QUICK SILVER ONE PROS AND CONS

[tbea1004]

Can someone fill me in on the pros and cons on the QS1? I was just approved yesterday for 1k. When I recieve the card I want to ask for a CLI. Is this a good card to have?

[kdm31091]

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@tbea1004 wrote:

Can someone fill me in on the pros and cons on the QS1? I was just approved yesterday for 1k. When I recieve the card I want to ask for a CLI. Is this a good card to have?

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Sorry to burst your bubble a bit but Capital One isn't really known for "recieve card and recon initial limit" type of things. They generally run conservative especially with new accounts. (except for the Venture card for whatever reason, where they seem to trend towards high limits)

You're going to have to just use it responsibly for probably 6 months and then ask for a CLI. Nothing happens overnight. You have to be patient.

As for the card itself, I love my Quicksilver. You have the QS1 so there is the small annual fee, but it's still a good rewards card for general spend and no hassle posting of rewards. Redemption is also a piece of cake with no minimums.

I don't know how long it has to remain open but after awhile you can try to PC to the normal Quicksilver and/or get your fee removed. Again, this is after showing several months, maybe a year, of history. Prove to them you are a risk-free, reliable customer and you will be rewarded. Asking for a CLI now is likely a complete waste of time.

[Anonymous]

Not to be harsh, but in addition to what KDM stated, it is always best to know whether the card is good for you before applying for it based on your spending habits instead of applying and then asking if this is a "good card"...

[taxi818]

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@kdm31091 wrote:

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@tbea1004 wrote:

Can someone fill me in on the pros and cons on the QS1? I was just approved yesterday for 1k. When I recieve the card I want to ask for a CLI. Is this a good card to have?

---

Sorry to burst your bubble a bit but Capital One isn't really known for "recieve card and recon initial limit" type of things. They generally run conservative especially with new accounts. (except for the Venture card for whatever reason, where they seem to trend towards high limits)

You're going to have to just use it responsibly for probably 6 months and then ask for a CLI. Nothing happens overnight. You have to be patient.

As for the card itself, I love my Quicksilver. You have the QS1 so there is the small annual fee, but it's still a good rewards card for general spend and no hassle posting of rewards. Redemption is also a piece of cake with no minimums.

I don't know how long it has to remain open but after awhile you can try to PC to the normal Quicksilver and/or get your fee removed. Again, this is after showing several months, maybe a year, of history. Prove to them you are a risk-free, reliable customer and you will be rewarded. Asking for a CLI now is likely a complete waste of time.

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+1 once you get out of credit steps then you will be on your way with capital one. getting better cards. 6 months. use it a lot. and they will show some luv.

[jamesdwi]

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@tbea1004 wrote:

Can someone fill me in on the pros and cons on the QS1? I was just approved yesterday for 1k. When I recieve the card I want to ask for a CLI. Is this a good card to have?

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hopefully its part of the credit steps program, make your first 6 payments and they should grow the CL by 50%, use the hell out of it, max it out, PIF, and they may give you a bigger CLI, if you have an AF, ask for it to be waived after the first year of good use, after that you can reach out to EO and possibly have it removed permanent. 

Decent rewards, decent company. in time you will can apply for a Venture card.  Tripple pull sucks, but over all its not bad. 

[UncleB]

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@tbea1004 wrote:

Can someone fill me in on the pros and cons on the QS1? I was just approved yesterday for 1k. When I recieve the card I want to ask for a CLI. Is this a good card to have?

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Both the QuickSilver One and the QuickSilver are great cards... I have both.

The only difference between the two is the QS1 has an annual fee, and the QS does not.  Of course, the QS1 is always issued as a MasterCard, while the QS is always issued (as a new account) as Visa, but a QS1 Mastercard *can* with time be product changed into a no-annual fee QS Mastercard. (To the best of my knowledge, you'll never see a QS1 Visa).

I've never heard of anybody getting a CLI immediately out of the gate, but with my QS Visa I was able to get a significant CLI four months after I got the card using the CLI button.  It is only a SP, so there's no harm in trying.  Keep in mind that if you are offered a CLI and accept, you are (generally) not able to get another one using the button for around six months.  Knowing this many folks will decline the CLI if it's really low, opting to try again in a few weeks for a larger one, but YMMV.

Enjoy your 1.5% cash back... it adds up fast! 

[bengalikejenga]

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@kdm31091 wrote:

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@tbea1004 wrote:

Can someone fill me in on the pros and cons on the QS1? I was just approved yesterday for 1k. When I recieve the card I want to ask for a CLI. Is this a good card to have?

---

Sorry to burst your bubble a bit but Capital One isn't really known for "recieve card and recon initial limit" type of things. They generally run conservative especially with new accounts. (except for the Venture card for whatever reason, where they seem to trend towards high limits)

You're going to have to just use it responsibly for probably 6 months and then ask for a CLI. Nothing happens overnight. You have to be patient.

As for the card itself, I love my Quicksilver. You have the QS1 so there is the small annual fee, but it's still a good rewards card for general spend and no hassle posting of rewards. Redemption is also a piece of cake with no minimums.

I don't know how long it has to remain open but after awhile you can try to PC to the normal Quicksilver and/or get your fee removed. Again, this is after showing several months, maybe a year, of history. Prove to them you are a risk-free, reliable customer and you will be rewarded. Asking for a CLI now is likely a complete waste of time.

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+1 to everything KDM wrote

[Anonymous]

only con about quicksilver one is annual fee, but you can ask them to PC it to regular quicksilver card in couple months.

[Anonymous]

Capital one does not give cli by calling. You are stuck with what you have for at least 3 months. That is one I got my first cli via luv button.

[Anonymous]

This is simply not true! You are misinformed. I just got approved for a quicksilver one for a measly $500. I called and reconed the limit as soon as it came in the mail. I spoke with the EO who confirmed it should have been higher. They upped the limit to $1000 PLUS I am in credit steps, lol. I love Capital 1.