Cap One Quicksilver invite

Anonymous · ‎10-04-2021

Been with Cap One for nearly a year now, clean payment history. They are offering quicksilver with no AF. Do I take the offer or hold out for something better? I asked if my current platinum would graduate and they said this would be a whole new card

Rebuild2019 · ‎10-04-2021

Hello, I would take the Quicksilver over the platinum. A better card in my opinion. Good luck.

Aim_High · ‎10-04-2021

I think the Quicksilver is a great solid cash back card, @Anonymous. When it came out in 2013, the 1.5% rewards on it were actually high for that period even though 2% cards have become more common since then. Since you've previously indicated that you're in a rebuild mode and therefore your overall choices might be limited, I think a no-AF Quicksilver would be a great addition to your wallet.

See this recent My Fico posting I made that discusses some finer points with Capital One. Even though I didn't use them for build/rebuild, I think they are still a great bank.

Business Cards

Length of Credit > 42 years; Total Credit Limits > $947K
Top Lender TCL - Chase 156.4 - BofA 99.9 - CITI 97.5 - AMEX 95.0 - NFCU 80.0 - SYCH - 65.0
AoOA > 32 years (Jun 1993); AoYA (Oct 2024)
* Hover cursor over cards to see name & CL, or press & hold on mobile app.

Trini88 · ‎10-04-2021

I wouldn't take it. Your Platinum will graduate to Quicksilver. After my Platinum upgraded to Quicksilver they offered me the SavorOne.

They had offered me the Quicksilver while my Platinum was still Platinum and I'm happy I didn't take the offer.

10/19 Quicksilver: $2K
3/21 Americard pc Customized Cash Rewards: $30K
6/21 Target RedCard: $700
6/21 Discover It: $8.5K
6/21 Victoria Secret: $6K
6/21 Savor: $2.3K
7/21 Walmat MC pc VentureOne: $4.1K
8/21 Amex BCP: $25K
11/21 Lowes Advantage: $35K
11/21 FNBO Evergreen: $25K
11/21 GS Apple Card: $4K
4/22 Chase Amazon Prime: $11.2K
7/22 Amex BCE: $8.4K
10/24 Amex Gold: Charge Card

Anonymous · ‎10-04-2021

That's what we were hoping, but do they still do this? I don't want to blow the inquiry unless I have to

Brian_Earl_Spilner · ‎10-04-2021

Why don't you check to see if there's an upgrade available?

Log into your account and choose the platinum. In the address bar, add /productupgrade after the =

Hit enter and see what it says.

Anonymous · ‎10-04-2021

You rock!!!! Yes, it gives me AND MY WIFE Quicksilver upgrade!!! This is amazing, we have been waiting for this since rebuild

Brian_Earl_Spilner · ‎10-04-2021

My work here is done

Trini88 · ‎10-04-2021

@Anonymous wrote:
You rock!!!! Yes, it gives me AND MY WIFE Quicksilver upgrade!!! This is amazing, we have been waiting for this since rebuild

Yup I did the same thing with the link and got my upgrade that way. Capital One didn't want to upgrade my card for me so I did it myself.

See, no triple pull and you got the card. Congrats!

10/19 Quicksilver: $2K
3/21 Americard pc Customized Cash Rewards: $30K
6/21 Target RedCard: $700
6/21 Discover It: $8.5K
6/21 Victoria Secret: $6K
6/21 Savor: $2.3K
7/21 Walmat MC pc VentureOne: $4.1K
8/21 Amex BCP: $25K
11/21 Lowes Advantage: $35K
11/21 FNBO Evergreen: $25K
11/21 GS Apple Card: $4K
4/22 Chase Amazon Prime: $11.2K
7/22 Amex BCE: $8.4K
10/24 Amex Gold: Charge Card

Anonymous · ‎10-07-2021

Just got a preapproval for the SavorOne card in the email this morning