topic Re: Cap One Quicksilver? in Credit Cards

Cap One Quicksilver?

bluescale — Wed, 26 Jun 2013 04:58:31 GMT

Has this card just replaced teh Cash Rewards card? I don't remember seeing it before, and I don't see the cash rewards card. Rather than 1% cashback with a .5% bonus at the end of the year, this one just has a 1.5% cashback reward. Other than that it's pretty much the same.

Re: Cap One Quicksilver?

myjourney — Wed, 26 Jun 2013 05:08:22 GMT

@bluescale wrote:
Has this card just replaced teh Cash Rewards card? I don't remember seeing it before, and I don't see the cash rewards card. Rather than 1% cashback with a .5% bonus at the end of the year, this one just has a 1.5% cashback reward. Other than that it's pretty much the same.

Just took a look the green cash rewards card is missing ...will have to compare

Same card different packaging instead of 50% bonus yearly its 1.5 on everything

Same cards 1 for excellent credit 1 for average credit....

different color and marketing IMO

Re: Cap One Quicksilver?

SSA_2013 — Wed, 26 Jun 2013 05:26:39 GMT

@myjourney wrote:
@bluescale wrote:
Has this card just replaced teh Cash Rewards card? I don't remember seeing it before, and I don't see the cash rewards card. Rather than 1% cashback with a .5% bonus at the end of the year, this one just has a 1.5% cashback reward. Other than that it's pretty much the same.
Just took a look the green cash rewards card is missing ...will have to compare

Same card different packaging instead of 50% bonus yearly its 1.5 on everything
Same cards 1 for excellent credit 1 for average credit....
different color and marketing IMO

The card looks like it is metal (either that...or a simple design) I like it.

Edit: I may put this on my list to app sometime next year when more inqs fall off (especially since Capital One likes to triple pull. I think it will depend if I get a nice offer on it.

Re: Cap One Quicksilver?

bluescale — Wed, 26 Jun 2013 05:32:44 GMT

@SSA_2013 wrote:
The card looks like it is metal (either that...or a simple design) I like it.

Edit: I may put this on my list to app sometime next year when more inqs fall off (especially since Capital One likes to triple pull. I think it will depend if I get a nice offer on it.

It looks like you can personalize it with an image. I'm guessing that means it's just plastic.

Re: Cap One Quicksilver?

SSA_2013 — Wed, 26 Jun 2013 05:49:06 GMT

@bluescale wrote:
@SSA_2013 wrote:
The card looks like it is metal (either that...or a simple design) I like it.

Edit: I may put this on my list to app sometime next year when more inqs fall off (especially since Capital One likes to triple pull. I think it will depend if I get a nice offer on it.
It looks like you can personalize it with an image. I'm guessing that means it's just plastic.

I noticed that on second look. It would probably look better if it were metal.

Re: Cap One Quicksilver?

WallyxD — Wed, 26 Jun 2013 06:43:25 GMT

I see that they have a Quicksilver for Excellent Credit and one for Average Credit. I'm really liking the 1.5% cash back and the 0% apr introductory period. Was this the same for the Cash Rewards?

Re: Cap One Quicksilver?

improvingmycredit — Wed, 26 Jun 2013 07:06:23 GMT

Excellent Credit = VISA Siggy

Average Credit = MasterCard

That's interesting.

Re: Cap One Quicksilver?

L-TWT — Wed, 26 Jun 2013 11:23:03 GMT

I wonder if Cap1 will automatically convert current Cash Reward card holder's over to this new card or does one have to call and request the conversion? B/c, personally i perfer this new rewards structure & CC design, for the green card looks and feels like 50% plastic/50% recycled paper!

Re: Cap One Quicksilver?

LawStudentCivilis — Wed, 26 Jun 2013 12:11:21 GMT

@L-TWT wrote:
I wonder if Cap1 will automatically convert current Cash Reward card holder's over to this new card or does one have to call and request the conversion? B/c, personally i perfer this new rewards structure & CC design, for the green card looks and feels like 50% plastic/50% recycled paper!

I was going to ask the same question! Bummer! I'm new to Capital One because I just got the Cash Rewards card last month! This card sounds much better! I wonder if it's too soon to PC to this card?? However, I did get rid of the green card and customized the photo within a few days of having it! It was visual assault to look at that green card ha

Re: Cap One Quicksilver?

