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.

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.

The best Capital One Quicksilver benefits are travel accident insurance and extended warranty. The Capital One Quicksilver Cash Rewards Credit Card also has identity theft protection and $0 fraud liability, which are more common perks across Capital One credit cards.

Capital One Quicksilver Credit Card Benefits

• Travel accident insurance
• Extended warranty
• Identity theft protection
• $0 fraud liability
• Price protection
• Roadside assistance
• Rental car insurance
• Call phone protection
• Concierge services
• Virtual card numbers

Along with these benefits, the Capital One Quicksilver credit card has a $0 annual fee and gives rewards on all purchases. As long as you have good credit, the Capital One Quicksilver Cash Rewards Credit Card is certainly a card to consider adding to your wallet.

The Capital One Quicksilver credit score requirement is 700+. This means that you need at least good credit to get this card. Capital One also considers applicants' income and debt when making Capital One Quicksilver card approval decisions. You can see if you pre-qualify for this card on Capital One's dedicated webpage.

With a $0 annual fee, unlimited 1.5 - 5% cash back on every purchase and a $200 signup bonus, Capital One Quicksilver is a great rewards card.

What to do if you don't meet the Capital One Quicksilver credit score requirement:

If you don't meet Capital One Quicksilver's credit score requirements, the Capital One QuicksilverOne Cash Rewards Credit Card is easier to get. This card has the same 1.5 - 5% cash back rate as Capital One Quicksilver, but with no signup bonus and a $39 annual fee. Applicants with limited have a shot at approval, though. And if you get the Capital One QuicksilverOne, you could upgrade to the Capital One Quicksilver once your score is higher.    

Capital One Quicksilver could either be a Visa or a Mastercard. Capital One issues cards on both networks, but there is no way to choose which network your new card will be on.

The card network for your new card isn't based on your credit score, card terms, rewards or credit limits either. A card network is simply the company that helps process credit card transactions and determines where a card is accepted. Having said that, both Visa and Mastercard benefit from the most extensive worldwide acceptance, so you'll have no problems using your Capital One Quicksilver, regardless of its card network.

You can get a Capital One Quicksilver cash advance simply by withdrawing cash from an ATM. You'll need your card's PIN for that, so if you don't have one, you can get one online. In addition to ATMs, there are a few other ways you can get cash advances.

Here's how you can get a Capital One Quicksilver cash advance:

• At an ATM using your PIN. If you forgot your PIN or need one for your card, you can request one on Capital One's web page.
• At a bank lobby that displays the Mastercard logo. Capital One Quicksilver is a Mastercard, so look out for the logo to know where you can ask a bank teller for a cash advance. You will need to present a government-issued photo ID along with your Capital One Quicksilver.
• With a check. If you've been given checks by Capital One, you may be able to fill one out yourself and either cash it or deposit it at your bank.

Just be mindful of the fact that credit card cash advances are expensive. Capital One Quicksilver charges a cash advance fee of 3% (min $10). There's also a 26.49% (V) cash advance APR that starts accruing immediately. In addition, cash advances at a non-Capital One ATM may be subject to additional bank charges.

If you still want to make a Capital One Quicksilver cash advance, keep in mind that there are withdrawal limits, so review your most recent credit card statement to know how much available credit you have for cash advances. Also, don't forget that paying off the balance works differently than with a regular credit card purchase. That's because there is no grace period for cash advances. This means interest charges start accruing on the date of the transaction.

The easiest way you can reach the Capital One Quicksilver customer service is online, through Capital One's website or mobile app. Alternatively, you can contact them over the phone at (800) 227-4825, or via mail.

To contact them online, either log in to your account at capitalone.com or to the Capital One app. If you prefer to call, just dial (800) 227-4825 and you will be able to talk to a representative. If you choose to contact them by mail, the address is:

Capital One
Attn: General Correspondence
P.O. Box 30285
Salt Lake City, UT 84130-0287

Reaching the Capital One Quicksilver customer service via mail will take the longest. Still, if you choose to do it, you should include your card number in your inquiry, for faster processing.

The Capital One Quicksilver rental car insurance is a free benefit that protects cardholders when they pay for a rental vehicle with the Capital One Quicksilver card. To get coverage, you'll need to decline any insurance offered by the rental agency. It covers damage to the car, theft, loss of use charges, and it pays out up to the cash value of the rented vehicle.

