topic Re: Dumb question - do I have a Quicksilver? in Credit Cards

Dumb question - do I have a Quicksilver?

gh17 — Sat, 03 May 2014 17:08:46 GMT

I have a Capital One card. I've been calling it a Quicksilver, but I'm not really sure. When I applied, I think it was for a No Hassle Cash Rewards card. On the Capital One website, it just says "Visa Signature." Same thing on my statement. I get 1.5% back.

Not that it really matters; just wondering what to call my card.

Re: Dumb question - do I have a Quicksilver?

Anonymous — Sat, 03 May 2014 17:17:52 GMT

@gh17 wrote:
I have a Capital One card. I've been calling it a Quicksilver, but I'm not really sure. When I applied, I think it was for a No Hassle Cash Rewards card. On the Capital One website, it just says "Visa Signature." Same thing on my statement. I get 1.5% back.

Not that it really matters; just wondering what to call my card.

If your card gives 1.5% it has QuickSilver rewards. If there is also no AF, it is a QS.

Re: Dumb question - do I have a Quicksilver?

gh17 — Sat, 03 May 2014 17:19:12 GMT

Looks like that's me then.

It's weird that it doesn't say that anywhere on my account though. It's just a "Visa Signature" card, no further description.

Re: Dumb question - do I have a Quicksilver?

creditconcept — Sat, 03 May 2014 17:27:13 GMT

Quicksilver is the name for a card that offers 1.5% back, no AF, and is a visa plat/sig. The quicksilver one is a plat mastercard, 1.5% back, and a $39 AF. If the card is different is is a general rewards card.

Me for instance, I have a quicksilver mastercard, but with a reduced $19 af. So capital one does do custom offers.

Re: Dumb question - do I have a Quicksilver?

Anonymous — Sat, 03 May 2014 17:28:37 GMT

Yes, those are the default descriptions, mine says Visa Signature and Visa Platinum. When you get the replacement cards though (until you change the image) you will get Quicksilver cards.

Doesn't really matter though, as the cards are defined by rewards and conditions (such as AF). I think many people got quicksilvers either by requesting a PC, or, more commonly, Cap One doing it for them as they evolve their product line.

On one card I went from No Hassle Cash with 1%, to a version with 1.25%, then the Cash Rewards (1% and a 0.5% bonus annually) to the current QS. The other card was No Hassle Travel (1%) to a 0% version, to a 1% cash back to the current QS.

But I agree that since they use "Quicksilver" you might expect to see it somewhere!

Re: Dumb question - do I have a Quicksilver?

Countingpennies — Sat, 03 May 2014 17:33:20 GMT

I got my no-hassle rewards card about a year ago. Sometime after that I received a letter that they were discontinuing the no-hassle cards, and my card was now a Quicksilver. The letter also said they wouldn't be sending new cards until the expiration on the current one. My card isn't a Visa ignature, but my online account says platinum mastercard next to a Quicksilver icon.

Re: Dumb question - do I have a Quicksilver?

Anonymous — Sat, 03 May 2014 17:40:41 GMT

You have a Quicksilver icon? Mine just has (for each card) a "Your Image" placeholder, that doesn't actually show the customized image I used

Re: Dumb question - do I have a Quicksilver?

NoAnchoviesPlease — Sat, 03 May 2014 18:04:45 GMT

@Anonymous wrote:
You have a Quicksilver icon? Mine just has (for each card) a "Your Image" placeholder, that doesn't actually show the customized image I used

Yup. Mine is Quicksilver, shows the QS card image right under "Welcome NoAnchoviesPlease" in card servicing, but still says Visa Platinum. And whoa, check out those mega-rewards.

Re: Dumb question - do I have a Quicksilver?

NoAnchoviesPlease — Sat, 03 May 2014 18:14:16 GMT

@gh17 wrote:

Not that it really matters; just wondering what to call my card.

You could call it Bruce to keep it clear.

Re: Dumb question - do I have a Quicksilver?

Anonymous — Sat, 03 May 2014 18:34:06 GMT

@NoAnchoviesPlease wrote:
@Anonymous wrote:
You have a Quicksilver icon? Mine just has (for each card) a "Your Image" placeholder, that doesn't actually show the customized image I used
Yup. Mine is Quicksilver, shows the QS card image right under "Welcome NoAnchoviesPlease" in card servicing, but still says Visa Platinum. And whoa, check out those mega-rewards.

