topic Re: Capital One Quicksilver APR Discrepancy.... in Credit Cards

Capital One Quicksilver APR Discrepancy....

Andy77 — Tue, 28 Oct 2014 15:00:49 GMT

Has anyone else noticed this....

I applied for Capital One's excellent credit Quicksilvber card and was approved. It says there is no annual fee, the intro apr is 0.00 until 08/2015..bla bla bla.

When I got the "important disclosures" in the mail yesterday I was reading them and I noticed a typo, or what I think is one. My intro apr on the actual paperwork I got says 0.00 % until 06/2015, a two month difference between what I had agreed to in the application and what was in the "important disclosures"

I called them and I explained that this is not what I had agreed to when i submitted my application, etc and I believe the document had a typo.

I will give you a case in point, I applied for Fidelity Amex and my score was about 680, I got approved for 1000.00 CL and I got the intro 0.00 APR for one year as stated in the application page. I did not get the duration of my APR redecuded because my credit score is/was not as high as John Smith with an 850. This is what Capital One is doing.

I typed a 5 page fax (cover page, letter, copy of my important disclosures, & two screen shots showing the 08/2015) to them asked them to correct the docuements. I sent the same fax to the CFPB (Consumer Financial Protection Bureau) I told them I would send them copies of the updated important disclosures when capital one sent them to me via US Mail.

I know there are some variables that hinge on credit....APR, Credlit Limit...I have never heard that the "duration promo months" are hnged on this as well

Have you heard of this ?

I will let you know the outcome....

Re: Capital One Quicksilver APR Discrepancy....

Anonymous — Tue, 28 Oct 2014 15:02:40 GMT

@Andy77 wrote:

Has anyone else noticed this....

I applied for Capital One's excellent credit Quicksilvber card and was approved. It says there is no annual fee, the intro apr is 0.00 until 08/2015..bla bla bla.

When I got the "important disclosures" in the mail yesterday I was reading them and I noticed a typo, or what I think is one. My intro apr on the actual paperwork I got says 0.00 % until 06/2015, a two month difference between what I had agreed to in the application and what was in the "important disclosures"

I called them and I explained that this is not what I had agreed to when i submitted my application, etc and I believe the document had a typo.

I will give you a case in point, I applied for Fidelity Amex and my score was about 680, I got approved for 1000.00 CL and I got the intro 0.00 APR for one year as stated in the application page. I did not get the duration of my APR redecuded because my credit score is/was not as high as John Smith with an 850. This is what Capital One is doing.

I typed a 5 page fax (cover page, letter, copy of my important disclosures, & two screen shots showing the 08/2015) to them asked them to correct the docuements. I sent the same fax to the CFPB (Consumer Financial Protection Bureau) I told them I would send them copies of the updated important disclosures when capital one sent them to me via US Mail.

I know there are some variables that hinge on credit....APR, Credlit Limit...I have never heard that the "duration promo months" are hnged on this as well

Have you heard of this ?

I will let you know the outcome....

Discover, Barclay's do it too.

Re: Capital One Quicksilver APR Discrepancy....

Andy77 — Tue, 28 Oct 2014 15:06:15 GMT

Ok, we will see what happens...I asked for the two months, as stated on the screen of the application terms of what I was approved for. I will let you all know if they send me the corrected documents.

I have never heard of this in my life ....

Re: Capital One Quicksilver APR Discrepancy....

Anonymous — Tue, 28 Oct 2014 15:06:27 GMT

I applied for quicksilverone back in july, and my 0apr is until june 2015.

Re: Capital One Quicksilver APR Discrepancy....

Anonymous — Tue, 28 Oct 2014 15:14:49 GMT

@Anonymous wrote:
I applied for quicksilverone back in july, and my 0apr is until june 2015.

Isnt quicksilverone and quiksilver different? its confusing to me how capitol one has weird card titling. For instance I have quiksilverone-i think? but then the website calls it platinum mastercard. They should be clearer in their product lineup.