Capital One Quick Silver Approval Odds?

JDF569 · ‎08-02-2014

My scores are as follows:

TransUnion: 628

Equifax: 613

Experian: 602

I have 3/4 degoraty marks

BOA: Closed account, paid in full March 2014

Barclay: Closed account, paid in full Feb 2014

Collection paid in full on Exqifax and Experian

Settled card in less than full amount 2013

Reason for these still a student and was unemployed for a few years, but that doesnt make a difference to creditors, I have tried goodwill getures to get rid of them and used BBB and CFPB.

I have 3 open lines of credit

Capital One Secured Card limit- 200, since Jan of this year, never missed a payment

another account since 2011 limit 1k, never missed a payment

I was just approved for a car loan 1 month ago 12k+, I have made my first payment

What are my chances? Also they asked me to send my DL and copy of my SSN for verfication purposes

B335is · ‎08-02-2014

@JDF569 wrote:
My scores are as follows:

TransUnion: 628
Equifax: 613
Experian: 602

I have 3/4 degoraty marks
BOA: Closed account, paid in full March 2014
Barclay: Closed account, paid in full Feb 2014
Collection paid in full on Exqifax and Experian
Settled card in less than full amount 2013

Reason for these still a student and was unemployed for a few years, but that doesnt make a difference to creditors, I have tried goodwill getures to get rid of them and used BBB and CFPB.

I have 3 open lines of credit

Capital One Secured Card limit- 200, since Jan of this year, never missed a payment
another account since 2011 limit 1k, never missed a payment

I was just approved for a car loan 1 month ago 12k+, I have made my first payment

What are my chances? Also they asked me to send my DL and copy of my SSN for verfication purposes

Did you already apply? I think you'd have a better chance for Quicksilver One with Fico scores around 650.

JDF569 · ‎08-02-2014

Yeah, I did unforunately. But creditkarma said my chances of approval "very good". Probably under a good indicator but it said lowest approval was 583 and highest approval 613 or something. And I read other people's opinion and they mentioned there scores and based off that I think it looks good but never can say.

B335is · ‎08-02-2014

@JDF569 wrote:
Yeah, I did unforunately. But creditkarma said my chances of approval "very good". Probably under a good indicator but it said lowest approval was 583 and highest approval 613 or something. And I read other people's opinion and they mentioned there scores and based off that I think it looks good but never can say.

Ah CreditKarma. I think their "approval odds" are directly tied in with number of inquiries alone, but that's a whole other discussion. Well goodluck and keep us posted. I hope it gets approved!

JDF569 · ‎08-02-2014

Thanks, I was hoping since I've had a secured card with them for 8 months that would increase my chances. i'll probably find out on monday if im approved or not, ill post when I find out.

ChargeItPlease · ‎08-02-2014

I think you've got a good chance for the Quicksilver One MasterCard. My profile was similar when I was approved last year. My score was about 625. I don't think you'd have a chance for the no annual fee Quicksilver Visa though. I think score needs to be 700+.

Capital One Quicksilver One MC $ 1300 opened 11-2013

Capital One Secured MC $ 750 AU opened 08-2012

Capital One Journey Visa $ 300 AU opened 01-2014

Starting Score: 400s (2011) Current: EQ 655 (01-2014) Goal: 700 Last app: 01-01-14. No apps 'til 12-2014!

elim · ‎08-02-2014

@JDF569 wrote:
Thanks, I was hoping since I've had a secured card with them for 8 months that would increase my chances. i'll probably find out on monday if im approved or not, ill post when I find out.

Good Luck!

Closingracer99 · ‎08-02-2014

@B335is wrote:
@JDF569 wrote:
Yeah, I did unforunately. But creditkarma said my chances of approval "very good". Probably under a good indicator but it said lowest approval was 583 and highest approval 613 or something. And I read other people's opinion and they mentioned there scores and based off that I think it looks good but never can say.
Ah CreditKarma. I think their "approval odds" are directly tied in with number of inquiries alone, but that's a whole other discussion. Well goodluck and keep us posted. I hope it gets approved!

Naaa They tell me I have a good chance with a Barclay's cards even with 16 HP's on my TU report

My Cards: Amex BCE: $9,000, Amex Hilton HHonors: $2,000, Amex ED: $12,000, Barclays NFL extra points: $3,000, Bank of America MLB cash rewards: $17,000, BBVA compass NBA Amex triple double rewards: $17,000, Chase Amazon: $1,000, Chase Freedom: $9,000, Chase Sapphire: $5,000, Chase Slate: $5,000, Chase Disney: $4,000, Citi Double Cash: $5,400, Citi AA plat: $5,500, Citi Simplicity: $3,000, Citi Thank you preferred: $8,800, Capital one GM: $2,000, Capital one PlayStation: $3,000, Gamestop: $1,150, Amazon Store: $5,000, Ebay MasterCard: $5,000, American Eagle Storecard: $750, Macy's: $500
EX: 744, TU:750, EQ: 740

B335is · ‎08-02-2014

@Closingracer99 wrote:
@B335is wrote:
@JDF569 wrote:
Yeah, I did unforunately. But creditkarma said my chances of approval "very good". Probably under a good indicator but it said lowest approval was 583 and highest approval 613 or something. And I read other people's opinion and they mentioned there scores and based off that I think it looks good but never can say.
Ah CreditKarma. I think their "approval odds" are directly tied in with number of inquiries alone, but that's a whole other discussion. Well goodluck and keep us posted. I hope it gets approved!
Naaa They tell me I have a good chance with a Barclay's cards even with 16 HP's on my TU report

I stand corrected

TheFate · ‎08-02-2014

Honestly you may have a chance at QS1 with an AF not the regular QS.

Good luck tho, keep us posted!