@Anonymous wrote:
Quicksilver mc is sub prime as it is still considered a builder card as you need fair to good credit to get approved. Whereas the Quicksilver Visa Card you need excellent credit.
I realize this is subjective and we will all have our own opinions, but I just want to point out that nobody gets approved for a QS MasterCard - it's not available for applications. You have to have an offer to upgrade to it from another Capital One MasterCard product. I realize that some folks get an 'offer' almost right away, but it's likely those people would have qualified for a QS Visa anyway.
That's part of the reason why, in my own opinion, a QS MasterCard is not sub-prime.
But again, there's no 'correct' or 'incorrect' answer to this... I'm just specifiying why I feel the way I do. 
@Anonymous wrote:
Im gonna agree to disagree here as just because its an upgrade card does not mean it is not sub prime...
Subprime can be defined as a high interest card, high af, and credit needed to be approved.
I have never heard of an excellent credit Subprime Card. As in Quicksilver Visa, which you cannot upgrade from Quicksilver MC
Since 'subprime' is completely subjective, we can disagree and both be "correct". 
Again, I'll just point out that it's impossible to be "approved" for a QS MasterCard, and that my QS MasterCard has a lower APR than my QS Visa Signature.
As for never hearing of an "excellent credit subprime card", you're exactly right... which is why I don't consider any QS cards sub-prime, regardless of the network. To get approved for a QS, you have to have "excellent" credit (excellent by Capital One's standards).
Does the APR change? I already have a Quicksilver Visa, but I'd rather have an MC. 23.24% APR is too high for me if it stays that way. 
@UncleB wrote:
@Anonymous wrote:
Im gonna agree to disagree here as just because its an upgrade card does not mean it is not sub prime...
Subprime can be defined as a high interest card, high af, and credit needed to be approved.
I have never heard of an excellent credit Subprime Card. As in Quicksilver Visa, which you cannot upgrade from Quicksilver MCSince 'subprime' is completely subjective, we can disagree and both be "correct".
Again, I'll just point out that it's impossible to be "approved" for a QS MasterCard, and that my QS MasterCard has a lower APR than my QS Visa Signature.
As for never hearing of an "excellent credit subprime card", you're exactly right... which is why I don't consider any QS cards sub-prime, regardless of the network. To get approved for a QS, you have to have "excellent" credit (excellent by Capital One's standards).
+1
This is where I agree with Uncle B...it's all SUBJECTIVE.....there are NO UNIVERSIAL RULES, man!
Different vendors make this crap up as they go along.....there are NO LAWS, No hard and fast rules
I (meaning ANY bank) can call 'whatever' I like 'prime', as I wish
I can even elect to 'bless' a $500 CL card a Signature card if 'I' choose
and Visa isn't even gonna spank my hand....
These stuff is about marketing and controling 'minds' and behaviour...
Which woman or man is 'hot'? Well it depends on whose doing the judging (at 'that' moment b/c even their mind might change with the wind)
Again, it may be easier to say which cards are rebuilders but once we leave that realm, bets are off
It's like saying definitely who has a better husband/wife or house/car........as mentioned above it's impossible
Well, let me correct that.... it's impossible to be either right or wrong.....the only thing that can truly exist is opinions!
@SuperGotenks wrote:Does the APR change? I already have a Quicksilver Visa, but I'd rather have an MC. 23.24% APR is too high for me if it stays that way.
She did tell me they would not change the APR. ☹️
@UncleB wrote:
@Anonymous wrote:
Quicksilver mc is sub prime as it is still considered a builder card as you need fair to good credit to get approved. Whereas the Quicksilver Visa Card you need excellent credit.I realize this is subjective and we will all have our own opinions, but I just want to point out that nobody gets approved for a QS MasterCard - it's not available for applications. You have to have an offer to upgrade to it from another Capital One MasterCard product. I realize that some folks get an 'offer' almost right away, but it's likely those people would have qualified for a QS Visa anyway.
That's part of the reason why, in my own opinion, a QS MasterCard is not sub-prime.
But again, there's no 'correct' or 'incorrect' answer to this... I'm just specifiying why I feel the way I do.
+1
I think we need to be a little more specific. Its Quicksilver One is "sub-prime" and Quicksilver is "prime". Quicksilver One comes in Visa and MasterCard and Quicksilver comes in MasterCard and Visa.
Congrats
