Latest reviews

Reddit · r/CapitalOne · 7 days ago

Their secured Quicksilver never graduated, but about ten months later they were approved for a Savor and a VentureOne, after which they closed the secured card.

Reddit · r/CreditCards · 7 days ago

They were approved for a Capital One Quicksilver with a security deposit and plan to pay the deposit and use it, though they first wondered what happens if the deposit is never paid.

Reddit · r/CapitalOne · 9 days ago

They opened the secured card earlier this year, had its limit raised automatically after a few months, and it later graduated to unsecured without a request. They paid on time and kept utilization low.

Reddit · r/CapitalOne · 9 days ago

They have held the secured card for about a year and a half without it graduating despite never missing a payment and low utilization. They were approved for a SavorOne and plan to close the secured card.

Reddit · r/CapitalOne · 9 days ago

Their Platinum Secured card took about four and a half years to become unsecured, and the credit limit stayed the same through all that time.

Reddit · r/CapitalOne · 10 days ago

They upgraded a Platinum to a Savor with an increase, but their Quicksilver Secured has had perfect payments for seven months with no graduation yet. They credit Capital One with helping them through a hard time.

Reddit · r/CapitalOne · 14 days ago

They applied for the Platinum Secured to rebuild credit after past mistakes, were approved and paid the deposit quickly, and asked how long it stays secured and whether limits can grow.

Reddit · r/CreditCards · 15 days ago

They were surprised to get an email saying their Quicksilver Secured card was upgraded to a regular Quicksilver with the deposit refunded, and are happy to wait for a limit increase.

Reddit · r/CapitalOne · 16 days ago

They opened a Quicksilver Secured card while rebuilding poor credit, and seven months later it has not become unsecured nor returned the deposit. They also got small-limit Capital One cards despite bad credit.

Reddit · r/personalfinance · 16 days ago

They currently hold the Platinum card and want to move up to a card with better benefits, considering a Chase Freedom Unlimited and a limit increase request on the Platinum, and ask for suggestions.

Reddit · r/CreditCards · 16 days ago

They upgraded from an initial Platinum rebuild card to Quicksilver after about a year, then to Savor a year later. They still use that original Savor, which has no annual fee, nearly a decade on.

Reddit · r/CapitalOne · 20 days ago

They never saw their Quicksilver Secured graduate, so they closed it, got the deposit back, and were then approved for a Venture with a good limit and sign-up bonus.

Reddit · r/personalfinance · 22 days ago

They applied for the Savor Student card as a first card while working part time and were denied because of a medical bill in collections that is on a payment plan. They were denied on the Discover student card too.

Reddit · r/personalfinance · 22 days ago

They applied for the Discover it Student Cash Back card as a first card and were denied because of a medical bill in collections that is on a payment plan, alongside a Savor Student denial.

Reddit · r/CapitalOne · 23 days ago

Their first card was the Secured Platinum, which graduated to unsecured after about six months and was changed to Quicksilver. They have been stuck at a low limit with only tiny increases offered and are close to closing it.

Reddit · r/CapitalOne · 24 days ago

They used a Quicksilver Secured for years while rebuilding, never got a limit increase or a graduation to unsecured, but later received Savor and Quicksilver offers and still use the old card for streaming autopays.

Reddit · r/CapitalOne · 24 days ago

They opened the Platinum Secured in May 2025, got the deposit returned and the card turned unsecured, and it has now been upgraded to Quicksilver. They are excited about the cash back and rewards ahead.

Reddit · r/CapitalOne · 25 days ago

They have held the Quicksilver Secured since early in the year, paid on time, and are waiting to graduate to an unsecured card but are frustrated by how low the limit has stayed.

Reddit · r/CapitalOne · 25 days ago

They kept the Quicksilver Secured for two years without it graduating, and a limit increase meant adding to the deposit; they eventually closed it after Capital One gave them a Savor and other cards.

Reddit · r/personalfinance · 28 days ago

Their Discover it Student application was rejected despite being preapproved, only because student status could not be verified. They uploaded several documents and got conflicting guidance from a phone rep.

