topic Re: Got my new CapOne QS card - disappointed! in Credit Cards

Got my new CapOne QS card - disappointed!

ecocredit — Sun, 06 Jul 2014 08:56:50 GMT

The card looks cheap and I almost threw it out because I thought it was fake. I ordered a customized card. Hoping it'll have raised (embossed?) letters and would look like a real credit card

Re: Got my new CapOne QS card - disappointed!

One7 — Sun, 06 Jul 2014 09:01:20 GMT

Haha I agree with how horrible looking the card is. Looks like one of those fake cardboard cards companies like Credit One and First Premier send out with their "you've been approved" letters.

Re: Got my new CapOne QS card - disappointed!

wHiTeSoL — Sun, 06 Jul 2014 09:09:57 GMT

@ecocredit wrote:
The card looks cheap and I almost threw it out because I thought it was fake. I ordered a customized card. Hoping it'll have raised (embossed?) letters and would look like a real credit card

The customized one does come with raised numbers.

Re: Got my new CapOne QS card - disappointed!

core — Sun, 06 Jul 2014 10:05:16 GMT

The card looks cheap because the company that issues it is cheap. Pretty straightforward.

Too cheap to print out decent cards, too cheap for CLIs, too cheap to hire employees who can really do anything about your account. The employees who can do PCs and CLIs are hidden away in the EO department. Too cheap to handle affairs in a normal manner so instead they conduct their business through Facebook PMs like some college kid. About the only thing they spend money on is triple hard pulls.

And for the final insult they denied my cusomized card image because the subject of my photo was a woman whose shirt collar was about 2 millimeters off the shoulder. I guess they found that too suggestive, huh. I can't wait to douse this card with gasoline and set it ablaze.

Re: Got my new CapOne QS card - disappointed!

coldnmn — Sun, 06 Jul 2014 10:55:44 GMT

@core wrote:
The card looks cheap because the company that issues it is cheap. Pretty straightforward.

Too cheap to print out decent cards, too cheap for CLIs, too cheap to hire employees who can really do anything about your account. The employees who can do PCs and CLIs are hidden away in the EO department. Too cheap to handle affairs in a normal manner so instead they conduct their business through Facebook PMs like some college kid. About the only thing they spend money on is triple hard pulls.

And for the final insult they denied my cusomized card image because the subject of my photo was a woman whose shirt collar was about 2 millimeters off the shoulder. I guess they found that too suggestive, huh. I can't wait to douse this card with gasoline and set it ablaze.

No ones stopping you. Were they the only ones to give you a chance with their credit card or wasn't that worth mentioning?

Re: Got my new CapOne QS card - disappointed!

core — Sun, 06 Jul 2014 11:16:06 GMT

@coldnmn wrote:
No ones stopping you. Were they the only ones to give you a chance with their credit card or wasn't that worth mentioning?

I initially paid them $3k (different starting account) for the priviledge of having a card with their name on it that spends my own secured funds, yes. And held onto that for several years. I'm not sure what point you are trying to make: That if a company accepts subprime borrowers they should receive a pass to conduct business in such a manner? What the heck kind of company uses PMs on Facebook for biz purposes and has "secret" email addresses instead of just having customer service be able to handle it or at least forward the call to someone who can? You know, answer the darn phone, or respond to a secure email? Remember that stuff?

I've had accounts with every subprime lender out there and the only thanks I owe Capital One is for keeping my $3k for 4 years without paying me interest. Thanks guys, you kept it safe for me. There. Comenity/Victoria's at least gave me CLIs once in a while and there was never a problem getting issue handled if they came up. The catalogs were a nice bonus too.

Re: Got my new CapOne QS card - disappointed!

coldnmn — Sun, 06 Jul 2014 11:25:56 GMT

@core wrote:
@coldnmn wrote:
No ones stopping you. Were they the only ones to give you a chance with their credit card or wasn't that worth mentioning?
I initially paid them $3k (different starting account) for the priviledge of having a card with their name on it that spends my own secured funds, yes. And held onto that for several years. I'm not sure what point you are trying to make: That if a company accepts subprime borrowers they should receive a pass to conduct business in such a manner? What the heck kind of company uses PMs on Facebook for biz purposes and has "secret" email addresses instead of just having customer service be able to handle it or at least forward the call to someone who can? You know, answer the darn phone, or respond to a secure email? Remember that stuff?

I've had accounts with every subprime lender out there and the only thanks I owe Capital One is for keeping my $3k for 4 years without paying me interest. Thanks guys, you kept it safe for me. There. Comenity/Victoria's at least gave me CLIs once in a while and there was never a problem getting issue handled if they came up. The catalogs were a nice bonus too.

No ones stopping you from getting rid of your card. Some people either have a choice of cards with $175 annual fees and monthly charges or Capital One. Close your card and move on, now that they helped you get better cards. If you didn't need them why did you get their card to start with? It seems that you have know one to blame but yourself if you had better choices in credit cards.

Re: Got my new CapOne QS card - disappointed!

mom22sonz — Sun, 06 Jul 2014 12:08:27 GMT

Cap 1 can be so infuriating!!!

Re: Got my new CapOne QS card - disappointed!

Florida1990 — Sun, 06 Jul 2014 12:27:36 GMT

Agreed very cheaplooking card. Anyway welcome to crap one lol.

