topic Re: Quicksilver vs Quicksilver One? in Credit Cards

Quicksilver vs Quicksilver One?

Justrebuilding — Tue, 30 Aug 2016 02:12:05 GMT

Considering a QS for my husband as his first major cc. His scores are around 632. If we apply for the QS and he is not approved, will they automatically offer a QS1 if he is eligible, or would that have to be a separate app? Obviously we'd rather have the QS but I am wondering which one we should apply for.

Thanks!

Re: Quicksilver vs Quicksilver One?

Anonymous — Tue, 30 Aug 2016 04:55:19 GMT

If he is denied for the Quicksilver they will not automatically offer the QS1, it will be a denial and you would have to app again for the QS1 on a different triple HP. Have you checked the pre-aqual on the Cap One site ? Usually pretty solid. Without knowing anything else about your DH's profile, I would suggest trying for the QS1. Most likely will be a lower SL but he will be enrolled in credit steps which will auto CLI with responsible use in the first 6 months. QS1 has a $39 annual fee but you might be able to PC it to the QS later on with positive and responsible use. Good luck to you !!

Re: Quicksilver vs Quicksilver One?

creditguy — Tue, 30 Aug 2016 05:16:46 GMT

With scores around 632 your safer applying for a QS 1 as opposed to QS. Aside from the AF your looking at the same rewards structure so it doesn't really matter what card you get, what matters is establishing credit and treating the card right and they will reward you, soon you'll be picking any card you want not just what you can get, best of luck.

Re: Quicksilver vs Quicksilver One?

elim — Tue, 30 Aug 2016 05:17:30 GMT

Use the prequalify link.

https://www.capitalone.com/credit-cards/

Re: Quicksilver vs Quicksilver One?

ScottsdaleDad — Tue, 30 Aug 2016 06:25:01 GMT

I was approved for a QS1 of $3,000 in July 2016 with FICO scores in the low 640's. I have made multiple payments since that time (Never paid in full), and have a current balance of $2,800. I called CS a couple of days ago about another issue, and they offered me an upgrade choice of the QS or Venture One. I chose the QS. The only issue is I don't get the current sign up bonus and I wasn't able to switch from QS1 Mastercard to QS Visa (I wanted to switch to use Visa at Costco). The CS rep told me I would have to cold app for the QS in order to change from Mastercard to Visa. Frustrating, but still worth it. They also refunded my QS1 annual fee since I just paid it (I had to request it though). So, maybe you should go for the QS1 and hope you are offered an upgrade in the near future. Good luck!

Re: Quicksilver vs Quicksilver One?

elim — Tue, 30 Aug 2016 06:33:33 GMT

My GF has a 599 EQ and has a 7k QS. Not hard to get the QS with some good (and bad) history.

Re: Quicksilver vs Quicksilver One?

MugenCivicSi83 — Sat, 08 Oct 2016 18:11:05 GMT

I have a 681-EQ, 697-TU, 698-EX. 1 collection for $47 PIF. 1-30 day late but somehow it's reporting as 3- 30 day lates. Do you think i'd be approved? my oldest account is 12.5 years. newest is 3.5 years. AAoA is 3.9 years.

Re: Quicksilver vs Quicksilver One?

bourgogne — Sat, 08 Oct 2016 20:20:24 GMT

you answer is here : https://findmycard.capitalone.com

you can leave off everything on your sig but the F8 scores you get from cct, ck is worthless score wise and the other is redundant. just my .02

Edit: clean up the 3 - 30 day lates, if its incorrect it should be pretty easy. this is partly what is holding your scores down. my .03 lol

Re: Quicksilver vs Quicksilver One?

Anonymous — Sat, 08 Oct 2016 21:24:35 GMT

Both cards offer the same rewards. The only difference is that the qs1 is more a rebuilder card. And has an annual fee. And it is a MasterCard not a visa like the regular quicksilver. If you want to play it safe go for the qs1. Remember that capital one triple pulls. So if you were to apply for the regular quicksilver you'd have to apply again if denied.

Its all just a gamble. If you feel confident enough go for the visa.

Re: Quicksilver vs Quicksilver One?

MugenCivicSi83 — Mon, 10 Oct 2016 22:53:06 GMT

Thanks Bourgogne. I am sending a couple GW letters. I only hav 1-30 day late, CCT is reporting 3, as it is counting my 2 old collections that are PIF as 30 days late each. Can't believe all these reporting sites aren't on the same page as the CRA', it's quite absurd.