Reddit · r/CapitalOne · 34 days ago

They say their Discover secured card graduated in about seven months, with the deposit returned and a higher limit. They also point out that Discover matches all the cash back earned in the first year.

Reddit · r/CapitalOne · 37 days ago

They hold a Platinum Secured card with a very small limit and say they thought the offer was for an unsecured card. They are rebuilding credit and find the low limits discouraging.

Reddit · r/CreditCards · 44 days ago

An international student applied for student cards and was approved for this one as their first credit card, while the Capital One student card pre-approval was denied. They set up autopay and linked their checking account.

Reddit · r/CreditCards · 47 days ago

Worked great throughout all four years of college as a starter credit line, though the lack of product change options makes upgrading after graduation harder.

Reddit · r/CapitalOne · 48 days ago

They hold a Savor Student card with a low starting limit and only qualify for the good-credit Savor, so they are reluctant to add another Savor with a similarly low limit.

Reddit · r/CapitalOne · 49 days ago

They kept the Savor Student through all of college with a very low limit and asked for an increase several times, but Capital One kept denying it, citing too much revolving credit or too many open cards.

Reddit · r/CreditCards · 57 days ago

They were approved for the Quicksilver Secured as their first card, put down the refundable deposit, and are using it to build credit from a low starting score.

Reddit · r/CapitalOne · 57 days ago

They held a secured Quicksilver for nearly four years with perfect payments but never got a limit increase, their deposit back or a graduation, and support said it could not help, so they closed it.

Reddit · r/CapitalOne · 57 days ago

They kept a Platinum Secured card for five years without it graduating, then closed it and was approved for a Savor card instead, which got them a proper unsecured card.

Reddit · r/CreditCards · 57 days ago

They have had the Platinum for years and hardly use it, and Capital One has pushed a Quicksilver upgrade for three years. They see no point without a sign-up bonus, since 1.5% cash back is not competitive.

Reddit · r/CreditCards · 58 days ago

They got an in-app offer to upgrade their no-rewards, no-annual-fee Platinum to Venture One or Quicksilver, with no sign-up bonus, and are asking whether 1.5% cash back or 1.25 miles per dollar is better.

Reddit · r/CapitalOne · 66 days ago

They had a regular Platinum card and a Quicksilver with cash back accumulated, and all accounts were closed within a week of one returned payment. Two years on they still get denied for new cards with Capital One.

Reddit · r/CapitalOne · 66 days ago

They had a Capital One Platinum card, always paid on time and never over the limit, that was closed out of the blue after only six months. The rep gave a scripted response and they first learned of it through Credit Karma.

Reddit · r/CapitalOne · 70 days ago

They were approved for the Platinum card a few months earlier to rebuild their credit, despite a rocky past with Capital One, and were surprised to also be approved for an auto loan.

Reddit · r/CapitalOne · 71 days ago

They report the Quicksilver Secured took three weeks to a month overall to arrive after funding the deposit, which they found far too long.

Reddit · r/CapitalOne · 72 days ago

They opened the secured Quicksilver as a college student, mostly paid the minimum and sometimes reported over the limit, yet were graduated to unsecured after about a year and five months with no missed payments.

Reddit · r/CreditCards · 75 days ago

They got their first card at 26 with a refundable deposit, glad it earns rewards while building credit and works for rental cars, though they worry about graduation to unsecured.

Reddit · r/CapitalOne · 79 days ago

They got a Quicksilver Secured and found Capital One held their credit line for several days after a first full payment from a new bank, and support was not very helpful.

Reddit · r/CapitalOne · 79 days ago

They were surprised to be approved for a Quicksilver Secured after past credit struggles, added a larger deposit than required, and are now following best practices to build credit and graduate to an unsecured card.

Reddit · r/CreditCards · 80 days ago

As a nonresident with an ITIN, the Platinum was their first US card. The limit later rose and they accepted a product change to Quicksilver, but only VentureOne was offered and Venture X preapproval was declined.

Reddit · r/CapitalOne · 85 days ago

They used the secured Quicksilver for nearly every purchase for over a year, got their deposit back after about six months and received a credit line increase, unlike with their Discover secured card.

