So guess what? I just got five quick silver cards. Here we go. What's up guys? It's Jay and welcome to Flashpoint. We're all about credit, credit cards and other finance tips. If you're new to the channel, please consider subscribing. Also give this video a thumbs up. It really does help me out. And comment down below with your thoughts on this video. Also comment down below if you have the card. I really appreciate it. And guys, don't forget about my $100 American Airlines gift card giveaway. For once I hit 1000 subscribers. So if you're new to the channel, all you have to do is just be subscribed. Like the videos, participate in the comment section, and that will enter you into the giveaway. So recently I received an email from Capital One. Okay. And I don't really advertise this as often as I do. I might do it on a live stream here and there. But my very first card that I ever applied for was the Capital One Platinum Mastercard. And that was whenever I was trying to recover my credit. I had my identity stolen and it took about three years to try to fix my credit. I did it all on my own. But once I was able to, you know, rehab my credit, I was able to get it to around 630. And then I was able to apply for a credit card. Or at least I got myself into a position where I felt comfortable applying for a credit card. And, you know, at that time they were offering me secured cards. And I just didn't feel like I should have to, you know, put a deposit down for a credit card. I know other people might be in a different scenario than I was in. Because I was actually able to pay my cards on time and keep low balances. So I waited for a little while. And finally, at some point I was finally offered a non-secured version of the Capital One Platinum Mastercard. And so that's how I started recouping my credit. It started, you know, making on time payments. If you don't know much about Capital One, they do report to all three credit bureaus, which are, you know, Experian, Equifax and TransUnion. And, you know, I had the card for a little while. Once I finally started getting into points and miles, I literally just stopped using the card. Now I might put some gum once a month on the card just to keep more positive payments adding to my credit profile. But that's about it. Like, I would just put my account on auto pay. So that way I didn't have to worry about it. And so, you know, gum, something like gum is about $1.50, something like that. Just depending on what kind of gum you get, you know. And so basically I received an email from them, you know, last week. And they were offering to upgrade my card to something that would earn rewards. Because I'm assuming they want to entice me to use the card more. You know, they think if I'm going to be earning rewards, then I'm going to, you know, definitely use the card more. So I went ahead and agreed to it to the terms. And basically it's the non-annual fee version of the Quicksilver card. So there is one that is a $39 annual fee. And if you're really trying to earn rewards, I would suggest for a cashback card, you do not apply for the $39 annual fee. Quicksilver card. You're going to be stuck paying $39 every year for a card that you really get only cashback for. So that's just my opinion. I'm just kind of trying to give you guys different scenarios. So I got my card in. And what ended up happening is I have four authorized users on that account. And they're family members. So, you know, you know, that was just to help them boost their credit scores as well. And so what ended up happening is, you know, once I upgraded my account, they upgraded all the cards. So the one thing that made me feel comfortable with upgrading this card was that for one, I wasn't going to have to take an inquiry. For two, my card number was not going to change. And it hadn't been compromised, so I'm okay with that. And then three, it wasn't going to have any impact on my credit score or on my credit profile. So that was the other reason. And obviously for the points, the potential points that I would get. Now, if you're not familiar with this card, you know, I still have the stickers on it. So this is what the card looks like. And basically, you know, for all the other cards as well, you know, whatever they're all right here. But this is what the card looks like. And it has the numbers on the back. It's a master card. It's plastic, just letting you guys know. It does look like a little metal finish, but it's not metal just to let you guys know. So I would compare this card to, you know, one of the chase unlimited cards, like the freedom unlimited and the ink unlimited. So this is going to be a 1.5% cashback earning card. So basically for every dollar you spend, you're going to get 1.5% cashback on every dollar you spend. Now, I don't always recommend Capital One. But if you're trying to recoup your credit, or if you're just trying to establish credit, then Capital One does report to all three credit bureaus. So that's the way to get all three credit scores boosted over the course of time, once you've been making on time payments, because it's going to report to all three credit bureaus. Now, I think this card is okay. There are other better cashback cards in my opinion, like for instance, the chase cashback cards are among the best, I think, because you have the ability to eventually transfer those points, or transfer that cashback into points later on. Now, would I recommend this card to the, you know, average consumer who is just wanting to get a little bit of something? Sure. Now, what do I think about Capital One? I mean, they're... eh? So-so? But, you know, it was my first choice credit card to get, just because I needed something to help me pick up my credit after it had gone down after someone's still my identity. So, you know, they've been pretty good to me. I haven't had any issues with them. Now, I know most of you may be a little apprehensive to apply for Capital One card, especially now after that data breach happened, but, you know, in the grand scheme of things, that can happen almost anywhere. And so, you know, that person was caught, whatever it may be, and I'm sure it forced Capital One to actually have to ramp up their securities in their systems. So, you know, that's something to kind of be, to feel a little reassured about is that, you know, they're going to identify the problem and hopefully address it in a timely manner. So, yeah, but there are other better cashback cards in my opinion, and if you're just starting out the, you know, Quicks Over card is not a bad option. Now, like I said, this is the non-annually version, because there is a $39 annual fee version. I do not recommend that card whatsoever, because it is just cashback. So, there are other cards, like the 5% cards, like you can get the ducks unlimited, you could get the Freedom card. You could also get the Discover It card, which offer 5% rotating categories, just like the Freedom card. Now, you know, I just wanted to give you guys, you know, a heads up, I upgraded my card to, you know, a Quicks Over card. I wouldn't have applied for it anyways. So, you know, this is kind of a bonus for me, that all the cards that I have are points earning cards, or at least some type of rewards earning cards. So, that's a cool thing. So, yeah, guys, so Quicks Over, here it is. Will I use it? Not necessarily sure, if I will, if this is going to entice me to use it as often, you know, just because it's 1.5% cashback. You know, if I were able to turn these into like venture miles, or something like that, at some point, then possibly, I would use it, but I don't really necessarily see myself using the card as much as I do now, which is once a month on a pack of gum, just so I can get those positive payments reported to all 3 credit bureaus. So, basically, that's all I wanted to bore you guys with, so I appreciate you guys for stopping by. If you would like to support the channel, feel free to use any of the links down below. If you'd like to make a donation to the channel, you can use the support this channel link that says stream labs on it, and that is the easiest way to make a donation to the channel to allow me to create better content. So, I appreciate you guys, and that'll conclude today's video, guys, from a video where they hit that subscribe button. If you've found this information, be helpful, because video thumbs up, really appreciate it. Share it with your friends, drop a comment down below to let me know what you think about the quick silver card, would you get it, do you have it, what do you think about it? I really appreciate it. Don't forget to hit the bell notification down the bottom left corner, so that way you guys can stay up to date for whenever I drop my next video. Be good person, be safe, be smart, smart, be smart. And remember, credit is your life, and I will see you guys in the next one. Peace! Peace! Peace!