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.