I had a weak moment - Cap 1 QuickSilver Approval - myFICO® Forums

masscredit · ‎06-19-2023

I noticed a hole in the garden fence this morning so I stepped out to apply for another Cap1 card. lol It kind of started when I tried for a CLI for my Savor card a couple of weeks ago (have had it for 6 statements). I was denied for the reason of "Account too new". I was wondering what the pre-qualification page would show so I checked that out this morning. It gave me 3 options. I was that far into it so I continued on with the application. Rolled the dice and hoped for a limit better than $3000. Nope, I got $3000 which I am happy with. Maybe this one will grow while the other one is in a bucket? I don't know. The Savor was my first non-secured card after my BK.

When it comes to Cap1 cards, they list them for Fair, Good and Excellant credit. My QS is in the Good catagory. Don't remember what the Savor was listed as. Time to close up that hole and stay in the garden for awhile. My goal was to have an AAoA of 1 year before applying for something else. I had a weak moment. At least it had a positive result.

EQ - 698 / TU - 682 / EX - 692

Capital One Savor - $17000 / AAA Travel Advantage Visa - $14000 /Capital One Venture - $13000 /Bread Rewards AMEX - $11950 /Apple Card - $8500/ TD Cash Card - $7500 / TD Double Up - $7000 / Mercury - $5000 / Ally Master Card - $4300 / DCU Visa - $3000 / Capital One QuickSilver - $600
$91,850
DCU Auto Loan

FireMedic1 · ‎06-19-2023

Congrats @masscredit . The $3000 SL is usually not the bucket card. Go fix the fence now.

BK Free Aug25

M_Smart007 · ‎06-19-2023

Congratulations on your Approval 🎉

coreyb80 · ‎06-19-2023

Congrats on the approval!

MileHigh96 · ‎06-19-2023

Congrats on your new QS card!

BK7 discharged - 06JUL2021
Loans:

Revolving Accounts (in the order they were opened):

Ally Everyday Cash Back Mastercard (converted from Ollo Platinum Rewards Mastercard) $5700 CL (opened 7/21/21)

Mercury Mastercard $5060 CL (opened 7/23/21)

Upgrade Triple Cash Rewards Visa Card $17,500 LOC (opened 8/4/21)

PenFed Pathfinder Rewards $6000 CL (opened 11/9/21)

Dell Pay Credit (converted from Dell Financial Services account) $8500 CL (opened 12/6/21)

Capital One Kohls Visa (converted from Kohls store card) $4050 CL (opened 12/13/21)

Upgrade Cash Rewards Visa Card $7,000 LOC (opened 3/17/22)

Capital One Quicksilver MC (PC'd from a Platinum card) $3200 CL (opened 5/6/22)

Capital One Savor One MC $5000 CL (opened 10/20/22)

Merrick Bank Double Your Line MC $2500 CL (opened 11/1/22)

NFCU cashRewards Plus $36000 CL (opened 3/17/23)

Affinity FCU Pure Rewards Visa $1500 CL (opened 5/18/23)

Bread Cashback AmEx $16500 CL (opened 5/23/23)

Canvas Select MC $3000 CL (opened 5/25/23)

NFCU Go Rewards Visa $27000 CL (opened 6/16/23)

Petco Pay Mastercard $5100 CL (opened 6/29/23)

Barclays GM Rewards Mastercard (converted from GS My GM Rewards Card Mastercard) $5500 CL (opened 8/1/23)

Denver Broncos Extra Point Visa $12500 CL (opened 12/8/23)

NFCU More Rewards AmEx $17000 CL (opened 2/8/24)

Ally Unlimited Cash Back Mastercard $3000 CL (opened 4/3/24)

Service Credit Union Everyday Visa $2500 CL (opened 8/19/24)

BECU Cash Back Visa $16000 CL (opened 8/21/24)

Best Buy Platinum Visa $4000 CL (opened 10/17/25)

Liberty FCU Platinum Credit Rewards Mastercard $12000 CL (opened 11/5/25)

Capital One T-Mobile Visa $16000 CL (opened 11/7/25)

Lands' End Visa $6800 CL (opened 11/13/25)

Associated Bank Max Cash Preferred Visa $500 CL (opened 11/17/25)

Affinity FCU Cash Rewards Visa $7500 CL (opened 11/18/25)

Williams Sonoma Signature Visa $7500 CL (opened 06/12/26)

AmEx Blue Cash Everyday Card $5000 CL (opened 07/15/26)

Closed accounts:

Mission Lane Visa - first starter card after discharge (opened 7/7/21 - closed 4/1/23)

Capital One Quicksilver MC (downgraded from a Walmart Rewards MC and transfered CL to older QS card) (opened 11/4/22 - closed 04/09/25)

Best Egg Visa (opened 05/17/22 - closed 04/14/25)

2/6, 8/12, 10/24 new accounts
TCL: $239.4K

Rdbeetle · ‎06-19-2023

Congrats on your CapOne $3k approval!

SchoolsFirst FCU Rewards WMC $25k
US Bank Smartly VS $15k
AMEX BCE $10k
Walmart CashRewards WMC $10k
FICO 8 Scores: EX 810 I TU 810 I EQ 810

CreditMagic7 · ‎06-19-2023

Congrats on the new approval!

GZG · ‎06-19-2023

very nice approval, congrats!! and both cards should have some limited upwards mobility, just give them spend and time

@masscredit wrote:
When it comes to Cap1 cards, they list them for Fair, Good and Excellant credit. My QS is in the Good catagory. Don't remember what the Savor was listed as.

there's two versions of the Quicksilver and the Savor One

a 'for good credit' version (yours for both)

and an 'excellent credit' version

the 'for good credit' version (typically, but can be different based on the terms that they present which you agree to)

has a 29.99% apr, no 0% apr and no SUB

the 'excellent credit' version has

a range of APRs, 0% apr for 15? months and a $200 SUB

Starting FICO 8:

Current FICO 8:

BigBS · ‎06-19-2023

Congrats on the QS approval!

Score: EQ(784) EX(788) TU(792)
INQs: EQ(2) EX(6) TU(2)
Last INQ: 08 Jul 25

Total Credit Limit - $2.0M

user979797 · ‎06-19-2023

Congrats to you on your approval with Capital one

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I had a weak moment - Cap 1 QuickSilver Approval

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