I'm gonna assume that even those with closed-loop card will probably transitioned into QS MC same as those who carries the open-loop MC version.
@ArabRising wrote:I don't mind if the card actually looks like this because I have a quicksilver one already and I'd be confused I think the Capital One products standard offering vs the One subprime offering is confusing in the design aspect they appear identical. I just always like to be able to tell my cards apart.
Also any indication what's going to be done for the folks who only have a general Walmart store credit card the non Mastercard variant. Will they just transfer to a more subprime card such as QuickSilver One or Platnium. Surely they won't stay a store card since the merger is ending will they just close completely with no product transfer I would hope not.
Nothing in the mail for me. Nothing on the Cap1 website.
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Got something from C1 today. Not a letter, but replacement store cards that expire 7/30! Our current cards expire 9/24 so it makes no sense they sent out replacement cards, much less with a 7/30 expiry.
@Dilbert934 wrote:Got something from C1 today. Not a letter, but replacement store cards that expire 7/30! Our current cards expire 9/24 so it makes no sense they sent out replacement cards, much less with a 7/30 expiry.
Capital One did state that until they notify you that your rewards program is changing, nothing changed, so if you get good rewards on the store card use it until it quits working.
Our response to a 33.64% Purchase APR QuickSilver was to close the account. Even the QuickSilvers they directly issued to people with lousy credit max out at 29.99%. 
I don't know where you'd go to borrow money at a higher rate than 33.64% if the need arose. Maybe the payday loan store....then tribal loan...then the mafia? 
Spouse's credit is so good now that I doubt there's any reason to ever deal with Capital One again on his side.
Rats... I already have a bad tier bucketed QS that has been stuck at $1500 after the credit steps increase. Then my Walmart MC came over to Cap One from another lender. Then they bucket that card too. Thankfully I was able to get that up to 8K from the previous lender. I wish they would let me combine these two cards.
NFCU GoRewards Sig ($40,000), NFCU Cash Rewards ($40,000), PenFed Power Cash ($25,000), FNBO Evergreen Visa ($20,000), Bread Financial Rewards Amex ($21,150), PNC Cash Rewards ($18,400), PNC Cashbuilder ($18,700) , One Key Mastercard ($14,000), Citi Double Cash ($11,600), Discover It Cash ($9000), Capital One Quicksilver MC ($9000), Bank of America Unlimited Cash Rewards ($7500), Fifth Third Unlimited Cash Back Mastercard ($7500), Wells Fargo Active Cash Sig($7000), Apple Card ($6000), Amex BCE($6000), Amex ED($6600), X1 Card ($5000), PNC Points ($8000), Amex Cash Magnet($2000), Fifth Third Truly Simple ($4000), Truist Spectrum Cash Rewards($4500), Truist Bright Card($4500), CapOne Quicksilver(Bucketed @$1500 manually lowered to $500), US Bank Cash+ ($5,000), US Bank Cash+ ($1,000), WF mortgage 195K Fico 8: EQ 778, TU 765, EX 758 FICO 9:EQ 829, TU 812, EX 791, AAoA-97 months, AoOA-28 years
I too wish they still allowed for people to change or transfer and combine limits. I will never understand why they took that option away. Some people want several of the same card others do not. I will keep it for now, But on my radar is moving my Kohl's card to the new Kohl's reward Visa, which is apparently not even an option. I wish that when you called, they could give you some direct answers, but they always give you the runaround. I also wish they would let you transfer co brand to cobras
C1 has flummoxed everyone on these boards at one time or another, they change in the wind on a whim.
When I called that's what I was told. You can transfer a balance but not combine a balance if that makes sense.
@IsambardPrinceI've got a QS that's got an awful APR as well (32.24% - card started as a QS1 with 26.99% originally). Only recently has Capital One stopped giving me their highest interest rate for a given card (26.24% on Savor). Fortunately I don't pay interest on them, but year the APR sucks anyways.