Reddit · r/CreditCards · 86 days ago

They use it like a debit card for all purchases a few months in, paying down the balance weekly and keeping utilization very low while building toward a stronger credit lineup.

Reddit · r/CapitalOne · 88 days ago

They had a Capital One Platinum for about six months before it graduated to a higher limit, while their new Savor started with a low limit for good credit that they plan to grow with usage.

Reddit · r/CapitalOne · 95 days ago

They use their Capital One Platinum for everyday purchases but it earns no rewards, so they want to product change to the Quicksilver. They are rebuilding their relationship with Capital One after past mistakes.

Reddit · r/CapitalOne · 97 days ago

They moved from a secured card to a regular card and then a Platinum with Capital One, but the limit has stayed flat for almost 20 years; Capital One did reactivate a card closed for inactivity.

Reddit · r/personalfinance · 110 days ago

A 21-year-old with a short credit history applied for the Discover it Student Cash Back after getting mail offers and was denied, like with several other issuers, and is now looking at secured cards.

Reddit · r/CapitalOne · 111 days ago

They feel Capital One has become trigger-happy about closing accounts, saying it closed theirs despite a great credit score, no late payments, very little debt and no fraud-type activity.

Reddit · r/CapitalOne · 112 days ago

After about three years with the Platinum and four months with a Quicksilver, a purchase was declined and both cards showed as restricted. Capital One said both were permanently closed for fraud, though their purchases matched and it would not reopen them.

Reddit · r/CreditCards · 115 days ago

They use the Savor Student as their only card and like its 3% on dining, entertainment and groceries, which cover most of their spending. They want a second card to cover everything outside those categories.

Reddit · r/CreditCards · 117 days ago

They have used the Savor Student for about four months and rely on it for most of their everyday spending, though they want another card to better cover their heavy gas spending from a long commute.

Reddit · r/CreditCards · 120 days ago

They opened a Quicksilver Secured in late 2023 and it graduated to an unsecured card after about two and a half years, with the deposit returned as account credit. They now use it lightly for small purchases.

Reddit · r/CreditCards · 120 days ago

They have held a Quicksilver Secured since 2024 with on-time payments, yet it has not graduated even after Capital One approved them for unsecured cards. They are considering closing it.

Reddit · r/amex · 126 days ago

They were approved for the Platinum as a first card with a small limit. A request for a bigger increase after about 60 days only got a tiny bump, so they moved on to Amex cards, which gave much more generous limits.

Reddit · r/CapitalOne · 128 days ago

They have held the Quicksilver Student for about a year and it is still on Mastercard, though they would welcome the Discover version for the 3% gas rate.

Reddit · r/personalfinance · 135 days ago

They have had the Platinum as their first credit card for several months and saw their limit rise substantially in that time. They received an offer to upgrade to the Quicksilver.

Reddit · r/CapitalOne · 137 days ago

They have a Quicksilver Secured that has not graduated after nine months, while a Navy Federal secured card graduated much sooner. They are considering pausing use and note Capital One keeps sending new card offers.

Reddit · r/CreditCards · 143 days ago

They report that after being approved for the Platinum Secured, the card showed up in the Capital One app instantly, so it could be used virtually before the physical card arrived.

Reddit · r/CapitalOne · 146 days ago

They opened the Platinum as their first and only card after college, used it regularly and paid it off each month, and saw the limit raised without notice. They were then offered an upgrade to the Quicksilver.

Reddit · r/CapitalOne · 150 days ago

They have a Capital One Platinum, since upgraded to Quicksilver, and accepted a small limit increase after updating income, only to be declined further increases for a recent increase, told by support to wait six months.

Reddit · r/CreditCards · 160 days ago

Rotating 5% gas quarters are helpful when gas is your main expense, but non-bonus quarters drop back down to 1%.

Reddit · r/CreditCards · 160 days ago

They hold both the Savor Student and a Discover student card and prefer the Savor for a college student, since its categories fit their spending better than Discover rotating categories.

