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Capital One Platinum... Approved!

Regular Contributor

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. Smiley Happy

Message 1 of 36
35 REPLIES
Established Contributor

Re: Capital One Platinum... Approved!

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

SevenNEW, Garden Nerd - In the Garden until 2015!
4.2K 10K 24.6K
Message 2 of 36
Regular Contributor

Re: Capital One Platinum... Approved!

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

Message 3 of 36
Established Contributor

Re: Capital One Platinum... Approved!

Using and caring for the cards you have and not apping for any more.
Experian® 808/Equifax® ?/TransUnion® 810
Baddies Experian® clean/Equifax® 1/TransUnion® Clean
Last CLI 6-13-2013
Total Credit $121,190.00
Goal 780!
Message 4 of 36
Regular Contributor

Re: Capital One Platinum... Approved!

Ah I see. Thanks!

Message 5 of 36
Valued Member

Re: Capital One Platinum... Approved!

Question, is Capital 1 still pull all 3 credit report 

Message 6 of 36
Regular Contributor

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.

Message 7 of 36
Established Contributor

Re: Capital One Platinum... Approved!

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

Current Score: EQ: 828, EX: 833, TU: 820 Citi TY Premier WEMC 46.5, (Since 1983)Discover 15.6k|BOA WMC 30.5k|Barclays Juniper Rewards 15k|Barclays Amex 20k| Cap One QS WMC 15K|Chase Freedom VS 19.3k|Citi Dividend WEMC 25k|FNBO 15.5k|CSP 22.1K|Chase Marriott 31.3k|Citi TYP 20K|Citi DP 16.5k|Macys 5k|Sams MasterCard 15k|Barclay Arrival Plus WEMC 18.7k|Chase IHG WMC 26k|Citi Double Cash 10k|Chase MileagePlus Explorer 14k|Amex Everyday 16.2|BBVA Amex 22.5k|Total Rewards VS 12.5k|SGV 10K|Venture 12k|BOA Virgin Atlantic WEMC 11.2K|MB Amex 9.5k
Message 8 of 36
Regular Contributor

Re: Capital One Platinum... Approved!

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

Message 9 of 36
Established Contributor

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%.



Message 10 of 36