Capital One No Hassles: APPROVED!!

[JonStur]

I was trying to wait till summer but itch got too strong... I applied and was approved for the no hassles card with a $1,000 CL. Apparently in Ohio they pull TU and EX even though I thought they pulled EQ. Preferred the no hassles because of the gas and grocery rewards.

[MAstudent07]

Congratulations on your approval and nice CL. Which credit level did you apply for? The "Excellent" or "Average" range?

[JonStur]

I checked average because my EQ is 712 2 inqs, that's who I thought they pulled. My TU is 697 5 inqs, EX 680 4 inqs. Both have charge- off from Oct. because SANTANDER royally jerked me. Imagine my surprise when checking True Credit today and realized thats who they pulled.

[clocktick]

Yeah, Cap One pulls all 3.  Congrats though!

[JayRizzo]

(talking in the voice of the Godfather)... Welcome to the "No Hassles" family!!!  My best wishes to you and your family as you begin to receive your rewards!  Remember these family rules:  1) Don't go over your limit, put on the brakes if you reach $800  2) Pay on time and pay often [multiple times per month, if necessary]  3) Ask if they can waive your AF, if not, then counter for them to waive HALF the AF.  4) Be patient.  Cap-1 will quote they are "conservative" lenders when it comes to CLIs, so Patience is a Virtue.  Again, congratulations; welcome to the family; and continue to share your advice and experiences to others in this forum.

[JonStur]

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@JayRizzo wrote:

(talking in the voice of the Godfather)... Welcome to the "No Hassles" family!!!  My best wishes to you and your family as you begin to receive your rewards!  Remember these family rules:  1) Don't go over your limit, put on the brakes if you reach $800  2) Pay on time and pay often [multiple times per month, if necessary]  3) Ask if they can waive your AF, if not, then counter for them to waive HALF the AF.  4) Be patient.  Cap-1 will quote they are "conservative" lenders when it comes to CLIs, so Patience is a Virtue.  Again, congratulations; welcome to the family; and continue to share your advice and experiences to others in this forum.

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Thank you Don JayRizzo. It is an honor to be a member of the family. I promise to follow your orders and will not bring shame or dishonour to the "No Hassels" family. All my life I've strived to be a made man. I will not let you down!!!!

[john398]

Nice thing about capital one is they have a preapproval site that you can check with a soft pull before applying

[tinuviel]

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@JonStur wrote:

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@JayRizzo wrote:

(talking in the voice of the Godfather)... Welcome to the "No Hassles" family!!!  My best wishes to you and your family as you begin to receive your rewards!  Remember these family rules:  1) Don't go over your limit, put on the brakes if you reach $800  2) Pay on time and pay often [multiple times per month, if necessary]  3) Ask if they can waive your AF, if not, then counter for them to waive HALF the AF.  4) Be patient.  Cap-1 will quote they are "conservative" lenders when it comes to CLIs, so Patience is a Virtue.  Again, congratulations; welcome to the family; and continue to share your advice and experiences to others in this forum.

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Thank you Don JayRizzo. It is an honor to be a member of the family. I promise to follow your orders and will not bring shame or dishonour to the "No Hassels" family. All my life I've strived to be a made man. I will not let you down!!!!

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Congrats, and welcome to The Family!