Reddit · r/CreditCards · 169 days ago

They got the Quicksilver Secured as their first card and kept it in good standing for six months, but support said the account was too new for a deposit refund, limit increase or upgrade.

Reddit · r/CreditCards · 170 days ago

They got the Discover student card as a first card with no credit history, found approval easy, received two unrequested limit increases early on, and use it for the rotating 5% categories.

Reddit · r/CapitalOne · 170 days ago

They have held a Quicksilver Secured card for a few years, paid in full every month with no late payments, yet it never got a limit increase or graduated while their other Capital One cards did.

Reddit · r/CapitalOne · 172 days ago

They gave up on the Platinum card and shelved it in a sock drawer because they see no point in using it, noting that Amex and Bank of America gave them much higher starting limits right away.

Reddit · r/CapitalOne · 176 days ago

They have been stuck at a very low limit on their Platinum card since 2021 despite paying in full monthly. After paying to zero and requesting an increase via the app, they were approved for a small bump with a soft pull.

Reddit · r/CapitalOne · 176 days ago

After years at a very low limit on their Platinum card, they woke up one day to a much larger limit without asking. They had earlier declined a small increase and felt bucketed until the surprise.

Reddit · r/CapitalOne · 176 days ago

Their bucketed secured Platinum eventually grew and was upgraded to a Venture X with a high limit, though they say bucketing clearly throttles the pace and generosity of limit increases.

Reddit · r/CapitalOne · 182 days ago

They have had a Capital One Platinum for a long time and recently started letting high balances post and paying them off right away. Their limit is still low and they wonder how to get an upgrade offer.

Reddit · r/CapitalOne · 190 days ago

They got a new Platinum Secured Mastercard and paid off the balance, and the app showed available balance. A DoorDash order was still declined for insufficient funds, so they ask when the card will work.

Reddit · r/CapitalOne · 192 days ago

They had a Platinum Secured card in 2016 and Capital One refunded the deposit exactly one year after opening, though the account stayed secured rather than converting to an unsecured card.

Reddit · r/CapitalOne · 192 days ago

They graduated from a Quicksilver Secured card to an unsecured account in about six months, quicker than what many others report.

Reddit · r/CreditCards · 194 days ago

After about four months of heavy use and immediate payoffs on the Platinum Secured, they got pre-approved, had the deposit refunded and received a modest limit increase. They recommend Capital One for rebuilding after bankruptcy.

Reddit · r/CreditCards · 195 days ago

Their first card was the Platinum Secured, which Capital One upgraded to a regular Platinum after eight months. They keep a very low balance on it and added a second card for gas purchases.

Reddit · r/CapitalOne · 199 days ago

They opened the Platinum last October, kept utilization very low, and did not get an automatic credit line increase, only a small one after requesting it manually at six months.

Reddit · r/CapitalOne · 201 days ago

They are rebuilding their credit after past debts and have kept a secured Quicksilver with a low balance since 2025, which they credit with helping Capital One give them another chance.

Reddit · r/CapitalOne · 203 days ago

They opened a Quicksilver Secured card and after five statements received a credit line increase, but saw no mention of their security deposit being returned and were confused about when it would come back.

Reddit · r/discover · 224 days ago

Card was declined on the first attempted purchase after activation; support said a random verification involving an Equifax form and IRS check was rejected over the address, with up to 14 business days of waiting.

Reddit · r/CreditCards · 224 days ago

They got a first Platinum card, then a limit increase and an emailed upgrade offer to Quicksilver, which they see as a good springboard into cash back while hoping to get a Savor eventually.

Reddit · r/CreditCards · 224 days ago

They never used the Platinum because of its low limit. After upgrading to Quicksilver they used it far more, and a later Savor upgrade offer led them to use the Savor much more than all previous cards combined.

Reddit · r/CreditCards · 231 days ago

After 11 months they got their deposit back on the Platinum Secured, but the app still labels the card secured and shows no product change option, so they ask whether the conversion takes time.

