03-03-2013 09:05 AM
So, earlier this week contacted Cap One EO and they took my crappy cap one platinum with its 300 dollar credit line and no rewards and gave it 1% cash back and bumped the credit line to 2k. Just this past hour, I was approved for the Discover IT(1k), and the Citi Forward(2.5k). Only missing the amex blue cash and my wallet will be complete. This has been and continues to be a fun journey returning from the depths of credit hell and being able to share it with you all.
03-03-2013 09:08 AM
Thnx man !!! I now join you in the garden, until amex deems me worthy of a blue cash lol.
03-03-2013 09:09 AM
Very nice! I'm jealous of your CSP!!! I, too have had an amazing week. Before monday the only card I had was a Cap One $750!!! Maybe I will contact the EO regarding my toy limit and annual fee. How will you know you're ready for blue cash? I'm also interested in this card, but don't want to press my luck. For my freedom card, chase pulled TU and EQ. I wonder if this is usual for them?? Anyhow, congratulations on your new cards!!!
03-03-2013 09:13 AM
03-03-2013 09:18 AM
Check the boards here there's and in-depth guide as to how to go about dealing with the Cap One EO. Everyone, myself included, seem to have tremendous success with them. As far the blue cash, I already have a zync, and whenever I apply they will pull my experian, which happens to be the weakest of my 3 reports. At last check my plus score was 676. Therefore I will have to garden for a while, let accounts age some more months before applying again.
03-03-2013 09:24 AM
You should def give it a shot. I was on the verge of cancelling the card, even tho that cap one is now my oldest card. I had no use for it. Altho in fairness, I probably won't use it much regardless lol.
03-03-2013 09:24 AM
I will have to try that EO once all my new (higher) limits post. So since you already have zync, amex will only sp your report? Or will it be a hp? AND they will backdate it, correct? I totally should have gotten that unicorn when I had the chance...
03-03-2013 09:28 AM
When you're a cardmember and you attempt to apply for another card, the general rule of thumb is soft pull if denied, hard pull if approved. I got the zync because I like the flexibility of the charge card, and 25 dollar annual fee was worth it to me to build a relationship with amex. Also yes, they backdate which is awesome. So say they approve me for blue cash this year. It'll be backdated to 2012 when I acquired the zync.
Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.