guessing you got lucky and had a short statement period for your first one and it seemed like only 1 statement and you could PC the Platinum. That's my guess

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 17:43:16 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
Her account is about a week old. I just noticed the AF pop up, and had heard they would waive it
OH, I didn'ty realize the acct is brand new. The Plat has no AF and the QS1 has a $39 AF and yes it is on the first statement. You will own that one (I've not read about anyone getting that one off) but it's a small fee to pay for such a great little card and you should earn enough cash back $$$ in the first 6mths to balance it out. By that time you can PC out of the QS1 into a standard QS with $0 AF.

Check out the link I put in an earlier reply here with respect to how to handle the Platinum card in a couple more weeks.
I read it already. Good info, I will use it when her second statement posts. I'm guessing you got lucky and had a short statement period for your first one and it seemed like only 1 statement and you could PC the Platinum. That's my guess

No SIr,

It was a full month. If you login to your accts and look at the bottom of each card summary you will see a link to statements. If you click on it you will have one there (I don't remember if it was dated within a couple of days of my approval or my first login but it was there). I obsess about my accts now so I check them too much. I login everday and look all over for any messages, alerts, balance changes, ect.

Once you get your first alert for a new statement then go on live chat and PC the Plat.

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 17:54:01 GMT

I have no statements. No documents. So, maybe it just takes time.

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 22:57:18 GMT

@Anonymous wrote:
@Anonymous wrote:
I just asked the eo to pc my card to quiksilver no annual fee and he told me that my fee does not hit until june and i could try again in a few weeks so i can upgrade before the membership fee is charged. Is he saying he knows that for a fact or?
Which card do you have that you are trying to PC? This is an overuse of EO practices and not encouraged here. Not a rebuke just a comment about contacting Eo's for every little thing.
Login to your acct, under the "Services" tab click "More", on this page about half way down you will see a blue line for Live Chat. Open that link and ask the CS agent what offers are available for you. They will tell you immediately and can make any changes to your acct right then and there.

If you are about to hit your 1st anniversary with a QS1 you should PC out of it now. Unless you have had some negatives with Cap1 since you've had this card you would have this option open now. The QS is a fee free card.

I will note that if you are trying to PC to a QS Visa from this card it will never happen even at the EO level.

Not true. I cannot change my QS-1 to a QS, even though I have had great relationship with them for 11 months, and even though I have 3 prime cards with them now, the guy on chat tells me I should open a new card.

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 23:02:19 GMT

@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:
I just asked the eo to pc my card to quiksilver no annual fee and he told me that my fee does not hit until june and i could try again in a few weeks so i can upgrade before the membership fee is charged. Is he saying he knows that for a fact or?
Which card do you have that you are trying to PC? This is an overuse of EO practices and not encouraged here. Not a rebuke just a comment about contacting Eo's for every little thing.
Login to your acct, under the "Services" tab click "More", on this page about half way down you will see a blue line for Live Chat. Open that link and ask the CS agent what offers are available for you. They will tell you immediately and can make any changes to your acct right then and there.

If you are about to hit your 1st anniversary with a QS1 you should PC out of it now. Unless you have had some negatives with Cap1 since you've had this card you would have this option open now. The QS is a fee free card.

I will note that if you are trying to PC to a QS Visa from this card it will never happen even at the EO level.

Not true. I cannot change my QS-1 to a QS, even though I have had great relationship with them for 11 months, and even though I have 3 prime cards with them now, the guy on chat tells me I should open a new card.

That's the first I've read with that response on any forum. Are you sure you're not asking for a Visa product? Why not combine it into one of your other Cap1 MC products? I know for sure you can combine it into another MC and just throw the current CL into the other card.

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 23:23:00 GMT

I asked for a product change to a "regular quicksilver with no annual fee" I did not mention MC or Visa specifically. None of my other cards are 6 months. I intend to combine them later.

Re: QuicksilverOne annual fee

Anonymous — Tue, 23 Feb 2016 23:28:40 GMT

My husband started out with a $300 Capital One card January 2015. After the 5 ontime payments, they raised the limit to $3300. He was also able to change it to a QuickSilver One card for the cash back at that time. They just raised it again to $6300 last month. However, the annual fee just charged. Because of this thread, we did a live chat. They were able to refund the fee, but they were not able to move his account to something without an annual fee, despite over a year of on time payments and paying the balance off in full every month.