Reddit · r/CreditCards · 232 days ago

Held since 2022 but unhappy with the cash back, with only a few dollars earned in eligible 5% rotating categories compared with more at 1%, prompting thoughts of switching.

Reddit · r/CapitalOne · 232 days ago

They hold the Quicksilver Student alongside a Discover it Student and say both have worked out well so far. They plan to add a Savor Student once their other two cards are paid off.

Reddit · r/CreditCards · 233 days ago

They have kept the Platinum Secured, their first card, for about 11 years for the credit history. It was upgraded to a Quicksilver One with a military-benefit low APR and no fees, but the limit remains low.

Reddit · r/CreditCards · 234 days ago

They had the Capital One Platinum for nearly two years, saw it graduate from secured to unsecured with small limit increases, and never missed a payment while using it as a secondary anchor card.

Reddit · r/CapitalOne · 236 days ago

They accepted a Platinum Secured offer while already holding a Quicksilver and regret it, wishing they had taken a second Quicksilver instead and hoped to graduate to a Savor.

Reddit · r/CreditCards · 239 days ago

They applied for the regular Savor card and were denied, then applied for the Savor Student card and were denied again for applying too soon, even though they had been pre-approved on the site.

Reddit · r/CreditCards · 239 days ago

They were approved for both secured cards as a first-time applicant and chose the Platinum Secured, then realized the Quicksilver Secured offered perks and hope to upgrade later.

Reddit · r/CapitalOne · 244 days ago

They keep their Platinum card open only by running a small monthly gym membership charge on it, since it brings them no real value beyond building and keeping credit history.

Reddit · r/personalfinance · 246 days ago

Cash back offers, student discounts, and zero fees make it an appealing first card, and setting up automatic payments after the first few purchases was straightforward.

Reddit · r/CapitalOne · 246 days ago

Newly holds a Secured Quicksilver and a Platinum card and notices app payments now take about three days to post instead of going through instantly as before, wondering if they are doing something wrong.

Reddit · r/CapitalOne · 247 days ago

They were declined in the soft-pull pre-approval for the Savor Student card because of having no credit history, despite being a student at a US university with steady income, and were unsure whether to apply anyway.

Reddit · r/CapitalOne · 248 days ago

They opened the Quicksilver Secured about five months earlier, pay on time with low utilization, and soon saw pre-approval offers for unsecured cards after only secured offers a month before.

Reddit · r/CapitalOne · 266 days ago

They use the Platinum Secured card to rebuild their credit and had just paid off the balance, while looking for tips on pairing it with a new checking account.

Reddit · r/CapitalOne · 269 days ago

They have held the Platinum Secured for nearly a year with on-time payments and frequent use, but are unsure about graduation to unsecured and were told to ask for a manual review.

Reddit · r/CreditCards · 271 days ago

They passed a year of credit history with Quicksilver Secured and expected the deposit refund, but it had not happened yet, so they wondered whether to cancel the card.

Reddit · r/CreditCards · 280 days ago

Their first and only card was a Platinum Secured that was charged off after missed payments years ago; they later paid off the debt and are wondering about reapplying.

Reddit · r/CreditCards · 287 days ago

They were approved for the Savor Student with a very low starting limit that they believe is bucketed, and an immediate credit limit increase request in the app was denied because the account was too new.

Reddit · r/CreditCards · 299 days ago

They checked pre-approval for the Savor Student card for a study-abroad trip because of its no foreign fee and were denied for low income, despite a good score for their age and an existing card.

Reddit · r/CreditCards · 311 days ago

They used Quicksilver Secured for subscriptions for about six months and were then moved to an unsecured card, with their security deposit refunded automatically.

Reddit · r/CapitalOne · 319 days ago

They were upgraded directly from a Platinum Secured to a Savor card, and were unsure whether the card details listed applied to their old Platinum card.

Reddit · r/CreditCards · 326 days ago

Handled almost all daily college spending for over two years while building a strong credit score, though limited international merchant acceptance requires a Visa or Mastercard backup for studying abroad.

Reddit · r/CreditCards · 330 days ago

They were just approved for their first Platinum card, got it to build credit, and plan to use it for small purchases like gas and food while paying it off every two weeks. They ask for beginner tips.