Re: Quicksilver vs Quicksilver One?

bourgogne — Mon, 10 Oct 2016 23:00:04 GMT

@MugenCivicSi83 wrote:
Thanks Bourgogne. I am sending a couple GW letters. I only hav 1-30 day late, CCT is reporting 3, as it is counting my 2 old collections that are PIF as 30 days late each. Can't believe all these reporting sites aren't on the same page as the CRA', it's quite absurd.

Just to clarify, cct is just a portal for the 3Bs – it reports what is on your actual reports. Imo you run the risk of having your handy work undone at some point in the future unless you fix the source of the issue(s). what lender(s) is reporting this late x3, post the details if you wish. To me I don’t like to take the time to do things unless success is on my side

Re: Quicksilver vs Quicksilver One?

MugenCivicSi83 — Mon, 10 Oct 2016 23:05:17 GMT

The late is from August 2015 on my Buckle store card. It currently has a $0 balance. I don't use it enough. I paid it off last month. The other 2 are collections: both PIF'ed; one for $111, one for $47. both medical. from 2011 and 2012 respectively.

Re: Quicksilver vs Quicksilver One?

bourgogne — Mon, 10 Oct 2016 23:15:01 GMT

@MugenCivicSi83 wrote:
The late is from August 2015 on my Buckle store card. It currently has a $0 balance. I don't use it enough. I paid it off last month. The other 2 are collections: both PIF'ed; one for $111, one for $47. both medical. from 2011 and 2012 respectively.

Sorry, it’s been a long day but if you had a collection doesn’t that also mean it’s more than 30 days late? Are you seeing 3 separate entries on the cct for these items from 3 different sources or what? How long ago did you pay off these collections? Should have done a pfd on them, still might be able to. Trying to get your report as clean as you can might make your scores climb. might. always ymmv with this stuff

Re: Quicksilver vs Quicksilver One?

MugenCivicSi83 — Tue, 11 Oct 2016 00:48:52 GMT

Collection: Account 2, Account 23 30 Day Late: Account 4 Same Account Posted Twice?: Account 24 & Account 27	Credit Bureau	Account Type	Balance	CL	Payment Status	Status	Status Updated	Notes
	Experian
Account 1	American Honda Finance	Installment Loan	$19,238.00	$33,615.00	PAID	Open	9/1/2016	NL: Open: 7/1/2014
Account 2	ATG Credit	Collection	$47.00	$47.00	LATE	Closed	11/1/2011	PIF'ed 9/15/16
Account 3	Chase Freedom	Revolving	$0.00	$2,000.00	PAID	Open	9/1/2016	NL: Open: 6/1/2013
Account 4	Comenity/Buckle	Revolving	$0.00	$680.00	PAID	Open	9/1/2015	30 DL: Open 10/1/2011
Account 5	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 6	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 7	Fed Loan	Installment Loan	$7,408.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 8	Fed Loan	Installment Loan	$5,548.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 9	Fed Loan	Installment Loan	$5,588.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 10	Fed Loan	Installment Loan	$8,421.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 11	Fed Loan	Installment Loan	$5,495.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 12	Fed Loan	Installment Loan	$8,926.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 13	Fed Loan	Installment Loan	$9,430.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 14	Fed Loan	Installment Loan	$6,652.00	$6,500.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 15	Fed Loan	Installment Loan	$985.00	$1,000.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 16	Fed Loan	Installment Loan	$5,623.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 17	Great American Finance	Installment Loan	$0.00	$1,772.00	PAID	Closed	3/1/2014	NL: Open 3/1/2013
Account 18	Jared Galleria of Jewelry	Revolving	$2,887.00	$4,187.00	PAID	Open	9/1/2016	NL: Open 4/1/2014:
Account 19	Macy's National Bank	Revolving	$0.00	$1,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2014:
Account 20	Nordstrom/TD	Revolving	$0.00	$2,500.00	PAID	Open	9/1/2016	NL: Open 3/1/2013
Account 21	Prestige Financial	Installment Loan	$0.00	$20,118.00	PAID	Closed	9/1/2013	NL: Open 2/1/2011
Account 22	CarX/SyncB	Revolving	$0.00	$1,500.00	PAID	Closed	10/1/2006	NL: Open 8/1/2004
Account 23	Trojan Professional Svcs.	Collection	$0.00	$111.00	PAID	Closed	9/1/2016	PIF'ed 9/15/16
Account 24	Wells Fargo Auto Finance	Installment Loan	$0.00	$19,171.00	Unknown	Closed	9/1/2014	NL: Open 8/1/2013
Account 25	Wells Fargo Home Mortgage	Real Estate Loan	$0.00	$150,228.00	PAID	Closed	8/1/2016	NL: Open 11/1/2012
Account 26	Wells Fargo Card SVC	Revolving	$0.00	$1,800.00	PAID	Open	9/1/2016	NL: Open 1/1/2013
Account 27	Wells Fargo Auto	Installment Loan	$0.00	$19,171.00	PAID	Closed	9/1/2016	NL: Open 8/1/2013
Account 28	Wells Fargo Natiional Bank	Revolving	$0.00	$3,800.00	PAID	Closed	9/1/2016	NL: Open 5/1/2014 Closed by WF

Re: Quicksilver vs Quicksilver One?

