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Capital One, Quicksilver One Approval - First Unsecured Bank Card!

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Contributor

Capital One, Quicksilver One Approval - First Unsecured Bank Card!

So, today, I received an alert that my Exp FICO 8 had risen to 639. 

 

Later on I checked the Capital One prequal site and to my surprise, and for the very first time, I was matched with something other than the secured card.  I was  matched with the classic and quicksilver one.

 

I apped for the Quicksilver One and was approved with a credit limit of $300.00. 

 

This is my first unsecured visa since I started rebuilding my credit a few months ago.  I have seen so much progress since I started and can't wait to see where the future takes me.

 

I will manage it carefully, and hopefully, in six months get a nice increase.

 

 

Message 1 of 13
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Established Contributor

Re: Capital One, Quicksilver One Approval - First Unsecured Bank Card!


@geekmama wrote:

So, today, I received an alert that my Exp FICO 8 had risen to 639. 

 

Later on I checked the Capital One prequal site and to my surprise, and for the very first time, I was matched with something other than the secured card.  I was  matched with the classic and quicksilver one.

 

I apped for the Quicksilver One and was approved with a credit limit of $300.00. 

 

This is my first unsecured visa since I started rebuilding my credit a few months ago.  I have seen so much progress since I started and can't wait to see where the future takes me.

 

I will manage it carefully, and hopefully, in six months get a nice increase.

 

 


Way to go! Congratulations!!!  Isn't it an awesome feeling?!   Smiley Very Happy  Take care of that card as if it is gold and your scores will improve more and more.  Rebuilding is a tough road. You've done a great job getting your scores up.  Now keep it going. Smiley Wink

gardening: 01/05/2019 updated: 01/23/2019 rebuild: 2/2016 EQ 648 TU 642 EX 663
Start Mort: EQ 800 TU 800 EX 805 Fico 8: EQ 794 TU 806 EX 825
Curr Mort.: EQ 800 TU 800 EX 805 Fico 8: EQ 794 TU 806 EX 825
Goal Mort.: EQ 850 TU 850 EX 850 Fico 8: EQ 850 TU 850 EX 850
Take the myFICO Fitness Challenge
Message 2 of 13
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Moderator

Re: Capital One, Quicksilver One Approval - First Unsecured Bank Card!

Congrats!!!!! You're moving in the right direction! Very excited for you! 

Got some pruning to do... No more new cards!
Message 3 of 13
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Frequent Contributor

Re: Capital One, Quicksilver One Approval - First Unsecured Bank Card!

Congrats!! Remember you can request a CLI at three months! Plus it's always a soft pull with cap one. And also remember to ask to PC to Quicksilver so you don't have to pay the annual fee. Was it enrolled in credit steps as well?
Message 4 of 13
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Contributor

Re: Capital One, Quicksilver One Approval - First Unsecured Bank Card!

How would I tell if it's in credit steps?
Message 5 of 13
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Valued Contributor

Re: Capital One, Quicksilver One Approval - First Unsecured Bank Card!

Congratulations. C1 gave me my first card in rebuilding, too. I still have it - started with $1800 spending limit...eventually grew to the $17k it is today.

 

Your benefit is that you've found this place and are well on the way to rebuild - I didn't really start paying attention until about 2 years ago. Smiley Happy

Message 6 of 13
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Valued Member

Re: Capital One, Quicksilver One Approval - First Unsecured Bank Card!

CONGRATS!!!

Message 7 of 13
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Senior Contributor

Re: Capital One, Quicksilver One Approval - First Unsecured Bank Card!

Congrats on your first unsecured cc.  If you treat it well it will be the key to a successful credit path Smiley Happy

Message 8 of 13
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Valued Contributor

Re: Capital One, Quicksilver One Approval - First Unsecured Bank Card!

Congratulations on your Cap 1 QS1 approval. It was my first card after my BK-7. It felt so good to be approved. As for credit steps, I received a message about a month after account opening stating that I will receive an automatic credit limit increase after 5 on-time payments!!! 

"Hover mouse over cards to see CL and APR info"


Message 9 of 13
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Regular Contributor

Re: Capital One, Quicksilver One Approval - First Unsecured Bank Card!

Yay! Congratulations!



FICO 08 Scores (as of October 2017) - Equifax: Unknown | Experian: 742 | TransUnion: 761 | GARDENING until December 2018
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