Re: Got my new CapOne QS card - disappointed!

destine2grow — Sun, 06 Jul 2014 12:38:08 GMT

I actually like my Cap 1 cc. I haven't had any problems and I am thankful they have me a chance when no other company would. For that I will carry the quicksilver cc for a fee years!

On anther note I believe the have a FB to try and reach their customers. Now a days most companies have a FB page but all may not utilize their page as much as Cap 1. Just my 2 cents.

Re: Got my new CapOne QS card - disappointed!

chalupaman — Sun, 06 Jul 2014 12:58:11 GMT

I'm pretty satisfied with mine and don't really care if the numbers are raised or not as long as it's usable and I can swipe it. I've never really had a problem with CapOne before.

Re: Got my new CapOne QS card - disappointed!

Themanwhocan — Sun, 06 Jul 2014 12:57:42 GMT

And how dare they give us a $100 sign up bonus, with no annual fee!

Umm. Where is that application link again...

Re: Got my new CapOne QS card - disappointed!

creditconcept — Sun, 06 Jul 2014 13:04:57 GMT

I drive by the capital one EO everyday on my way to work....I will inform them of your dissapointment! lol

Re: Got my new CapOne QS card - disappointed!

CreditUnionFan — Sun, 06 Jul 2014 13:16:45 GMT

@coldnmn wrote:

No ones stopping you. Were they the only ones to give you a chance with their credit card or wasn't that worth mentioning?

Ya know, I do remember my old Signet Bank (now Capital One) secured cards. I paid an annual fee on the cards that were clearly marketed towards customers that only qualified for secured cards.

The QuickSilver card isn't marketed towards sub-prime customers, and I think that's the OP's point. I rid myself of the secured cards years ago. Capital One has a "QS One" card, and some of those versions include an annual fee. I am a little turned off by the QuickSilver, even the card that offers 1.5% does feel a little cheap; it doesn't compare to even the old "No Hassle Miles" card that they just "upgraded" me from.

I have the 1.5% rewards, but Navy Federal also just uppped their ante, so I don't know how much use the Capital One card will get now. I hesitate to close it, with its nearly ten year history, but if the QuickSilver is their highest offering, there are idiosyncracies of dealing with them that make me rethink whether they will become my card of choice again.

Re: Got my new CapOne QS card - disappointed!

Anonymous — Sun, 06 Jul 2014 13:29:25 GMT

@coldnmn wrote:
@core wrote:
@coldnmn wrote:
No ones stopping you. Were they the only ones to give you a chance with their credit card or wasn't that worth mentioning?
I initially paid them $3k (different starting account) for the priviledge of having a card with their name on it that spends my own secured funds, yes. And held onto that for several years. I'm not sure what point you are trying to make: That if a company accepts subprime borrowers they should receive a pass to conduct business in such a manner? What the heck kind of company uses PMs on Facebook for biz purposes and has "secret" email addresses instead of just having customer service be able to handle it or at least forward the call to someone who can? You know, answer the darn phone, or respond to a secure email? Remember that stuff?

I've had accounts with every subprime lender out there and the only thanks I owe Capital One is for keeping my $3k for 4 years without paying me interest. Thanks guys, you kept it safe for me. There. Comenity/Victoria's at least gave me CLIs once in a while and there was never a problem getting issue handled if they came up. The catalogs were a nice bonus too.
No ones stopping you from getting rid of your card. Some people either have a choice of cards with $175 annual fees and monthly charges or Capital One. Close your card and move on, now that they helped you get better cards. If you didn't need them why did you get their card to start with? It seems that you have know one to blame but yourself if you had better choices in credit cards.

Re: Got my new CapOne QS card - disappointed!

BluePoodle — Sun, 06 Jul 2014 13:29:44 GMT

I don't think it looks any more or less cheap than my Discover it card.

Re: Got my new CapOne QS card - disappointed!

BluePoodle — Sun, 06 Jul 2014 13:36:47 GMT

core wrote:

The card looks cheap because the company that issues it is cheap. Pretty straightforward.

I have never had any of these issues. The CSR's have all been great. They are based in the US, can speak proper english. They have been friendly and curteous. All of my questions or requests have always been addressed and I have been very happy with the service and experience I have had with Cap! I received my cards faster from them than from Amex. And three HP's is hardly an issue when all CLI's are SP's and you can't say that about Discover and other CC Companies.

I think they are a conservative lender and people just take issue with that but whenever someone new to credit asks a question on this forum, Cap1 is always the first company that is recommended. So they can't be all bad!

If they haven't grown with you. Move along to your other cards. It's all good.

Re: Got my new CapOne QS card - disappointed!

MT936 — Sun, 06 Jul 2014 13:46:23 GMT

Not surprising capital one sent you a cheap looking card

Re: Got my new CapOne QS card - disappointed!

SevenNEW — Sun, 06 Jul 2014 14:05:17 GMT

@MT936 wrote:
Not surprising capital one sent you a cheap looking card

Yes, it's cheap-looking I agree. This said, it gives me 1.5% cash back on anything, which I appreciate. I'd rather have a cardboard no-fee cash-back card than one made of selenium but without rewards.

Re: Got my new CapOne QS card - disappointed!

Open123 — Sun, 06 Jul 2014 14:22:38 GMT

It is one of the cheapest looking cards I've ever seen or felt, but with no fee, forex charge and 1.5% with no redemption restrictions or thresholds, it's one of my "best in class" cards.