Capital One Quicksilver 1

MsSWS · ‎03-22-2020

I

Do

Not

Like

This

BS card...... Why do I have it?? Started with 500...auto increase after 5 months to 750...

Tried to bump it up ...a no go... Thinking about closing it! 39 dollar annual fee? Why must I keep it?

EQ:632 (10/28/19)
TU:670 (10/28/19)
EX:659 (10/28/19)
Georgia's Own Classic Visa Secured (2016 ) $200sl, Graduated unsecured (2017) $500cl,(2019 cli $1,500
TJX Retail (7/19)$800sl TJX Upgraded Mastercard(03/20)4,000cli
Quicksilver One(7/19)$500sl (01/20)cli of$250$750cl
BOA Cash Rewards (part secured 99/500)(9/19)
NFCU Cash Rewards
(10/19)$13,100sl.+6,000cli(02/20)$19,100
NFCU More Rewards American Express(2/2020) $20,000sl
Discover It(02/20) $5,000sl

Anonymous · ‎03-22-2020

Its not mandatory that you keep it, close as you wish.

AllZero · ‎03-22-2020

Capital One check for upgrade link

MsSWS · ‎03-22-2020

@AllZero wrote:
Capital One check for upgrade link

Thank you..just tried it.. I think the link is expired.. I will call tomorrow see if I'm eligible for upgrade.. If not CLOSED.

EQ:632 (10/28/19)
TU:670 (10/28/19)
EX:659 (10/28/19)
Georgia's Own Classic Visa Secured (2016 ) $200sl, Graduated unsecured (2017) $500cl,(2019 cli $1,500
TJX Retail (7/19)$800sl TJX Upgraded Mastercard(03/20)4,000cli
Quicksilver One(7/19)$500sl (01/20)cli of$250$750cl
BOA Cash Rewards (part secured 99/500)(9/19)
NFCU Cash Rewards
(10/19)$13,100sl.+6,000cli(02/20)$19,100
NFCU More Rewards American Express(2/2020) $20,000sl
Discover It(02/20) $5,000sl

AllZero · ‎03-22-2020

@MsSWS wrote:
@AllZero wrote:
Capital One check for upgrade link
Thank you..just tried it.. I think the link is expired.. I will call tomorrow see if I'm eligible for upgrade.. If not CLOSED.

IIRC, Link is never expired. You just may not be eligible on line. Good luck on calling in. Perhaps, you may get success.

MsSWS · ‎03-22-2020

@AllZero wrote:
@MsSWS wrote:
@AllZero wrote:
Capital One check for upgrade link
Thank you..just tried it.. I think the link is expired.. I will call tomorrow see if I'm eligible for upgrade.. If not CLOSED.
IIRC, Link is never expired. You just may not be eligible on line. Good luck on calling in. Perhaps, you may get success.

Yeah.. You're right it says I'm not eligible. Etc etc.. Or the offer is now gone r something

EQ:632 (10/28/19)
TU:670 (10/28/19)
EX:659 (10/28/19)
Georgia's Own Classic Visa Secured (2016 ) $200sl, Graduated unsecured (2017) $500cl,(2019 cli $1,500
TJX Retail (7/19)$800sl TJX Upgraded Mastercard(03/20)4,000cli
Quicksilver One(7/19)$500sl (01/20)cli of$250$750cl
BOA Cash Rewards (part secured 99/500)(9/19)
NFCU Cash Rewards
(10/19)$13,100sl.+6,000cli(02/20)$19,100
NFCU More Rewards American Express(2/2020) $20,000sl
Discover It(02/20) $5,000sl

AllZero · ‎03-22-2020

@MsSWS wrote:
@AllZero wrote:
@MsSWS wrote:
@AllZero wrote:
Capital One check for upgrade link
Thank you..just tried it.. I think the link is expired.. I will call tomorrow see if I'm eligible for upgrade.. If not CLOSED.
IIRC, Link is never expired. You just may not be eligible on line. Good luck on calling in. Perhaps, you may get success.
Yeah.. You're right it says I'm not eligible. Etc etc.. Or the offer is now gone r something

QS1 are the hardest to product upgrade. If you choose to keep the card, keep checking periodically for upgrade.

Mv350 · ‎03-22-2020

I called in right after I was charged the annual fee and they waived it for me. I'll try again this year. Just keep checking the upgrade link.

AODFCU 3%CB Visa Signature $10,000 @9.99%

Langley FCU Cash Back Visa $7,500 @ 15.00%

Sold my soul for the Gold card, and was given a measly $666 VPSL

Pit-Smoker · ‎03-23-2020

@MsSWS wrote:
I
Do
Not
Like
This
BS card......

Would you like green eggs and ham? :-)

I'm in the exact same boat as you, EXCEPT I started with Plat & PC'd to QS so No Fee. No dice on my bump request(s) either, if it makes you feel any better.

How long have you had it? I got mine in May, and I got both the $750-bump AND the PC in Late November. I also refi'd my truck with COAF in October. I have plenty of spend on it for such a small card, and although I don't PIF, the balance is never more than $100. I also pay extra on the auto loan by about $60 a month. I'd think that between the 2 products, I'd have 'history.'

Going to try again for the CLI in May or whenever this viral/financial junk stops... whichever comes... reasonably.

Rebuilding is like smoking a brisket: it takes a lot of love, the right spice, and a ton of patience. You don't rush a brisket-- it goes low & slow. Sometimes, you need a crutch through the stall. In the end, the process matters.
2021 goals:
1) GARDEN until I app for Mortgage.
2) Pay Down overall revolving debt aggressively and accountably, to under 30%, including my HELOC.
3) Don't waste the gifted 0% time on the student loans.
4) Ultimately, refi the house at non-usury terms.

seattletravels · ‎03-23-2020

@MsSWS wrote:
@AllZero wrote:
Capital One check for upgrade link
Thank you..just tried it.. I think the link is expired.. I will call tomorrow see if I'm eligible for upgrade.. If not CLOSED.

When you call in, see if they'll waive your annual fee.