Cap1 Quicksilver Vs Quicksilver 1?

[_NERD]

I started a chat with them around the time you replied. Shot down for the AF waived. July something is when I get billed the "membership fee" for the year. Shot down for PC again, try again in a few weeks. I made it all the way to an account specialist.

I'll try again in a couple weeks for a PC via chat. Maybe EO for permanent AF waiver. Then I won't mind if I ever PC.

[Anonymous]

After viewing this thread, I didn't notice that my QS-1 card had an annual fee. Pretty bad on my part. This card is pretty much my daily driver. Started with a $300 Credit Limit, and up to $4.3k at the moment. 

I called in inquiring about it, and they did indeed confirm that there was a fee involved. I mentioned paying off the account, and closing it. The represantive quickly said "no need, we can get the fee permanntely waived for you" ( she mentioned "we really wouldn't want to lose you" ). After basically re-reading the same terms as before, my QS-1 Card no longer has a annual fee. 

[UncleB]

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@Anonymous wrote:

After viewing this thread, I didn't notice that my QS-1 card had an annual fee. Pretty bad on my part. This card is pretty much my daily driver. Started with a $300 Credit Limit, and up to $4.3k at the moment. 

I called in inquiring about it, and they did indeed confirm that there was a fee involved. I mentioned paying off the account, and closing it. The represantive quickly said "no need, we can get the fee permanntely waived for you" ( she mentioned "we really wouldn't want to lose you" ). After basically re-reading the same terms as before, my QS-1 Card no longer has a annual fee. 

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It's great to hear you got that AF taken care of! 

Do you know if they permanently waived your fee, or did you get upgraded to a QS?  If you were upgraded they'll send you a new card (same account number, but with "Quicksilver" instead of "Quicksilver One").  Either way is really the same outcome, I just seldom hear of a perma-waiver.

Again, congrats!

[UncleB]

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@_NERD wrote:
I started a chat with them around the time you replied. Shot down for the AF waived. July something is when I get billed the "membership fee" for the year. Shot down for PC again, try again in a few weeks. I made it all the way to an account specialist.

I'll try again in a couple weeks for a PC via chat. Maybe EO for permanent AF waiver. Then I won't mind if I ever PC.

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Don't give up, _NERD!

Just keep trying via chat... it can be elusive for some (like myself) but in the end it was worth the wait - I now have a no-AF card with lots of history and good rewards.  I'll also add that if they haven't given you a PC by the time your AF hits in July you can ask for a waiver then... even if they only waive half that's still better than nothing, and it gives you another whole year to work on it!

Hang in there! 

[Anonymous]

[quote]

After viewing this thread, I didn't notice that my QS-1 card had an annual fee. Pretty bad on my part. This card is pretty much my daily driver. Started with a $300 Credit Limit, and up to $4.3k at the moment. 

I called in inquiring about it, and they did indeed confirm that there was a fee involved. I mentioned paying off the account, and closing it. The represantive quickly said "no need, we can get the fee permanntely waived for you" ( she mentioned "we really wouldn't want to lose you" ). After basically re-reading the same terms as before, my QS-1 Card no longer has a annual fee. [/quote]

I'm assuming it's an "upgrade" then. They are sending me a new card, same account number, still master card, etc.

I did this just in time too, as my AF was coming up next month!

[SunriseEarth]

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@Anonymous wrote:

After viewing this thread, I didn't notice that my QS-1 card had an annual fee. Pretty bad on my part. This card is pretty much my daily driver. Started with a $300 Credit Limit, and up to $4.3k at the moment. 

I called in inquiring about it, and they did indeed confirm that there was a fee involved. I mentioned paying off the account, and closing it. The represantive quickly said "no need, we can get the fee permanntely waived for you" ( she mentioned "we really wouldn't want to lose you" ). After basically re-reading the same terms as before, my QS-1 Card no longer has a annual fee. 

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Sounds like they upgraded you to QS.   When you PC the QS1, you retain the account number and it is still MC.

[Anonymous]

Quicksilver 1 is way sub-prime.  You should have gone with the Quicksilver Visa Sig.  At best the Quicksilver 1 can be upgraded to a World Mastercard once you establish a higher limit and history.  

[SSPA87]

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@Anonymous wrote:

Quicksilver 1 is way sub-prime.  You should have gone with the Quicksilver Visa Sig.  At best the Quicksilver 1 can be upgraded to a World Mastercard once you establish a higher limit and history.  

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I was mistaken in my late Night stupor. .. it was Platinum or QS1. I'll take the QS1 over the Platinum for the 1.5% cashback. Probably should have just waited until my scores went up a bit more & apped for Discover but it is what it is at this point! Already got the HP so I'll deal with the card for a bit I guess!

[UncleB]

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@SSPA87 wrote:

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@Anonymous wrote:

Quicksilver 1 is way sub-prime.  You should have gone with the Quicksilver Visa Sig.  At best the Quicksilver 1 can be upgraded to a World Mastercard once you establish a higher limit and history.  

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I was mistaken in my late Night stupor. .. it was Platinum or QS1. I'll take the QS1 over the Platinum for the 1.5% cashback. Probably should have just waited until my scores went up a bit more & apped for Discover but it is what it is at this point! Already got the HP so I'll deal with the card for a bit I guess!

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IMO, you can do much, much worse than a QS1.  It's not on-par with Discover, but it's not meant to be - it's for folks who are just starting off or rebuilding, and in time it can usually be upgraded to a no-AF QS.

[Anonymous]

^^^+1

My QS1 started at $3k, is now at an $8.5k no annual fee QS WMC. It's grown nicely in just 9 months. These cards can really grow nicely, which is awesome. There are way, way worse out there branded for rebuilding.