Avoid Making These 5 Mistakes With YOUR Capital One Quicksilver Card
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- čas přidán 25. 07. 2024
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Good afternoon great video what if u r retired like me
I recently received and Quicksilver Card after having a bankruptcy. I know, I do not know how it happened either. Any way, I only used it to pay for things I already had money available for. Bills, Gas, etc. I paid those debts within one week of incurring them. After four months Capital One doubled my limit, without even asking. Double, Triple, or just pay off your debts early, seemed to the best way to get that increase, quickly.
Hey Steve! I was discharged in February. I got pre-approved for a quicksilver one card. I was surprised they gave me 2000 cl. 5 months later they gave me a 2500$ increase. So I’m up to 4500$ in less than 6 months right out of a bankruptcy. I’m happy asf
Really? So I file for bankruptcy chapter 7 in October 30 2022 and as of Dec 3 I apply for secure credit card from capital and I was approved for quicksilver credit card $3000 credit limit and I haven’t been discharged yet.
I filed bankruptcy 11 years ago. As soon as all that debt fell off my credit score went up to 750. Last years I hit the 10 year mark and my credit went up to 820. I always had the Cap 1 card and paid it off in full every month. My credit limit it 5k
@@lostboi3974 is capital one ur only credit card?
@@Fiandrea9 yes
I’m guilty of not using my quicksilver card. Cap 1 was my first card; many years later they did a product change to quicksilver. This video got me thinking differently.
Thank You For This Information Just Was Upgraded To The Silver!!!
I just want to say thank you. I never knew about the capital one upgrade link. I used it and was able to upgrade 2 of of my 3 cards. Thank you.
Great content... Please do an in depth review on the Capital One Quicksilver Secured Card.
So glad I found this. I was actually able to upgrade both my C1 cards!!!!
Great video. Lots of helpful information. Thanks!!
Glad you enjoyed it Cassandra!
Hey brother: GREAT info as ALWAYS!!
Hey, thanks!
yes i agree! i asked for a CLI and was declined due to minimal usage and payments, regardless if i make triple payments to pay off my card.
I just wanted to let you know, that I am enjoying your content! Keep up the good work!!
I appreciate that!
Thanks for the upgrade link. How do I tell which of the two no annual fee Quciksilver cards I'm getting (good or excellent credit)?
Thank you for the capital upgrade link.
I use my cards for almost everything then wait the couple of days for it to post to my account and pay it off. Never have to pay interest. Almost always have a zero balance.
That's a great strategy Natasha
This is such a good page. Subscribing.
Great video thank you 🤝
This is very helpful information! Thanks Cal!
You're welcome mark
Great video! I never new about the card upgrade. I currently have the quicksilver card but I’m eligible for the venture one. Would the rewards I already have change from cash back to travel miles?
I've had to use both my Quicksilver and Journey cards to keep afloat. When my pipes burst I had to my card to get it fixed and it took a while but I'm almost payed up.
Another very informative video. Thank you!
Thanks Liana
Thank you much!!👍 Big help!
Great Vid Cal especially for those who hold a Cap1 CC..
Thanks Kristophe
So glad I found your channel man, you'e one of them ones.
Thank you for this!
You're very welcome Marvin
I use my card for everything and I just pay the entire balance at the end of the month or at least pay the statement balance in full and you won't have an interest fee and your bill is on time and you are not in uncontrollable debt
Thank you I’m retired and I wanted to get a better handle on this card ur video really help thank you.
Wow 🤩 great advice.
Glad it was helpful Celeste
Cal,
Glad I found your channel and subscribed. You put out so much good content and videos. You make it very easy to understand and you don't go to fast. Appreciate what you do. CAP One is a thorn in my side. I sat at my CL for 2 years 600, 600, 1500. I would use a lot of the credit line like you said. Capone would decline me and say I am using to much of my CL. I would pay them off every month to. SMH Capone and I cut the cord. Maybe I will come back to them in the future but it will be a while.. I hate their Bucket they put people in.
Welcome to the channel Jeremy! I'm happy you're enjoying my content.
Jermey I”m like you I hate CO1 bucket system also but don’t wanna take the hit on score going down use CO1 for gas . Until I can get with chase after the 5/24 . When you product change they give you the same card so you have two quicksilver with Different limits instead of incase ur limit
Great video!
I appreciate it Gina. Thanks for watching!
Good job and well spoken , what about credit one bank
The statement close date is genius. I wish more folks would start using this to their benefit.
Thank you! It's good to see a fellow Creator.
