What does it take to get a Quicksilver...

[thelethargicage]

...with a 5K+ limit?

• 0 apps on any CRA?
• 3+ years with a card with 5K+ CL?
• Spotless payment history?
• AAoA over 4 years?
• 1% utilization?
• 760+ FICO?

Anybody know or care to guess?

[Stage24u]

Go thru the EO.

PC is easy when going that route.

[Creditaddict]

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@thelethargicage wrote:

...with a 5K+ limit?

• 0 apps on any CRA?
• 3+ years with a card with 5K+ CL?
• Spotless payment history?
• AAoA over 4 years?
• 1% utilization?
• 760+ FICO?

Anybody know or care to guess?

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Do you have Capital One currently?

Have you gone to Capitalone.com and ran pre-qual and not seen an offer come back?

[thelethargicage]

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@Stage24u wrote:

Go thru the EO.

PC is easy when going that route.

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Oh, I meant getting it from scratch by applying for it, not thru PC.

[Creditaddict]

go check pre-qual on site and tell us what is offered to you.

[longtimelurker]

Their definition of Excellent Credit is pretty forgiving:

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year.

And

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

So even a 60 day late in the last 12 months can be OK, whereas I suspect most issuers don't consider that excellent.   Also pretty sure there have been exceptions to the second clause too (although perhaps getting a CL under $5K)

[thelethargicage]

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@Creditaddict wrote:

go check pre-qual on site and tell us what is offered to you.

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I tried the Card Finder tool and rated my credit as excellent and cashback as my preferred benefit, and turns out I'm pre-qualified for the Quicksilver, VentureOne and Platinum Prestige.  I tried it again, but this time I rated my credit as average and I got the same results.

Now, what do they mean by 'pre-qualified'?

[GaTech]

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@thelethargicage wrote:

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@Creditaddict wrote:

go check pre-qual on site and tell us what is offered to you.

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I tried the Card Finder tool and rated my credit as excellent and cashback as my preferred benefit, and turns out I'm pre-qualified for the Quicksilver, VentureOne and Platinum Prestige.  I tried it again, but this time I rated my credit as average and I got the same results.

Now, what do they mean by 'pre-qualified'?

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Sounds like you have the green light to apply

[Creditaddict]

If you are getting Congrats we found these offers for you then you are basically approved... just APPLY!

[MissCredit9]

The Quicksilver is super easy to get.