Quicksilver Question

[Anonymous]

I noticed a lot of people who have the QS had the QS1 first. My guess is because the QS1 is the easier of the two cards to get.  I would like to have just the QS. I know I can get the QS1 and product change to a QS but I would like a visa card in my billfold and if I went that route, I know it will stay a Mastercard. Yes, I could just apply for the Chase Freedom but I had some issues with owning a $150 dollar overdraft on a checking account with them I had almost 10 years ago and I'm unsure if i'm blacklisted. Nto sure if I want to risk the hard pull yet. However, This is also an option to get the Visa card I want. But I'm trying to take the ath of least resistance. So, my question: is there any way for me to bypass the QS1 and get the QS. I understand the QS's requirements by Capital one's standards is excellent credit, which is having one card for at least three years with a credit limit of at least $5000 (although I read, on these forums that it has seen been reduced). 

As of right now I only have a Discover card with a $1,500 CL. This has been open for 9 months. I don't plan on applying for any cards until I hit the one year mark. When I do I will be applying for two cards at once so that they can age together. I am also an AU on my fiance's BOA card. That has a 1,500 dollar CL as well and  has been open for 2.5 years. My credit score via my Discover FICO is a 776, I assume it is the same for Equifax as I have the same info (inquires and all) reporting on that bureau. My Discover scorecard puts my Experian FICO is at a 786. 

Does anyone have any experience with obtaining the Quicksilver without having to apply for the QS1 beforehand? If, so any suggestions?

Thanks!

[dragontears]

My SO got the QS visa as his first card, at that point he had been an AU on 2 of my cards for about a year and a half (and his scores are/was lower than yours) so it is completely possible to get the QS visa and skip the QS MC.

[UncleB]

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@Anonymous wrote:

I noticed a lot of people who have the QS had the QS1 first. My guess is because the QS1 is the easier of the two cards to get.  I would like to have just the QS. I know I can get the QS1 and product change to a QS but I would like a visa card in my billfold and if I went that route, I know it will stay a Mastercard. Yes, I could just apply for the Chase Freedom but I had some issues with owning a $150 dollar overdraft on a checking account with them I had almost 10 years ago and I'm unsure if i'm blacklisted. Nto sure if I want to risk the hard pull yet. However, This is also an option to get the Visa card I want. But I'm trying to take the ath of least resistance. So, my question: is there any way for me to bypass the QS1 and get the QS. I understand the QS's requirements by Capital one's standards is excellent credit, which is having one card for at least three years with a credit limit of at least $5000 (although I read, on these forums that it has seen been reduced). 

As of right now I only have a Discover card with a $1,500 CL. This has been open for 9 months. I don't plan on applying for any cards until I hit the one year mark. When I do I will be applying for two cards at once so that they can age together. I am also an AU on my fiance's BOA card. That has a 1,500 dollar CL as well and  has been open for 2.5 years. My credit score via my Discover FICO is a 776, I assume it is the same for Equifax as I have the same info (inquires and all) reporting on that bureau. My Discover scorecard puts my Experian FICO is at a 786. 

Does anyone have any experience with obtaining the Quicksilver without having to apply for the QS1 beforehand? If, so any suggestions?

Thanks!

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I don't think you will have any problems getting approved for the QS Visa with scores of 776/786 (keeping in mind that Capital One will pull all three).  My scores were actually lower when I applied for my QS Visa, and they approved me for $5k.

Actually with those scores, many, many cards are within your reach. 

[bourgogne]

op, what does the c1 pre-qual show?  if you see qs then app for it because the pq is very solid with them

[barthooper]

I got a 10K starting line for a Quicksilver two years ago when I had gotten my first card about 7 months earlier, a $1500 Barclay Rewards. Then they saw fit to approve me for the Sallie Mae a few months later, for $4700.

Prior to 2014 the only thing on my credit reports was my student loans, so it's worth noting that their excellent credit criteria state the following:

• I have had a loan or credit card for 3 years or more with a credit limit above $5,000

Thanks to my wonderful student loans, I qualified as excellent credit, so if you have those or an auto loan, you should as well. These may not even be necessary thanks to your high FICOs. I can't recall what I had at the time, but likely 730 because I was near 720 when I got my second card. Good luck!

[Anonymous]

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@bourgogne wrote:

op, what does the c1 pre-qual show?  if you see qs then app for it because the pq is very solid with them

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I'm opted out due to a security alert I placed on my report. The security alert is not longer active but the credit bureaus opted me out as an additional security measure. I've opted in multiple times despite this and still haven't receved any offers. I've tried the pre-quals and I don't have any offers. My calcuations tell me I will be able to opt back in successfully in late October (they opted me out for 6 months. I requested the alert in March). However, before I was involuntarily opted out, I did receive an offer in the mail for the QS visa and my scores weren't nearly as high.

[Anonymous]

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@barthooper wrote:

I got a 10K starting line for a Quicksilver two years ago when I had gotten my first card about 7 months earlier, a $1500 Barclay Rewards. Then they saw fit to approve me for the Sallie Mae a few months later, for $4700.

Prior to 2014 the only thing on my credit reports was my student loans, so it's worth noting that their excellent credit criteria state the following:

• I have had a loan or credit card for 3 years or more with a credit limit above $5,000

Thanks to my wonderful student loans, I qualified as excellent credit, so if you have those or an auto loan, you should as well. These may not even be necessary thanks to your high FICOs. I can't recall what I had at the time, but likely 730 because I was near 720 when I got my second card. Good luck!

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 Unfortunately for me, I don't have any student loans.

[Anonymous]

The consenus seems to indicate that my scores alone will ge me approved for the QS Visa.  While that is good news, I am worried that my limited history would result in a denial. Any input on this?

[driftless]

I think that you are good for QS Visa. Have you used the Cap One pre-qualified page?

[Anonymous]

I am unsure of what happened when I tried to quote your post. I re-type it here.

I'm opted out due to a security alert I placed on my report. The security alert is not longer active but the credit bureaus opted me out as an additional security measure. I've opted in multiple times despite this and still haven't receved any offers. I've tried the pre-quals and I don't have any offers. My calcuations tell me I will be able to opt back in successfully in late October (they opted me out for 6 months. I requested the alert in March). However, before I was involuntarily opted out, I did receive an offer in the mail for the QS visa and my scores weren't nearly as high