topic Re: Capital One Quicksilver PC! in Credit Cards

Capital One Quicksilver PC!

jimmy2000 — Sun, 23 Jun 2019 06:57:25 GMT

Finally, some progress.

I know that credit-building is a marathon, and not a sprint, but it is nice to really feel some momentum. Just got upgraded from Capital One Journey to Capital One Quicksilver! A small upgrade, but an upgrade nonetheless!

Re: Capital One Quicksilver PC!

FireMedic1 — Sun, 23 Jun 2019 09:07:16 GMT

Congrats man. Every little step is headed in the right direction from here on out.

Re: Capital One Quicksilver PC!

Anonymous — Sun, 23 Jun 2019 09:32:05 GMT

Agreed and QS is a pretty decent card, congrats

Re: Capital One Quicksilver PC!

tbque — Sun, 23 Jun 2019 12:04:04 GMT

Congrats on the PC to the Quicksilver! One step at a time...

Re: Capital One Quicksilver PC!

Anonymous — Sun, 23 Jun 2019 13:20:10 GMT

Congrats on your upgrade!!

Re: Capital One Quicksilver PC!

Petit3tee — Sun, 23 Jun 2019 14:22:36 GMT

No upgrades are small, so long as an upgrade! Really, big congrats!

Re: Capital One Quicksilver PC!

Anonymous — Sun, 23 Jun 2019 22:26:16 GMT

progress is progress!!...Great job

Re: Capital One Quicksilver PC!

Anonymous — Mon, 24 Jun 2019 01:48:01 GMT

Way to go! You’re getting there!

Re: Capital One Quicksilver PC!

ChargedUp — Mon, 24 Jun 2019 04:38:56 GMT

You're heading in the right direction. Congrats!

Re: Capital One Quicksilver PC!

EdMan63 — Mon, 24 Jun 2019 10:07:18 GMT

Good job. Some people don’t like Cap one but the QS is one of my favorite cards. So easy to use and manage. Immediate cash back. Thumbs up.

Re: Capital One Quicksilver PC!

Anonymous — Tue, 23 Jul 2019 02:51:04 GMT

Congrats! how long did it take you to get an upgrade?

Re: Capital One Quicksilver PC!

Anonymous — Tue, 23 Jul 2019 12:24:47 GMT

Congratulations on your upgrade!!

Re: Capital One Quicksilver PC!

Anonymous — Tue, 23 Jul 2019 19:29:44 GMT

Congrats!

I've been with CapOne since about October 2018 and started with a Quicksilver One. I got a Platinum in March which I was just able to upgrade to a Quicksilver (so 3 statements).

Not sure what the criteria is as the card was still in credit steps as well. I check the upgrade page occasionally and it popped up so I figured why not.

Re: Capital One Quicksilver PC!

Aim_High — Tue, 23 Jul 2019 19:51:56 GMT

Congrats on the approval for the Quicksilver! It's a great card!

Regardless of the lowly opinion some people on these forums have about Capital One, I think they are a good lender to work with. Overall, I've been very satisfied. Even though I have cards most people would consider to be much "better" than my Quicksilver, I still like it a lot.

Being able to redeem instant cash-back as soon as the charge clears pending is a huge exception in the credit card business. (Most banks have minimum redemption such as $25. For example, on the Citi DC, that means you can't redeem anything until you get to $1250 in new charges.) Some cards require you to redeem points into a bank account or Fidelity investment account or PayPal account. Not Capital One. Also, redemption against your outstanding balance is easy and there is no penalty in point value for doing so. (For example, you lose 1% when you pay with Citi DC for paying your balance with points. Or get only 1% on Fidelity if you redeem for cash. )

They have a good website and app, and their fraud prevention was right on top of it when my account was compromised.

My only Capital One gripe is they have lower SLs than many banks and are very reluctant to raise them unless you're putting a heavy spend on the card. Their 'high limits' are much lower than other big banks. Requesting higher limits is also very automated and you can never find a live person to talk to or reconsider whatever they are offering.

Overall, though, I think they are a very good large bank and I recommend them!