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Established Contributor
Posts: 540
Registered: ‎08-05-2009
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I never had a chargeoff with Cap1 or a credit card with them for that matter. I've been prequalified on their website for months and months for four of their cards. Last week I recieved my new Citi Plat. Select MC with a 8.7K CL and yesterday I was approved for The Home Depot CC for $500. I then applied for Cap1 and was instantly denied. My average score is 740. Before these cards I was just an AU on my wifes 4 accounts for the past 6 years with excellent history.

Amex BCE $11.1 / Citi Diamond Preferred WMC $12K / Citi Double Cash WMC $3.8K / Comenity Total Rewards Visa $2.5K / Citi Home Depot $5K / AU- Amex BCP $12K / Chase Freedom Visa $11014.00 / PenFed Platinum Rewards Visa Signature $6K / GE Lowes $10K
myFico Scores on 10/03/2014
Eq 798 / Exp 811 / Trans 814
CCT Fico 08 on 1/3/16 - Trans 786 / Exp 793 / Eq 797
New Contributor
Posts: 72
Registered: ‎11-20-2009
0 Kudos


I was approved for the Cap1 with credit steps and got an initial credit limit of $300... that increased to $500 on my fourth statement... and hopefully it will increase to $1k on my seventh statement.

EQ: 680, TU 665, EX 615 (FAKO)
Regular Contributor
Posts: 115
Registered: ‎05-27-2007
0 Kudos


Awesome! Congrats!

Starting Score: 480-550 in 2005
Current Score: 761 TU/764 EQ - 08/1/2013 /754 EX 12/15/12
Goal Score: 800

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Regular Contributor
Posts: 139
Registered: ‎10-17-2009
0 Kudos


Hi sorry it took days to respond life is kinda kaotic but my scores are 555EQ and 614TU

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