So I applied for the Cap One Student Journey last week and got the popular 7-10 days notice. I called immediately for recon and was told they don't do recon for student journey because it was done online only. TOTALLY BUMMED! 3 HP for nothing?? UGH!
I did some more looking and saw that lots of people had success with the EO. I sent them a detailed email explaining my position and my worthiness. I emphasized that I'd like to get my foot in the door with their great company and that a card for me would be rewarding for the both of us. 
I followed up with a phone call the next day and a case was opened. I was told 3-5 days for a decision and to call back within that time frame. I called back twice on day 3 and it was with the underwriters but no decision yet.
I just called again and was told "Great news! You have been approved!" Holy smokes!! $300 limit which for my scores and amount of credit hisstory, I am thrilled with this. Plus no AF on the Journey? Oh yes.
For reference...
TU 606
EX 608
EQ 632
One medical collections PIF but not sure if updated as PIF. Two charged off loans - one PIF but not sure if updated. One other medical collections that I just found out is incorrectly on my CRs and is in the process of being removed but I don't know if it had been yet. Oldest revolving is Discover It Secured since 11/14.
YAY!!
@Anonymous wrote:So I applied for the Cap One Student Journey last week and got the popular 7-10 days notice. I called immediately for recon and was told they don't do recon for student journey because it was done online only. TOTALLY BUMMED! 3 HP for nothing?? UGH!
I did some more looking and saw that lots of people had success with the EO. I sent them a detailed email explaining my position and my worthiness. I emphasized that I'd like to get my foot in the door with their great company and that a card for me would be rewarding for the both of us.
I just called again and was told "Great news! You have been approved!" Holy smokes!! $300 limit which for my scores and amount of credit hisstory, I am thrilled with this. Plus no AF on the Journey? Oh yes.
For reference...
TU 606
EX 608
EQ 632
One medical collections PIF but not sure if updated as PIF. Two charged off loans - one PIF but not sure if updated. One other medical collections that I just found out is incorrectly on my CRs and is in the process of being removed but I don't know if it had been yet. Oldest revolving is Discover It Secured since 11/14.
YAY!!
Congratulations on the approval!
@Anonymous wrote:
Journey is a great starter card from them and is an easy PC to QS Visa after a few months.
Did you just say something nice about Cap One?
