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.