Here is how the Capital One Quicksilver rental car insurance works:

• Overview: Covers Capital One Quicksilver cardholders and eligible authorized drivers against physical damage, theft, towing and loss of use charges. Rental cost must be charged to the Capital One Quicksilver and the rental period must not exceed 31 consecutive days. The benefit is secondary to any other existing rental car insurance policies and applies worldwide, with the exception of countries where the evidence of coverage is prohibited or in conflict with local laws.
• What is covered: Physical damage and theft of eligible vehicles; reasonable loss of use charges imposed by the vehicle rental company for the period of time the rental vehicle is out of service (these charges must be substantiated by a location and class-specific fleet-utilization logs); towing charges to the nearest collision repair facility.
• What is not covered: Trucks; pickups; full-sized vans; off-road vehicles and other RVs; trailers; motorcycles (any vehicle having less than four wheels) and antique vehicles are among the excluded categories.
• How much is covered: Coverage is for the lesser of the actual repair amount, wholesale market value, or the rental agency's purchase invoice, less salvage and depreciation, up to any preset amount specified in your guide to benefits.
• How to claim: Visit mycardbenefits.com or call (888) 531-4227 to open a claim. You must report the claim within 60 days of the loss and submit the requested documentation within 180 days of the incident.

Please note that the above information is for Capital One Quicksilver cards that are issued as World Mastercard and World Elite Mastercard. While Capital One Quicksilver is issued on the Mastercard network, keep in mind that networks are subject to change. If you'd like to know more about your benefits, simply match your Capital One Quicksilver network with the corresponding benefit guide on Capital One's dedicated web page. Or log in to your online account, select the “I Want To” menu and click “Read about Card Benefits.”

When you compare Capital One Platinum Credit Card vs. Capital One QuicksilverOne for no credit, the main differences are that Capital One QuicksilverOne gives 1.5% cash back on all purchases and has a $39 annual fee. On the other hand, Capital One Platinum does not offer rewards and has a $0 annual fee. Other than that, Capital One QuicksilverOne vs. Capital One Platinum is a draw. Both cards are for people with limited. And both cards charge $0 foreign transaction fees.

Capital One Platinum and Capital One QuicksilverOne are both great starter credit cards. They're designed to help people with limited or no credit experience to build good credit scores inexpensively. Which of the two will be better for you depends on how much you plan to spend. Capital One QuicksilverOne is better if you plan to charge at least $2,600 a year ($216.67 per month) because that's when the rewards will cover the cost of the annual fee. Capital One Platinum is preferable otherwise.

You can request a Capital One Quicksilver credit limit increase either online or by phone. When making a request, you'll need to provide Capital One your total annual income, employment status and monthly mortgage or rent payment. So, make sure to have that information ready before submitting your request for a higher chance of approval. 

Keep in mind that new accounts opened within the past several months are generally considered ineligible. Capital One also recommends a history of on-time payments above the minimum amount due with all creditors. Anyone who has received a credit line increase or decrease on their Capital One Quicksilver in the past several months is usually not eligible.

Here's how to get a Capital One Quicksilver credit limit increase online:

1. Log in to your Capital One online account home page.
2. Click the "Services" tab.
3. Click the "Request Credit Line Increase" link.
4. On the request form, enter your total annual income, employment status, monthly housing payment, and maximum desired credit limit.
5. Click "Submit".

To request an increase by phone, call Capital One customer service at the number on the back of the card. From the automated phone system, choose "More Options" to hear the credit increase option. You will need to provide the same information as you would for an online request.

Here's what happens after you submit the Capital One Quicksilver credit limit increase request:

Asking for a Capital One Quicksilver credit limit increase will not affect your credit score, as Capital One uses a soft pull for all credit limit inquiries. Moreover, after you've submitted your request, Capital One generally provides a decision immediately. But if they need to review further information, it may take up to 30 days to receive a decision. If you're approved, your new credit line will be available immediately. 

If you're denied a credit limit increase, Capital One allows you to submit another request any time you like, but your odds of approval are better if you wait six months. Capital One Quicksilver also offers the possibility of automatic credit limit increases for select customers. But there's no guarantee when, or if, one will occur.

To make a balance transfer with Capital One Quicksilver, just log in to your online account or the Capital One mobile app, provide the details of the account from which you wish to transfer your debt and submit your request.

How to make a balance transfer with Capital One Quicksilver:

1. Log in to your Capital One online account or mobile app.
2. Select the "Transfer a Balance" option and provide the amount you want to transfer along with the name, account number and payment address of your other creditor (from whom you wish to transfer your debt).
3. Submit your balance transfer request.

If approved, your balance transfer will be processed immediately, but it can take about 10 business days to reach your other creditor.

Capital One Quicksilver is a very good all-around credit card, though, bringing a lot of value to people's wallets. Capital One Quicksilver offers a 0% intro APR on new purchases and balance transfers for 15 months. Plus, with this card you get a $200 bonus for spending $500 within 3 months of opening an account, and unlimited 1.5 - 5% cash back cash back on all purchases.

How Capital One Quicksilver compares to other balance transfer cards:

When comparing the Capital One Quicksilver with the best balance transfer credit cards, the Wells Fargo Reflect® Card offers a longer introductory balance transfer APR; 0% for up to 21 months from account opening on qualifying balance transfers. The card's regular APR is 15.24% - 27.24% Variable. Wells Fargo Reflect's balance transfer fee is: 3% intro for 120 days, then up to 5% (min $5).