02-28-2009 03:18 PM
I have Capital One Platinum (MasterCard) and recenly asked for CLI, but was denied. Apparently they do it a lot because of current credit crisis. Fine, so instead I went to their website and looked for pre-approved offers. For those who don't know, there is a form which you fill out and they tell you which cards you are pre-approved. My results were 3 cards, one of them was Standard Platinum (MasterCard).
Does anyone know if Standard Platinum and Platinum are different cards/versions of the same card? I've seen they also have Classic Platinum card.
Also, has anyone had success recently applying for pre-approved cards? If yes/no what were your scores?
03-01-2009 01:47 AM
I recieved a pre approved yesterday. I was hesistant but applied online anyway. To my suprise, I was approved. The terms were, $39 a year membership, 0 financing for 6 months, but my credit limit will be sent to me when the card arrives. The very minimum is going to be $200, accoring to the contract.
I have my credit scores posted below and they are pretty bad. I was so happy to get approved because I am trying so hard to rebuild.
03-01-2009 05:48 AM
03-01-2009 06:17 AM - edited 03-01-2009 06:22 AM
I understand that this is not a credit card application
03-01-2009 06:26 AM
03-01-2009 06:53 AM
posts show they have been known to forgive esp. after good behavior for a few years.
Hi, does anyone know if Capitol One blacklists at all. Thanks for any information.
03-01-2009 07:17 AM
03-01-2009 08:34 AM
Regarding Cap One blacklisting - they did not for me. I have a (paid) charge-off with them that's still on my reports and they still gave me a card.
Same here. I had a card that went awry about 10 years ago and they gave me a new card in Jan 08. Plat MC that started at 3k, went to 3750 w/ requested CLI, 4250 w/ steps, and finally 5250 w/ another requested CLI.
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.
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.