I had a very bad customer service experience with Cap1 on their banking side, and I told them at the end of the conversation that I would no longer have any financial relationship with them. I just closed my cap1 quicksilver card, and you can do it online. Wowww they really do not have any qualms about customer retention huh.
I replaced it with the HSBC 1.5% (and 10% annual bonus) rewards card. I got the Uber card at the end of last year and between that, my amex, and my double cash card I have not had a real need for my quicksilver anyways.
HSBC is owned by Capital One!!
Starting Score: 544
@tricie17 wrote:HSBC is owned by Capital One!!
Actually they're not... most of the old HSBC credit card portfolio was sold to Capital One in 2012 but now HSBC is issuing their own personal cards again.
Anybody who apps for an HSBC card now will be with HSBC. 
@UncleB wrote:
@tricie17 wrote:HSBC is owned by Capital One!!
Actually they're not... most of the old HSBC credit card portfolio was sold to Capital One in 2012 but now HSBC is issuing their own personal cards again.
Anybody who apps for an HSBC card now will be with HSBC.
+1. HSBC is much bigger than Cap One (7th largest in the world)
May not have many/any cards left over time if this remains your policy. You could be doing yourself a disservice by not evaluating the product in totality.
There is a difference between a bad customer service experience and an unforgivable customer service experience. This was the latter. In addition, all of my current cards are better than my QS.