How long until another cc?

Anonymous · ‎08-27-2015

So, I have this capital one secured for 700.

I've spent and paid over $3000 on it in the last 34 days (I made sure it only reported like 90 bucks. But yeah...when should I apply for another cap 1? I know I'm being eager and impatient but you probably get me

My scores were all 480-490 when I got the secured. They are 561 eq, 514 ex and 522 tu.

Anonymous · ‎08-27-2015

Also I've had the sec for 1 month. And prequalifier says nothing for me. I'm afraid to try and get shot down and have cap1 look at me badly or something

Taoron · ‎08-27-2015

@Anonymous wrote:
My scores were all 480-490 when I got the secured. They are 561 eq, 514 ex and 522 tu.

You can try something like Credit One or First Premiere with those scores, they may approve you.

Capital One Venture Visa Signature Cards $38,000 @17.9% APR since May 2015

Capital One Quicksilver Cards $6,500 @17.9% APR since May 2015

BCU Cash Back Visa $6,000 @12.25% APR since May 2015

Barclaycard Rewards Card $5,050 @22.99% APR since February 2015

NFCU cashRewards Signature Visa $12,500 @14.90% APR since March 2016

Barclaycard CashForward World MasterCard $1,000 @22.99% APR since March 2016

Discover it Card $500 @21.99% APR since April 2015

Paypal Credit $2,500 @19.99% APR since March 2015

Amazon Credit $2,500 @25.99% APR since March 2015

Newegg Credit $500 @29.99% APR since October 2015

Filed BK7: 04-03-14 / Discharged: 07-08-14

Merrick Bank $1,400 @22.99% APR since July 2015

BCU Secured Card $600 @18% APR since August 2014

NFCU Navchek $500 @15.9% APR since March 2016

Anonymous · ‎08-27-2015

Yeah no thanks, that's why I was asking how long.

Anonymous · ‎08-27-2015

Another main reason. I really don't like debit cards. That's another reason I want more limits/cards. It would make me feel better. Juggling 3 grand through a 700 dollar line is rough

panthersguy · ‎08-27-2015

Did you burn Cap1 in your BK?? If not, even though you don't have a preapproval from their website. I say give it a shot. My wife didn't have a preapproval and was approved for a QS with a $3k CL and a Platinum with a $2k. I DID have a preapproval and got the QS with a $1k and another QS with a $500 CL. We had been discharged about 3 days and didn't burn them in our BK... it only costs you an inquiry which is not gonna kill your score at this point.

Just my opinion, others may disagree...you've shown good handling of the secured and have a low uti...so why not??

Pway · ‎08-27-2015

I say go for it. I was not pre qual when I applied either. I cold apped for all of three of my Capital One cards. I don't see you being denied, app for the QS1.

Thank you for the wealth of knowledge I have learned from these forums. I am logging off as of November 9, 2022. I wish everyone great success.

Anonymous · ‎08-27-2015

Ok I'm thoroughly surprised...barely a month of usage. Terrible credit (not even pre qual with credit one) was approved. $500 limit but hey...I'm not complaining