So that's why my credit limit has gone up on my Walmart card recently. High usage and on time payments even though I can't pay it off completely yet. Walmart's store card is through Capital One. I have a Capital One Platinum card that went up by $100 and I've only put more than $300 on it twice. I only use it for paying my monthly bills and pay it off every month.
This is great information. I finally after nearly 2 decades of trying to live without credit, realized that it's better to have it and not need it vs needing it and not having it. I built my credit last year from scratch thanks to my bank and I got the C1 QS card with no annual fee. I plan on using this input towards building things further. Thank you Cal!
I recently added Cap 1 (bankruptcy in 2021) starting with $5k limit. 700+ fico. I was authorized on a family member card to kickstart me out of 2021 fiasco and added (4) cards fairly quickly with a combined just under $15k overall limit. I had to close Aspire due to their shenanigans of changing ToS to add a $5 maintenance fee monthly (I didn't want to pay it and wait for the next thing to be snuck in). I'd say the #1 lesson I've picked up, is be "choosy" about the c/c's you pick. Be patient. Set yourself up with the idea that the c/c you choose is going to be with you for decades.
Good advice here.
Had this card for 5 years, used it daily. Payed off every time, never carried a balance. Never received a credit line increase, has stayed at $1,500 for 5 years. Opened Navy Fed card instantly approved for 25K. Capital one offered to upgrade my quicksilver to a Savor, they instead opened a new credit card with 7k line. My advice get this card to help build credit, capital one is notorious for minimal credit line increases. Once your credit is good enough get a AMEX or Navy Fed credit card. Capital one increase limits for those who max the card out and pay the minimum payment on 19% APY. Only digging them further into debt.
you gained a sub brother! i have two quicksilver cards and wanted to switch one to a Venute card. i chatted a rep and they said they COULDNT! i just used the upgrade link in the description and turns out i can change either card 😂. idk why they keep this info to themselves but im glad i found it. thanks again!
Wow they really told you that. Congrats 👏🏾🎉 on the upgrade. Happy I could help.
My quicksilver request for CLI def was denied for not enough usage. However, my Savor One card was increased automatically after using constantly from 750 to 4300. That’s was a shocker
Congrats on the increase with your Savor One card Christopher!
You are completely right! As a business owner I was getting denied many times using the self-employed category. I do have an LLC but I put employed, $112,000 salary and it works 🎉🎈🏆 I finally got my first credit card super excited 💯🎯
Congrats 🎉 happy to hear the good news
Try credit one as well I started with THAT ONE
You should file as an S-Corp. No need for an LLC unless you need Liability Insurance above and beyond or need to segregate assets.
very informative.
Solid info
Your Capital One videos are pure gold. Thanks!
Thank you!
Thanks!
You're very welcome!
Great information
I appreciate that. Happy you enjoyed
Here is a data point. I had the quicksilver car for about 6 months with a $3500 CL (fair bucket) and received a CL increase of 1K then the following month had offer to move up to Venture One card. I took it. I’m using my card as you stated and paying it down to about 10% of my total CL by the closing date. I’m hoping for another CL increase soon.
I started with 500 cl a couple yrs ago and got offered quicksilver which I accepted ofc and they gave me 5k now I’m just waiting for it to come in the mail. Is that good? I’m assuming I’m in a good bucket
I just received my quicksilver card. Cl 1000 but I'm hoping to get to atleast 5k in a few months. Also I applied for a spark business classic since I do landscaping on the side and they approved me for 3k a few days from applying for the qs. I'm happy with C1 so far.
I have my Quicksilver card set to autopay my utility bills, and when I go to Walmart. I have a $3000 limit, so I wouldn't say I NEED a limit increase any time soon.
I need to get my card past my current limit i didnt know you could have a balance on hold for bigger purchases incase your max is used
Good information...
Thank you just received upgrade and now I get rewards on both cards.
You're very welcome congrats 🎉
Thank u just got this card
I have high usage and pay off most months. They did increase me once without asking 1k to 8.5k. When I asked for an increase last year, after my salary doubled close to 200k, it said I wasn't eligible. I think it was because I had a new card four months prior.
I had the Capital one platinum card For about 3 years and they gave me a 1k increase in December . I then applied for a quick silver a few months ago and got that. Thennnn they offered to upgrade my platinum card. So now I have 2 quick silver cards! 👀
hey bro great video, what does credit this card mean!?? , because I just want the cash in my bank account so I can spend it on stocks!?
