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Regular Contributor
RussianPassion
Posts: 168
Registered: ‎08-03-2011

Capital One Platinum... Approved!

When I started my credit rebuilding project in June, I was only pre-qualified for secured cards. I had FICO's in the mid 500's and had 7 derogs on CR's. After getting half of them removed I was pre-qualified for a Capital One Rewards card with 300CL. Today, after fighting with EOS for the entire day trying to get them to PFD (I am yet to succeed), I checked to see if I can be pre-q-ed for another card.I tried AMEX and Discover and did not find any offers. I then found an offer for Capital One Platinum card and applied. Bam and I got another card with $1000CL. I know its not the best card, but at this point I can't be picky. Ironically, I have a judgement on CR for Capital One that I am trying to get set aside... In any event, grats me. Thanks you September. :smileyhappy:

Frequent Contributor
SevenNEW
Posts: 409
Registered: ‎08-24-2011

Re: Capital One Platinum... Approved!

Good job! Time for some gardening, now...

SevenNEW, Zen Gardener - "Think about it, the garden is better than the Orchard!!"
In the Garden!
4.2K 10K 20K
Regular Contributor
RussianPassion
Posts: 168
Registered: ‎08-03-2011

Re: Capital One Platinum... Approved!

What is "gardening"? I see it here now and then but have no idea what it means... haha

Established Contributor
Smug
Posts: 960
Registered: ‎12-21-2010

Re: Capital One Platinum... Approved!

Using and caring for the cards you have and not apping for any more.
Experian® 777/Equifax® 655/TransUnion® 770
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $111,190.00
Goal 780!
Regular Contributor
RussianPassion
Posts: 168
Registered: ‎08-03-2011

Re: Capital One Platinum... Approved!

Ah I see. Thanks!

Valued Member
Gabo
Posts: 27
Registered: ‎01-20-2011

Re: Capital One Platinum... Approved!

Question, is Capital 1 still pull all 3 credit report 

Regular Contributor
RussianPassion
Posts: 168
Registered: ‎08-03-2011

Re: Capital One Platinum... Approved!

They did with my first card. With this one, I am not sure yet. I will let you know as soon as I see the hard inq on my reports.

Established Contributor
KIPPIE12
Posts: 619
Registered: ‎05-09-2009

Re: Capital One Platinum... Approved!

Yes, you can count on 3 hard pulls.............1 on each bureau.   Congrats on your approval.

Current Score: EQ: 781 TU: 798 EX: 802 (Fico) 8/13
Goal Scores: 760 Across all 3-Finally


Citi TY Premier 36k| Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| CapOne 15K|Chase Freedom VS 19.3k|Citi Dividend WMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Sams Discover 10k|Chase IHG Select Visa 26k|Macys 5k

Regular Contributor
RussianPassion
Posts: 168
Registered: ‎08-03-2011

Re: Capital One Platinum... Approved!

Yep, checked today. Hard hit on each of the 3.

Established Contributor
mAndrew1980
Posts: 707
Registered: ‎08-26-2011

Re: Capital One Platinum... Approved!

Jesus, a 1000CL is high for a Cap 1 platinum. I got a whopping $300 and now it's up to $500.

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.




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