Reddit · r/CreditCards · 333 days ago

Four and a half months in, they always pay the balance early because they often creep near the starting limit, and a credit limit increase request was instantly denied for insufficient experience.

Reddit · r/CreditCards · 348 days ago

Reports being approved for the Discover it Student card on their 18th birthday, showing it can be an accessible first card for new adults.

Reddit · r/CreditCards · 348 days ago

Easy to get approved for as a student, offered a semester statement credit for a 3.0+ GPA, and converted smoothly into the regular version to remain the oldest credit line ten years later.

Reddit · r/CreditCards · 356 days ago

They were approved for the Savor Student almost instantly but meant to apply for the regular Savor and were disappointed with the low starting credit line, which they see as a student-card limit.

Reddit · r/CapitalOne · 364 days ago

They keep their Platinum mainly to preserve their average age of credit and use it for a single subscription, seeing little point in a second Quicksilver after receiving an upgrade offer.

Reddit · r/CreditCards · 373 days ago

Their only card is the Platinum Secured with a very low limit, which makes it hard to use. They were pre-approved for other Capital One cards but never offered an upgrade, and ask whether to open one or wait.

Reddit · r/CreditCards · 392 days ago

They got the Platinum as their first card to build credit and had its line raised within a couple of months. They pay it off monthly and were then offered an upgrade to Quicksilver or Savor.

Reddit · r/CreditCards · 403 days ago

They pay for a discounted Apple Music student subscription on the Savor Student and were not getting the 3 percent streaming cash back, only the base rate, and planned to contact the issuer about it.

Reddit · r/CapitalOne · 419 days ago

They hold a Capital One Platinum and were refused a product change to Savor even with a preapproval offer, and they dislike how the automated system decides upgrades.

Reddit · r/CreditCards · 420 days ago

They used the Platinum Secured monthly, always paid the statement balance and had no late payments, and it converted to an unsecured card after a few years despite a past of bad credit.

Reddit · r/CreditCards · 428 days ago

They started with the Platinum with no credit history, paid consistently and used it regularly, and within about six months Capital One gave them a Quicksilver card for free as an upgrade.

Reddit · r/CapitalOne · 431 days ago

Capital One let them upgrade their Platinum card to a Savor after about a year of holding it, so the product change was available to them after a relatively short time.

Reddit · r/CapitalOne · 434 days ago

They have kept a Quicksilver Secured for years and were told it would convert to a regular card after a year, but it never did. They pay it off often and say Capital One makes things difficult.

Reddit · r/CreditCards · 444 days ago

They applied for the Quicksilver Student and were approved instantly, even as a young applicant who was only an authorized user on other cards. They were pleasantly surprised by the starting line they received.

Reddit · r/CapitalOne · 450 days ago

They started with a Platinum Secured with a small unsecured line, got an extra unsecured limit before the sixth statement, and had their deposit returned at around eleven months.

Reddit · r/CreditCards · 459 days ago

An 18-year-old applied for the card right after turning 18 and was approved with an intro 0% period. They have not used it yet, are unsure about the APR after the intro period, and ask whether to keep it.

Reddit · r/CreditCards · 470 days ago

They received an upgrade offer from Platinum to either Quicksilver or VentureOne, both with no annual fee, and are asking which suits their future travel plans better.

Reddit · r/CapitalOne · 476 days ago

They have held the Platinum Secured for five years and an upgrade offer recently appeared in the app. The only thing they changed was making larger payments on the bill.

Reddit · r/CreditCards · 477 days ago

They call the secured Capital One card a good starter, saying it was their first card, and recommend it over Credit One for someone rebuilding, who they say is better off with no card than that one.

Reddit · r/CreditCards · 483 days ago

They got a mailed invitation for the Savor Student card with a reservation code but were automatically declined for insufficient income, and the pre-approval tool also rejected them for the other Capital One cards.

Reddit · r/CreditCards · 484 days ago

Rotating categories are a mixed bag after four years of ownership, though the 5% restaurant quarter is easy to max out and credit limit increases have been generous.