GatorGuy — Wed, 26 Jun 2013 12:28:28 GMT

@L-TWT wrote:
I wonder if Cap1 will automatically convert current Cash Reward card holder's over to this new card or does one have to call and request the conversion? B/c, personally i perfer this new rewards structure & CC design, for the green card looks and feels like 50% plastic/50% recycled paper!

Typically you have to call in to request the one product. It is considered a different card.

Re: Cap One Quicksilver?

zyzzus — Wed, 26 Jun 2013 12:39:47 GMT

I have been getting emails about changing my reward structure but haven't been interested. I am now and will see if I can get this today.

Re: Cap One Quicksilver?

Stralem — Wed, 26 Jun 2013 12:57:29 GMT

Interesting. I wonder if there's a chance I could get my Journey converted to this for the better cash back rate...

Besides, my wallet is rather Visa-heavy; another MC wouldn't hurt.

EDIT: Oh s***, a $39 annual fee. Ugh.

Re: Cap One Quicksilver?

LawStudentCivilis — Wed, 26 Jun 2013 12:58:39 GMT

I think the real question would be, if I change my card over to this one, what about all of the previous purchases that were bought at 1%? Will I still get the .5% during the card anniversary or will they automatically credit it with the PC?

Re: Cap One Quicksilver?

Simply827 — Wed, 26 Jun 2013 13:02:54 GMT

Interesting....

I'm glad they're offering new products. Hopefully something really awesome comes out next year and I'll consider reapplying. I'm sure my Platinum and Orchard aren't going to turn into anything useful.

Re: Cap One Quicksilver?

Stralem — Wed, 26 Jun 2013 13:17:10 GMT

@LawStudentCivilis wrote:
I think the real question would be, if I change my card over to this one, what about all of the previous purchases that were bought at 1%? Will I still get the .5% during the card anniversary or will they automatically credit it with the PC?

I just got off the phone with a friendly (but somewhat difficult to understand) Capital One rep.

I had my Journey PC'd to the Quicksilver One. All purchases will generate 1.5%, but purchases made before the new card activation will not be calculated at that rate.

If you want, I can update you on the terms once the card arrives in the mail.

Re: Cap One Quicksilver?

LawStudentCivilis — Wed, 26 Jun 2013 13:26:44 GMT

@Stralem wrote:
@LawStudentCivilis wrote:
I think the real question would be, if I change my card over to this one, what about all of the previous purchases that were bought at 1%? Will I still get the .5% during the card anniversary or will they automatically credit it with the PC?
I just got off the phone with a friendly (but somewhat difficult to understand) Capital One rep.

I had my Journey PC'd to the Quicksilver One. All purchases will generate 1.5%, but purchases made before the new card activation will not be calculated at that rate.

If you want, I can update you on the terms once the card arrives in the mail.

Thanks, please keep us updated! I would think it would still differ in my situation. I have a Cash back card that is suppose to equal 1.5% during the 1 year anniversary. So the terms of my original card is different and still seems to be unanswered what Cap One would do in this situation.

Re: Cap One Quicksilver?

vagrants — Wed, 26 Jun 2013 13:39:31 GMT

Last time I upgraded from 1.25% to 1.5% VISA, the CSR told me that I will forefit the 0.25% portion of 1.25% before the anniversary. The CB already earned stayed intact.

Re: Cap One Quicksilver?

LawStudentCivilis — Wed, 26 Jun 2013 13:37:23 GMT

Ugh maybe I will wait until the anniversary to PC that way I will optimize all of my points without losing any.

Re: Cap One Quicksilver?

Anonymous — Wed, 26 Jun 2013 13:50:15 GMT

What number did you call? And did you have to escalate it to a supervisor? I keep getting told there are no offers on my account, blah blah...

Re: Cap One Quicksilver?

L-TWT — Wed, 26 Jun 2013 13:57:46 GMT

@LawStudentCivilis wrote:
Ugh maybe I will wait until the anniversary to PC that way I will optimize all of my points without losing any.

I was just thinking the same thing! B/c I'm not trying to forefeit jack!!!!!!!!!