MugenCivicSi83 — Tue, 11 Oct 2016 00:50:33 GMT

A lot of date discrepances. Accounts showing open that should be closed. 2 Accounts with WF Auto that are the same that shouldn't be.	Credit Bureau	Account Type	Balance	CL	Payment Status	Status	Status Updated	Notes
	Equifax
Account 1	American Honda Finance	Installment Loan	$19,238.00	$33,615.00	PAID	Open	9/18/2016	NL: Open: 7/12/2014
Account 2		Collection	$47.00	$48.00	LATE	Closed	9/5/2016	PIF'ed 9/15/16
Account 3	Chase Freedom	Credit Card	$0.00	$2,000.00	PAID	Open	9/15/2016	NL: Open: 6/20/2013
Account 4	Comenity/Buckle	Revolving	$0.00	$680.00	PAID	Open	9/16/2016	NL: Open 10/1/2011
Account 5	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 6	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 7	Fed Loan	Installment Loan	$7,408.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 8	Fed Loan	Installment Loan	$5,548.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 9	Fed Loan	Installment Loan	$5,588.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 10	Fed Loan	Installment Loan	$8,421.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 11	Fed Loan	Installment Loan	$5,495.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 12	Fed Loan	Installment Loan	$8,926.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 13	Fed Loan	Installment Loan	$9,430.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 14	Fed Loan	Installment Loan	$6,652.00	$6,500.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 15	Fed Loan	Installment Loan	$985.00	$1,000.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 16	Fed Loan	Installment Loan	$5,623.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 17	Great American Finance	Installment Loan	$0.00	$1,772.00	PAID	Open	3/21/2014	NL: Open 3/22/2013
Account 18	Jared Galleria of Jewelry	Revolving	$4,187.00	$4,187.00	PAID	Open	9/20/2016	NL: Open 4/7/2014:
Account 19	Macy's National Bank	Revolving	$10.00	$1,000.00	PAID	Open	9/5/2016	NL: Open 8/26/2014:
Account 20	Nordstrom/TD	Revolving	$0.00	$2,500.00	PAID	Open	9/23/2016	NL: Open 3/21/2013
Account 21	Prestige Financial	Installment Loan	$0.00	$20,118.00	PAID	Open	10/10/2013	NL: Open 2/7/2011
Account 22	CarX/SyncB	Revolving	$0.00	$1,300.00	PAID	Closed	7/27/2015	NL: Open 8/11/2004
Account 23		Collection	$0.00	$111.00	PAID	Open	9/25/2016	PIF'ed 9/15/16
Account 24	Wells Fargo Auto Finance	Installment Loan	$0.00	$19,171.00	PAID	Open	8/1/2016	NL: Open 8/21/2013
Account 25	Wells Fargo Home Mortgage	Real Estate Loan	$0.00	$150,228.00	PAID	Open	9/8/2016	NL: Open 11/16/2012
Account 26	Wells Fargo Card SVC	Revolving	$302.00	$1,800.00	PAID	Open	9/13/2016	NL: Open 1/8/2013
Account 27	Wells Fargo Auto	Installment Loan	$0.00	$19,171.00	PAID	Open	9/30/2014	NL: Open 8/21/2013
Account 28	Wells Fargo Natiional Bank	Revolving	$0.00	$3,800.00	PAID	Closed	9/19/2016	NL: Open 5/22/2014 Closed by WF

Re: Quicksilver vs Quicksilver One?