Reddit · r/CreditCards · 484 days ago

Replacement cards arrive automatically before expiration, and the student account remained open for roughly a decade after graduation before converting to the regular version.

Reddit · r/CreditCards · 484 days ago

They applied for the Savor Student card as a full-time student on scholarship income and were rejected for insufficient income, and no one at their bank, credit agency or Capital One could explain why.

Reddit · r/CreditCards · 489 days ago

They opened a Quicksilver Secured with a deposit by mistake instead of the student card, and now question whether it is worth keeping next to their 2% and 3% cards. They regret the wasted hard pulls.

Reddit · r/CreditCards · 491 days ago

They say Capital One sent a bad offer for the Platinum card and they foolishly took it without reading about it first, which they now regret as a new cardholder.

Reddit · r/CreditCards · 493 days ago

They were approved for the Platinum Secured and made the deposit, then received an email denying the card for too many returned deposits even though the deposit had not been taken out.

Reddit · r/CreditCards · 494 days ago

They were approved for the Savor Student card as a first-time cardholder and found the application surprisingly easy, with a starting credit line that seemed generous for a beginner.

Reddit · r/CapitalOne · 498 days ago

They were approved for the Savor Student and received the card, but could not activate it because Capital One demanded a state driver license instead of a passport; later verification call delays made them give up.

Reddit · r/CreditCards · 503 days ago

They were approved for the Savor Student card as an incoming freshman and were offered a chance at a higher credit line after validating enrollment, though proving enrollment before orientation was a hassle.

Reddit · r/CapitalOne · 504 days ago

They were a couple of weeks into the card and found that a second same-day payment processed but their available credit did not update right away, which confused them.

Reddit · r/CreditCards · 535 days ago

New to credit with no Bank of America relationship, they were denied the secured card and a manual reconsideration also failed.

Reddit · r/CreditCards · 537 days ago

They just got the Savor Student as their first card and want to put all spending on it for the cash back, but its starting credit limit covers only about half of their monthly spending.

Reddit · r/CreditCards · 540 days ago

Their Discover it Student card was lost in the mail and the account was closed for inactivity before they ever used it. They had no prior credit history and were left stressed about next steps.

Reddit · r/CreditCards · 542 days ago

They product-changed their Platinum card to a Quicksilver after being reminded in the thread that the option exists, and did it right away.

Reddit · r/CreditCards · 543 days ago

Capital One warned they would close their Platinum account after two years without transactions, but a small charge resets the clock. They call the rewards terrible compared to their current setup, but keep the cards open this way.

Reddit · r/CreditCards · 549 days ago

They were approved for the Savor Student card despite a very modest student income and received a surprisingly generous starting limit. They plan to barely use the card and mainly keep it to build credit.

Reddit · r/personalfinance · 560 days ago

They built their first credit over about six months with the Quicksilver Secured card alongside a credit builder product, paying on time and keeping utilization very low, which got their score into a good range.

Reddit · r/personalfinance · 565 days ago

Excellent starter-friendly first card that made building early credit history easy before qualifying for a second card.

Reddit · r/CreditCards · 569 days ago

They started with the Platinum four years ago and are only now receiving upgrade offers to the Quicksilver, suggesting the upgrade path can take a long time to open up.

Reddit · r/CreditCards · 570 days ago

They started with the Platinum Secured as their first card, received a Quicksilver offer after about six months, and later saw the secured card convert to unsecured.

Reddit · r/CreditCards · 578 days ago

They applied for Capital One Venture and were rejected, then were approved for Quicksilver Secured on another application, leaving them with two hard inquiries on their report.

Reddit · r/CreditCards · 580 days ago

They had no credit history, applied for the Discover it Student card and were approved instantly without being asked for proof of enrollment. They were very happy with the starting credit line.

Reddit · r/CreditCards · 591 days ago

The Platinum was their first card and they barely used it for about four years, then randomly received an email offering an upgrade to Savor or Quicksilver. They note it is up to Capital One and suggest checking the app's upgrades section.

