<prompt> Human: So, a little background before the card question. I have a couple old debts from about 6 years ago that Ive never paid two medical bills Im disputing, Ive had a credit one card that Ive always made payments on ever since 2008, last year I got a capital one platinum card and paid on that religiously as well. Last year I also got a car loan and paid every single payment on time. My credit score has always been in the 500s. Until what. This past month? It was 590, then I got an offer in the mail for the capital one quicksilver card. I googled info about it online and saw that capital one offered two of those. One for average credit people and one for people with excellent credit. I thought hey. Why not. Its probably the one for average credit people, but I like the rewards so thatll be fun to get. So Ive had it for a month. So little time I havent even made a payment on it yet. Fast forward to 5 minutes ago I post a question on here asking about credit cards, someone tells me hey they come with cool benefits! I go to capital ones website and look at all the cards and the two quicksilver rewards cards together I notice...I remembered mine said no annual fee and had a visa logo. Not MasterCard. Did I just get the card for people with excellent credit?! If so, how is that possible?!After I got the card, my credit score was updated a few days ago and it said it shot up to 650. This...this is interesting. Im confused and happy and...confused all at the same time.  <response>: I have a couple old debts from about 6 years ago that Ive never paidThey probably dropped off the 7-yr threshold. 