That's pretty much what mine looks like. So the old name never gets changed to reflect Quicksilver? How long have you had yours?

Re: Dumb question - do I have a Quicksilver?

Anonymous — Sat, 03 May 2014 18:40:44 GMT

That makes more sense, as there are Plat QUicksilvers and Signature Quicksilvers. I don't see any quicksilver icon

Re: Dumb question - do I have a Quicksilver?

Anonymous — Sat, 03 May 2014 18:43:07 GMT

Re: Dumb question - do I have a Quicksilver?

injustifiiable — Sat, 03 May 2014 18:50:25 GMT

@Anonymous wrote:

Holy cow what is Capital One smoking to be giving out such credit lines like that?!

To stay on topic, there is a place to change the names... I had to change mine to QuicksilverOne Mastercard once it was PC'd over (it was a Household card previously). Mine also has a pic of the Quicksliver.

Re: Dumb question - do I have a Quicksilver?

gh17 — Sat, 03 May 2014 18:59:35 GMT

Yeah that's how my page looks too.

I think it was 1% with the 50% bonus when I first signed up but I feel like it switched to straight 1.5% almost immediately afterward. i can't remember. I definitely never got sent a new card, but I guess it switched whenever the rewards switched.

Re: Dumb question - do I have a Quicksilver?

Ghoshida — Sat, 03 May 2014 19:42:35 GMT

@injustifiiable wrote:
@Anonymous wrote:
Holy cow what is Capital One smoking to be giving out such credit lines like that?!

To stay on topic, there is a place to change the names... I had to change mine to QuicksilverOne Mastercard once it was PC'd over (it was a Household card previously). Mine also has a pic of the Quicksliver.

My thoughts exactly. LTL, you sayin' these are Cap One cards?

I think the computer refuses to acknowledge the existence of these cards for anything not related to statements, and therefore didn't venture to change the image. It was scared that if it changes the image, you'll take it as the sign of another upgrade and extract even higher limits from them

Re: Dumb question - do I have a Quicksilver?

Anonymous — Sat, 03 May 2014 20:32:23 GMT

Yep, I'm one of the lucky ones who got "prime" type limits from Cap One from the beginning and didn't have to fight for CLIs from tiny limits. That said, I didn't get a CLI until I asked the EO (when I wanted conversion to QS) nine years after opening!

Re: Dumb question - do I have a Quicksilver?

Ghoshida — Sat, 03 May 2014 20:37:28 GMT

@Anonymous wrote:
Yep, I'm one of the lucky ones who got "prime" type limits from Cap One from the beginning and didn't have to fight for CLIs from tiny limits. That said, I didn't get a CLI until I asked the EO (when I wanted conversion to QS) nine years after opening!

Did they offer a choice? (i.e. shiny image vs better rewards)

You chose wisely

PS. Nine years is a very long time. I won't have the patience

Re: Dumb question - do I have a Quicksilver?

NoAnchoviesPlease — Sat, 03 May 2014 20:53:51 GMT

@Anonymous wrote:
@NoAnchoviesPlease wrote:
@Anonymous wrote:
You have a Quicksilver icon? Mine just has (for each card) a "Your Image" placeholder, that doesn't actually show the customized image I used
Yup. Mine is Quicksilver, shows the QS card image right under "Welcome NoAnchoviesPlease" in card servicing, but still says Visa Platinum. And whoa, check out those mega-rewards.

That's pretty much what mine looks like. So the old name never gets changed to reflect Quicksilver? How long have you had yours?

It's been just over a month, but I think I've only had one statement cut since the conversion.

Re: Dumb question - do I have a Quicksilver?

Anonymous — Sat, 03 May 2014 20:54:01 GMT

@Ghoshida wrote:
@Anonymous wrote:
Yep, I'm one of the lucky ones who got "prime" type limits from Cap One from the beginning and didn't have to fight for CLIs from tiny limits. That said, I didn't get a CLI until I asked the EO (when I wanted conversion to QS) nine years after opening!
Did they offer a choice? (i.e. shiny image vs better rewards)

You chose wisely

PS. Nine years is a very long time. I won't have the patience

Yes, but the original CL was $30K, and in those 9 years probably the max I ever charged in a month was something like $8K, and usually around $2K. So not exactly a pressing need from my side or a clear case of "CLI needed now" from Cap One's side. I only contacted the EO because I wanted to get the 1.5% rewards, rather than 1.25%, even though the difference is very small.