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Approved for Quicksilver upgrade!

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New Visitor

Approved for Quicksilver upgrade!

I am still fairly new to my credit journey and my first credit card was the Journey card from capital one. I've had it for about 4.5 months and unexpectedly, I had an upgrade offer to Quicksilver card with no annual fee which I gladly took bc QS was the card I wanted in the first place but could not apply bc I did not have credit history. Now that I am upgraded to QS, i want to aim to get an excellent score credit card from capital one. I keep my credit utilization low and I ALWAYS pay my balance in full every period. I also got an CLI in my other credit card(discover) recently and I am keeping up with good credit habits with that one too. My credit score is in the mid-700 range. The only "negative" thing in my case would be that my credit age isnt so old. How hard and long would it to be to get an upgrade from QS to Venture/Venture1 card?
Message 1 of 13
12 REPLIES 12
Senior Contributor

Re: Approved for Quicksilver upgrade!

Congrats. Looks like you have 2 cards right? Let 1 report $5 statement cut. Dont let all $0 show for statement cuts. Drops your score. 3 is best for FICO scoring. Forget the Venture One. Not worth it. Get some more age and try the Savor 1. Or even another card that suits your spend. Keep up the great work!





My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC. My siggy is not to brag at all. Just to show fellow members what can be accomplished when you do it right and play the FICO Credit Game.
Message 2 of 13
Regular Contributor

Re: Approved for Quicksilver upgrade!

Congrats on the upgrade!

 

I hope to eventually get an upgrade to the QS as well...fingers crossed.

Message 3 of 13
New Visitor

Re: Approved for Quicksilver upgrade!

I've also thought of the savor card too as it does seem to suit my lifestyle as of now (as a student) I'll keep my possibilities open thank you for the feedback!

Message 4 of 13
Frequent Contributor

Re: Approved for Quicksilver upgrade!

Congratulations on your upgrade! 

Message 5 of 13
Frequent Contributor

Re: Approved for Quicksilver upgrade!

Congrats on the upgrade!!
Current Fico 8 Scores:

Credit Goal:

Gardening until 2021

Current Cards:


Wish List:



Message 6 of 13
Senior Contributor

Re: Approved for Quicksilver upgrade!

Congratulations on your upgrade!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 7 of 13
Regular Contributor

Re: Approved for Quicksilver upgrade!

Congrats on the nice upgrade.
Where do you check or see the offers?

My QS1 is 3 months old but i really wanna PC to regular QS sometime!

 

Also can you share any datapoints e.g. your usage and payment pattern on the card which led to the offer showing up?

BofA Cash: 6k
Citi Premier: 5k
Citi DC: 4k
Chase Amazon: 4k
Cap1 QS1: 1.5k
Barclays Uber: 0.5k







Next App in: Late Oct 2019

Torch bearer of the Bucketeers' Society. Shamefully carrying a bucketed Cap One QS1 with AF & zero chance of a PC.
Message 8 of 13
Frequent Contributor

Re: Approved for Quicksilver upgrade!

Congrats!!!!! 

 

And I'm jealous! Haha -- Plan on rolling my CapOne Platinum & QS1 into a Quicksilver after a year, got about 6 months to go on that. QS is a great card and those can grow very nicely. 

 

I'm more and more impressed with Capital One the more I deal with them, they're wiling to give people a chance and those journey cards are excellent starter cards for youing people. 


AMEX Gold / Home Depot CC $3K/ Discover IT Chrome $2K SL / PayPal MC $2K /
BOA BankAmericard $2K / BOA Cash Rewards $1000 / Cap One Savor One $1000 / Blaze MC $1500 / Credit One $850 / OpenSky $500 / AvantCard $500 / Discover IT Cash Back (Graduated Secured) $200 CLI to $400 / EBAY MC $300
Jan of 2017 Credit Karma: 404 -SEPT OF 2018: EX 652 EQ 626 TU 604
AUGUST OF 2019 1% UTL - EX 681 EQ 667 TU 659
Total Credit Limit: $16150 -
Goal Score: 675 for all FICOS (ACHIEVED EX)
Message 9 of 13
New Visitor

Re: Approved for Quicksilver upgrade!

@CreditRebuilder2020

 

Same with me! I was very impressed on their leniency to those who deserved it. The Jouney card was really a great starter cause I'm just a student that was new to credit and it led me here to get a QS! 

I hope you get yours too soon Smiley Happy

Message 10 of 13
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