MugenCivicSi83 — Tue, 11 Oct 2016 01:06:14 GMT

	Credit Bureau	Account Type	Balance	CL	Payment Status	Status	Status Updated	Notes
	Transunion
Account 1	American Honda Finance	Installment Loan	$19,238.00	$33,615.00	PAID	Open	9/18/2016	NL: Open: 7/12/2014
Account 2	Chase Freedom	Credit Card	$0.00	$2,000.00	PAID	Open	9/15/2016	NL: Open: 6/20/2013
Account 3	Comenity/Buckle	Revolving	$0.00	$680.00	PAID	Open	9/16/2016	NL: Open 8/7/2014
Account 4	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 5	Fed Loan	Installment Loan	$0.00	$0.00	PAID	Closed	10/1/2014	NL: Open 9/1/2014
Account 6	Fed Loan	Installment Loan	$7,408.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 7	Fed Loan	Installment Loan	$5,548.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 8	Fed Loan	Installment Loan	$5,588.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 9	Fed Loan	Installment Loan	$8,421.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2012
Account 10	Fed Loan	Installment Loan	$5,495.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 11	Fed Loan	Installment Loan	$8,926.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2011
Account 12	Fed Loan	Installment Loan	$9,430.00	$7,000.00	PAID	Open	9/1/2016	NL: Open 8/1/2010
Account 13	Fed Loan	Installment Loan	$6,652.00	$6,500.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 14	Fed Loan	Installment Loan	$985.00	$1,000.00	PAID	Open	9/1/2016	NL: Open 12/1/2014
Account 15	Fed Loan	Installment Loan	$5,623.00	$5,500.00	PAID	Open	9/1/2016	NL: Open 9/1/2013
Account 16	Great American Finance	Installment Loan	$0.00	$1,772.00	PAID	Closed	3/24/2014	NL: Open 3/22/2013
Account 17	Jared Galleria of Jewelry	Retail Card	$4,187.00	$4,187.00	PAID	Open	9/20/2016	NL: Open 4/7/2014:
Account 18	Macy's National Bank	Revolving	$10.00	$1,000.00	PAID	Open	9/5/2016	NL: Open 8/26/2014:
Account 19	Nordstrom/TD	Revolving	$0.00	$2,500.00	PAID	Open	9/23/2016	NL: Open 3/21/2013
Account 20	Prestige Financial	Installment Loan	$0.00	$20,118.00	PAID	Closed	8/31/2013	NL: Open 2/7/2011
Account 21	Glen Ellyn Family Dental Care	Collection	$111.00	$111.00	Unknown	Open	9/11/2016	PIF'ed 9/15/16: Open 7/30/14
Account 22	Wells Fargo Home Mortgage	Real Estate Loan	$0.00	$150,228.00	PAID	Closed	8/26/2016	NL: Open 11/16/2012
Account 23	Wells Fargo Card SVC	Credit Card	$302.00	$1,800.00	PAID	Open	9/13/2016	NL: Open 1/8/2013
Account 24	Wells Fargo Auto	Installment Loan	$0.00	$19,171.00	PAID	Closed	8/31/2016	NL: Open 8/21/2013
Account 25	Wells Fargo National Bank	Revolving	$0.00	$3,800.00	PAID	Closed	9/19/2016	NL: Open 5/22/2014 Closed by WF
Account 26	Sprint	Collection	$366.00	$366.00	Unknown	Open	9/18/2016	?????
Account 27	People's Energy	Unknown	$0.00	$103.00	PAID	Closed	2/13/2010	NL: Open 5/28/2009

Re: Quicksilver vs Quicksilver One?

bourgogne — Wed, 12 Oct 2016 00:51:49 GMT

wow that is quite a list lol. you know what is not right, you just have to dispute everything with each of the 3B. go to annualcreditreport dot com if you have not already done so and get your reports. they will have more detail than the cct report and dispute away! oh, imo don't apply for any more credit until you have everything nice and pretty

Re: Quicksilver vs Quicksilver One?

grillandwinemaster — Wed, 12 Oct 2016 14:07:06 GMT

@elim wrote:
My GF has a 599 EQ and has a 7k QS. Not hard to get the QS with some good (and bad) history.

Nice! I might have to go for the QS. I want a visa to use At Costco.

Re: Quicksilver vs Quicksilver One?

MugenCivicSi83 — Wed, 12 Oct 2016 14:23:36 GMT

bourgogne,

I don't have a ton of time on my hands to clean all of this up. i have money to pay someone to do so. I've used sky blue credit repair before and they did an amazing job. what would you suggest I do? I am moving to switzerland for work in 2 months and want to clean this all up before I leave.

Re: Quicksilver vs Quicksilver One?

bourgogne — Wed, 12 Oct 2016 14:43:25 GMT

@MugenCivicSi83 wrote:
bourgogne,

I don't have a ton of time on my hands to clean all of this up. i have money to pay someone to do so. I've used sky blue credit repair before and they did an amazing job. what would you suggest I do? I am moving to switzerland for work in 2 months and want to clean this all up before I leave.

switzerland huh, well that is exciting. to me this is not thay big a deal and would not take much time + only you know the back-stories of much of this. you need to contact the places you paid and see if they will do a delete and if something is mis-reporting then do take care of that too. nobody is going to do these tasks as well as you will. you made the mess, clear it up is sort of my motto. it will make you feel good and you can move on