Thanks Cal!! I just upgraded my Quicksilver to a venture no annual fee card. Through your link in this video I’ve been trying to do this for a year. They just gave me a credit limit increase a month or so ago to $4000 from $1,000 they surprised me I didn’t ask for it!!
Wow that's great to hear. Congrats!
Capital one refuses to upgrade my Quicksilverone to anything
@@1776AMERICANREBEL I've had enough of them
@@650kdub me too. I pay off my credit card every month and never been late.
I wouldn't have a 720 score without capone as the cards were a starting point. No other card would approve me without being secured with a 480 credit score I tried lol now I have no issues getting better ccs
,They only gave me 300 I'm grateful but one or to item and I'm done. I'm not gone to except any more cards between 300/500.
Does this include secured cards as well?
How do you change your bucket status with capital one?
I use my Quicksilver card for monthly bills and the Savor1 card for dining and grocery so I can that 3%! Then I use the Apple Card at Exxon for 3% back on gas. I think it’s a good set up.
You can also do same with your Quicksilver card! I use at Sam's Club & get 3% back! Capitol One is a very good card & their Customer Service is excellent! Someone tried to use my # & charged $1. I received text from Capital asking reply yes/no & when replied no, Instantly they shut it down & issued me new card! I have never had an unpleasant interaction with Customer Service. They go above & beyond!!
I might close mine. I was upgraded to MasterCard Elite…whatever that is, but I was charged interest when my account had a zero balance.
I typically cycle through my cards so they're constantly being used. I quit using cash and debit card because there's no benefit to them and also much less security in case someone racks up fraudulent charges on your debit vs credit card.
This is true my card has been increased with out my knowledge but it helps .
I love my card. I got a 500 dollar increase after 3 month's. They just sent me an offer for another card with no interest for 15 months too.
Congrats!
Three months?? I’ve had my quicksilver card since October last year with a starting balance of 300 and I’ve never been late always paid on time and used it them chumps still didn’t give me a increase so I applied for a card through navy federal and I got a credit limit of 3500 from the start!!#shameoncapitalone
Thanks, I just upgraded to quicksilver with your link.
Congrats! Glad I could help.
Informative video. Use your card people! When I first got this card 6 months ago, credit limit was only $1k. Third or fourth month in, credit limit jumped to $3.5k without me requesting a increase
Get it
Same here. Went from 500 to 2500 and they notified me after 11 months.
Mine jumped from 3k to 6k.
Thats a pretty good increase
Loved the video bro I miss my credit up when I was younger and I got approved for the small credit one Quicksilver one $300 limit. I used all the limit and then paid my balance off and one payment. It’s taking a little bit because it’s a new card for my money to go back on, but I’m assuming it gets better overtime. This helps
QS use to be 1000. I went over my limit dozens of times but always paid it off before my statement closing date. So a 0 balance was always reported. I did that for about a year then C1 just increased my Credit limit by 5000 dollars!
Im just trying to figure out how to increase or upgrade that pesky premium card capped at 500. I would cancel it, but it's my longest account I have. So if I close it, it will substantially hurt my score...
I requested an increase a few months back and was denied. Using 95% of my card may be an issue too
Got a 750 credit score and my credit limit on my quicksilver card is 4,500 but I'm still striving to get a higher limit though
Mines 750 and they gave me 2000
So do they send the cash rewards to your bank account I'm curious?
I had a 700 Credit limit with quick sliver card. They increase me to 3,700. Hoping to upgrade the card later
I just applied for a quick silver and got approved for $3000 without putting anything down I’m trying to bounce back and keep my head together after this bankruptcy
Mannnnn i added two Authorizes users, increased my household income by 100k
they use 80 percent of the card n pay it off, credit score is 787 and they still wont budge on my card.
REALLY like.
Capital 1, I had the Plantium Card CL 500, then after 6 on time payments CL 600, then gve me CL 800, It stayed @ 800 for a good while, I started charging more 300+ 3 months then I ask 4 another CL they gave me 3,000 I had 2 call them 2 upgrade the card to the QuickSilver Card.......
Thx. I just upgraded two of my cards
That's fantastic Nicole! Congrats
How do you upgrade?
I was lucky and did not expect them to give me a unsecured card with a 2k limit. But i pay my card every month on time to show them im ready.
That’s exactly what happened to me! I had a $1,000 spending limit and I requested an increase and all they gave me was a $100 increase! That was definitely laughable! After that I thought about canceling my card but I know that’ll look bad on my credit report.
