You can apply for Capital One Quicksilver online, at a Capital One branch, or by phone. The easiest way to submit a Capital One Quicksilver application is online: Simply fill out your name, phone number, Social Security number, address, and other personal information. You should get a decision instantly.
Another way to apply for a Capital One Quicksilver credit card is in a Capital One branch. Just ask the teller about filling out a Quicksilver application. You can also apply for Capital One Quicksilver by phone at 800-695-5500.
Most of the time, you’ll get a credit decision instantly. But it could take longer if they need to verify your information. To check the status of your Capital One Quicksilver application, call 1-877-277-5901. Choose your preferred language, then say “application status.” You will be asked to enter your phone number so Capital One can find your records. You may also be required to enter your Social Security number to confirm your identity.
Your Capital One Quicksilver approval odds are higher if you have a credit score of 700+. This means that you need at least good credit to get this card. Capital One will also review your annual income, sources of income, and housing status, among other factors.
Keep in mind that, before submitting an application, you can check for pre-approval using the tool on the Capital One website. Pre-approval means that an issuer thinks a borrower has a good chance of being approved. It isn’t card-specific, so you can’t check for one card in particular. But it will tell you which Capital One card(s) have the highest approval odds. Pre-approval uses a soft inquiry, or “soft pull,” so it won’t affect your credit. You will still have to submit an application before you’re approved. And even then, there are no guarantees.
Applying for most credit cards triggers a hard inquiry which can temporarily hurt your credit score, so make sure you know where you stand before applying, either by using an issuer’s pre-approval tool if available, or by checking your credit score for free on WalletHub.
The Capital One Quicksilver credit limit depends on your income, creditworthiness and payment history. Capital One does not list a minimum or maximum credit limit in Quicksilver’s terms and conditions.
If you want to aim for a higher credit limit, there are a number of areas you should focus on improving.… read full answer
Biggest Factors Affecting Capital One Quicksilver Credit Limits
Your payment history. If you’ve consistently paid your bills on time, creditors will view you as more trustworthy and will be more likely to extend you higher credit lines.
Income and assets vs. existing debt. The more money you have available for bill payments, the more comfortable a lender will feel.
Rent or mortgage payments. If these payments take up too much of your monthly income, you’ll have less to spend on credit card bills.
You need at least good credit to get approved. And the better your credit is, the higher you can expect your spending limit to be.
One of the best credit cards for a 550 credit score is the OpenSky® Secured Visa® Credit Card. There’s no credit check when you apply, so approval is almost guaranteed. You just need $200 for a refundable security deposit and enough income to make monthly payments. This card also reports to all three … read full answermajor credit bureaus (Equifax, Experian and TransUnion) every month, which is your ticket to a better credit score. And a $35 annual fee isn’t too much to pay for that.
However, those aren’t the only credit cards you can get with a 550 credit score. In fact, there are two kinds of credit cards for people at that credit level: secured credit cards and unsecured credit cards for bad credit. A 550 credit score is within the bad credit range, unfortunately. Bad credit goes from 300 to 639. But picking the right 550 credit score credit card and using it responsibly could help you improve your score to “fair” territory within 12-18 months.
Before applying for a card, though, make sure to check out its terms and conditions, or a FAQ page if there is one, just to make sure you fit the criteria for eligibility. You can also try getting pre-approved for a credit card. It won’t hurt your credit, and it will give you a good idea of your odds if you decide to apply.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub.
Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.