The main Capital One Quicksilver requirements are that an applicant must be at least 18 years old with a valid Social Security number or Individual Taxpayer Identification number. Applicants must also have a physical U.S. address, enough income to make monthly minimum payments, and at least good credit.
Capital One Quicksilver Requirements
At least 18 years old
Physical U.S. address (no P.O. boxes)
Proof of enough income to make the monthly minimum payment
Social Security number or ITIN
Good credit or better
Checking or savings account
If you apply for the Capital One Quicksilver card, it’s important that you enter all required information completely and accurately. Knowingly reporting false or misleading information on a credit card application is a federal crime.
You can get Capital One Quicksilver pre-approval online. The process should only take a few minutes. Just provide the required personal information and click "See If I’m Pre-Approved". The Capital One pre-approval tool is not specific to Capital One Quicksilver, so it will display all the eligible Capital One credit cards… read full answer for which you’re likely to be approved. The results are based on your responses and a preliminary review of your credit. This review is known as a soft inquiry and does not affect your credit score.
Here’s how to check for Capital One Quicksilver pre-approval:
Complete the form with the required personal information (such as contact details, Social Security Number, types of bank accounts in your name, employment status, total annual income, rent/mortgage payments).
Select the type of card that appeals to you: Rewards (select at least this option for the Capital One Quicksilver), Low Interest or "Not Sure Yet".
Check the boxes confirming you reviewed the Electronic Communications Disclosure and understood that you’re not submitting a credit card application.
Click "See if I’m Pre-Approved".
If you’ve received a Capital One Quicksilver pre-approval offer in the mail, that means you’re already pre-approved. Capital One has initiated a soft inquiry and determined that you would likely qualify. To apply, visit Capital One’s dedicated web page and enter the Reservation Number and Access Code from the pre-approval letter. You will need this information in order to have the application flagged as pre-approved. Capital One Quicksilver pre-approval doesn’t guarantee approval, but the odds of being approved are in your favor. When presented with a pre-approval offer, you will still have to submit a formal application. When you apply, Capital One will request permission to pull your full credit report. This is called a hard inquiry, and it may cause your credit score to temporarily dip a few points.
Capital One Quicksilver requires at least good credit for approval, so make sure you know where you stand before applying. You can check your score for free, right here on WalletHub.
Capital One Quicksilver is an unsecured credit card, meaning that it doesn’t require you to pay a security deposit when opening a new account. If you’re approved, you’ll be granted a credit limit based on factors such as your credit score, income, and repayment history.
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.
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