How much of that $1000 limit are you using and what’s the stated income you’re putting when filing for a cli?
thank.very good video.i love my capital one i buy a house because of capital one!--respect
Bro. I started with $20k and I pretty much put it on ice. I charged $12000 for a down payment and recently charged $9k for a vet bill. I paid it off. I asked for a increase and was denied. I guess it goes back on ice when I travel overseas living the high life. btw my fico is 820+. I don’t really want their Venture X because the value is just not there compared to Chase Sapphire. CAP1 your loss😮
You can also use C1 as your primary checking account not to mention use C1 as your business banking institution.
How
I’m 20 barely had credit for 8 months and capital one gave me a 5k credit limit with the quicksilver card after I was approved. That’s way more than I thought I was gonna get but I’m happy with it for now
Gave me 10
That was way less than what I got.
They fave me 2000
Requesting an increase is something I'm interested in. I've been with them for almost 4 years and I pay 6 times what they ask each month.
I am finished with Capitol One.
I have been pre approved for the capital one quick sliver, but I don’t want them to pull a hard inquiry; because I would lose points. I have secured capital one credit card and I only use 4% of my maximum credit line; my issue is that it’s only earning me 1 point per month on my credit score.
More credit u have with low balances, higher your credit score. Not gonna go up without first going down
I’ve got a sweet $300 limit have had the card for a year now pay it 2-6 times a week because the limit is useless run about 2-3 grand a month on it. I’ve tried asking for a CLI I’ve tried waiting for CLI absolutely nothing kinda tired of this card at this point.
Capital one cut my limit in half because I didn't use it enough. My score went up when I kept a card balance. They make money when I use my card. Basically you have to pay these a-holes for a good credit score. Paying on time, means nothing. You have to give them money to buy a good credit score.
They love me. I run a balance but get cash back. Plus there is an annual fee so they will not close my account if I keep at zero. 😊
capital one has lousy customer service as possible, i made payment few hours late because their website was down, still they charged me late payment fee and didn't agree to waive unjustified fee.
I just got approved what if I use the card but not always using 30 percent of the value of the card but I pay it in full before the due date do I get rewarded?
I’m old school , I never had a credit card ! (Only a debit card )
I use my debit card for everyday purchases !
My credit is fair , I have no idea how credit cards work ! But these card seems like a good card for me , should I eliminate debit card , and get this card ? How much do u pay monthly ?
I was watching this videl while I made the Quicksilver application online!!!😲😲😲 I had a $500 secured card. They approved me for a CL of $3,000!!!!! This is a great start!!! I can pay bigger purchases now!!!👍👍👍👍👍👍
Congrats on the CLI and the approval. How long did you have the secured card before applying for the Quicksilver?
@@tstimpert33 can't remember but maybe 4-5 months? I use up the CLI then pay it all off everytime. Sometimes 2- 3 time per cycle.
@@Rambouillet1725 Thank you for the advice. I appreciate it.
How can I upgrade my capital one secured platinum card I’ve had it for 6 months now?
I’ve been paying down my small credit limit and out of the blue, I got an email that I got a $1k limit increase. Great video
Thank you Diamond! and Congrats on getting the increase.
Stop using the card
What happens if my limit is 3k and I owe the whole 3k but my minimum is only $32 by June 1st at 8pm??? What does this mean? I need help not gonna lie
Man this is right on time. I literally just got this card this week. $10k with $200 SUB + 5% on gas & groceries for 6 mths!
Which cap one card do you have?
@@cassandraclark5499 - quicksilver
@@docsays 10k on first apply?
@@cassandraclark5499 - - i had a the cap1 platinum for a long time with only $2300. pretty sure it was bucketed. so i canceled it. then started receiving pre-approvals for the QS. then i finally received an email for the bonus plus promo 5x on gas & groceries so i decided to pull the trigger.
Great tip for Scorps to pay themselves!!!
Thank you! "Congratulations! You're eligible for a rewards upgrade."
I never applying for this bank but I got the mailbox how I can stop it.
Thanks for the video. I never ask for increases. Watched the video today and asked Cap1 for an increase on my Qucksilver One and got a 3k increase immediately.
I've also been using that card to pay my bills and making on-time payments plus paying balance down by end of billing statement date. My goodness has it been a blessing!!
I do like Capital One and they keep increasing my limit, but I don't like that you can't log in to pay bills without a US phone number. It's pretty annoying and irritating to have to call and wait.
So if I’m on the low bucket and I max out my card and pay it off 3 times in a cycle will I get an automatic increase?