Reddit · r/CreditCards · 627 days ago

At 19 with a short credit history, they were approved for a Capital One Platinum as their first card and are asking whether the starting limit is reasonable and how to progress.

Reddit · r/CreditCards · 630 days ago

They upgraded their Platinum to a Quicksilver when offered, and now have a higher limit and cash back. They use it rarely but say it is much better than the Platinum.

Reddit · r/CreditCards · 630 days ago

They use their Platinum only sparingly because a Savor card handles nearly everything. They are unsure whether upgrading to Quicksilver for 1.5% cash back is worth it given how little they use it.

Reddit · r/CreditCards · 632 days ago

They applied and were approved for the Savor Student card with a modest starting line, despite a part-time job and only authorized-user history, and plan to move up to better rewards cards later.

Reddit · r/CreditCards · 634 days ago

As a college freshman with the Platinum, they requested limit increases multiple times but the limit stayed low. The upgrade link shows Quicksilver or Savor, and they weigh getting a second card to build credit.

Reddit · r/amex · 634 days ago

Was approved for the secured card when opening a first checking account with a deposit and has been using it and paying it off monthly.

Reddit · r/CreditCards · 654 days ago

Their secured Platinum graduated to an unsecured card after 11 months of on-time payments and low usage, without changing to another product. Capital One had also approved them for a Savor shortly before it graduated.

Reddit · r/CreditCards · 659 days ago

Their first card, still kept, with a much higher limit today.

Reddit · r/CreditCards · 661 days ago

They applied for the Savor Student card as a college freshman after receiving a mailer and were denied, with the notice citing insufficient income for the amount of credit requested.

Reddit · r/CreditCards · 663 days ago

They opened a Savor Student card after Capital One was the only issuer to approve them; Discover and Chase student cards both denied them. Their brother warned them about the bank, so they were nervous about using it.

Reddit · r/CreditCards · 666 days ago

Their Platinum Secured graduated after 10 months, shortly after a Savor was approved with a higher limit. Capital One told them to wait about a week for the card to show as unsecured before asking for a limit increase.

Reddit · r/CreditCards · 667 days ago

Worth keeping for the quarters where the 5% calendar lines up, though after seven months of use everyday gas and restaurant spending often falls outside the rotating categories.

Reddit · r/CreditCards · 668 days ago

Had a hard time setting up the secured card over several days, found they needed a Bank of America checking account to pay it, and saw delays getting part of the deposit returned.

Reddit · r/CreditCards · 673 days ago

They started with the Capital One Platinum as a credit-builder card while building their credit, then moved on to the Quicksilver, and say Capital One has treated them well.

Reddit · r/CreditCards · 692 days ago

They started with the secured Platinum, now a Mastercard Platinum, and dislike it. The limit never rose, the upgrade link has not worked, and they hesitate to request an increase because of the hard inquiry.

Reddit · r/CreditCards · 693 days ago

Their first card, the Platinum Secured, has become a regular unsecured card. They have been offered a limit increase but not applied, and the upgrade link says upgrade not available, so they plan to wait for an opportunity.

Reddit · r/CreditCards · 697 days ago

They started with a Quicksilver secured card, then added the Platinum Secured, and after pre-approval were approved for a Savor for dining cash back. They are thrilled, though the limit is low, and ask when to request an increase.

Reddit · r/personalfinance · 701 days ago

They opened a Capital One Platinum in 2023 and received an unrequested credit line increase by email within about six months, with no need to ask for it.

Reddit · r/CreditCards · 704 days ago

They got the Platinum as a first card at 18 and regret it because it has no rewards. They are now looking to build toward travel-focused Chase cards.

Reddit · r/CreditCards · 724 days ago

They used the student Quicksilver for nearly three years as a go-to travel card thanks to no foreign transaction fee, but found the limit stayed very low and could not get an upgrade offer.

Reddit · r/personalfinance · 772 days ago

Paid it off every payday while rebuilding and Discover never complained.

Reddit · r/CreditCards · 1034 days ago

Got it at 18 and found it poorly accepted, with online orders getting the card frozen as unknown transactions.