Quicksilver Visa Denied

[Anonymous]

The QuickSilver is a Visa Signature card that requires a minimum 5k CL. From your scores and limits, I can see why they might be hesitant, but not all hope is lost! You should consider calling recon and asking about the QuickSilver One MasterCard. I think that would be a good route to get your foot in the door, and once your CL is high enough, PC over to that VS card. I hope everything works out for you!

[dms42]

My advice is to wait too. I can see you're making progress, but the scores are still a bit low and the baddies are still showing. Patience is SO hard, but in this case gardening is your best friend. ☺

[OmarGB9]

I agree, op. Your profile is still young.

[Anonymous]

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@Anonymous wrote:

The QuickSilver is a Visa Signature card that requires a minimum 5k CL. From your scores and limits, I can see why they might be hesitant, but not all hope is lost! You should consider calling recon and asking about the QuickSilver One MasterCard. I think that would be a good route to get your foot in the door, and once your CL is high enough, PC over to that VS card. I hope everything works out for you!

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They changed the rules, now the minimum credit line for Quicksilver VISA Signature is 3k. 

[UncleB]

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@Anonymous wrote:

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@Anonymous wrote:

The QuickSilver is a Visa Signature card that requires a minimum 5k CL. From your scores and limits, I can see why they might be hesitant, but not all hope is lost! You should consider calling recon and asking about the QuickSilver One MasterCard. I think that would be a good route to get your foot in the door, and once your CL is high enough, PC over to that VS card. I hope everything works out for you!

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They changed the rules, now the minimum credit line for Quicksilver VISA Signature is 3k. 

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+1

In the past, folks who were borderline for the Quicksilver Visa Signature were issued a Quicksilver Visa Platinum with a minimum credit line of $3k. 

With patience the OP's existing Capital One cards will grow, and the QS1 can be PC'd to a 'regular' Quicksilver.  It will remain MasterCard, though... Capital One won't move an account from one network to the other, at least not at this time.  My own QS1 had a limit similar to the OP's, and it has grown nicely.  I eventually qualified for a QS Visa Signature, which has grown nicely as well.

If I were the OP, I would continue to check the Capital One pre-qual page... the offers there are usually spot-on.  Some folks have been successful with a 'cold app', but since the application will be a HP on all three credit bureaus I prefer to have a little reassurance of the outcome.

[Anonymous]

Wow really? When did that happen? I must be out of the loop. Does that only apply for Cap1/QS?

[Anonymous]

I hear all of you that is essentially what I'm gonna do... hopefully the accounts grow nicely. The wierdest thing just happened, as a result of the inquiry, my EQUIFAX FICO jumped 24 points!! That was beyond the opposite of what I expected.... my TRANSUNION also jumped 12 points 5 days ago... the TU I can understand, but the EQUIFAX??

[OmarGB9]

Is it for sure you'd get a visa sig at $3k? I realize $3k is the minimum SL, but how do we know for certain it would come as a VS?

[dms42]

So my Chase Marriott Premier looks like its gonna be a denial. After 20 days pending, the automated message changed from "30 days" to "7-10 days." Im on the line with Lending now...figure I've got nothing to lose at this point. I travel alot for work and stay at Marriott hotels exclusively, so it would be nice. We'll see, but I'm not optimistic.

[Anonymous]

Sorry for your back and forth. Nothing worse than having to wait for a denial or approval. Can your give us an,update? Also, does anyone have any input on why my FICO score would have jumped like that?