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Capital One Pre Qualify Link Question

Regular Contributor

Capital One Pre Qualify Link Question

So I have been trying the link once in a while I always would qualify for the secured credit card. Today for my surprise I am pre qualified for this.

 

Congratulations! We think you'll like this pre-qualified card offer.

Credit Card Features Primary Benefit: Purchase APR: Transfer Information: Annual Fee:
Get the credit you need with a 0% Intro APR
0% Intro APR until September 2011; 17.9%-22.9% variable APR after that
17.9%-22.9% variable APR; No transfer fee
$39
Question is theres still a chance I might get declined correct????
I had a charge off with them a long time ago and it was paid and removed.
I currently have and Orchard Card, First Premier and Kays never been late with them.
I would like to get rid of the first premier which I've had for 6 months now once I hit the 1 year mark I will close it.
Any suggestions guys?? Thanks for the help!
Message 1 of 28
27 REPLIES
Established Contributor

Re: Capital One Pre Qualify Link Question

I feel like the Cap-1 Poster-boy now that I've suggested this card to many in this forum hahaha.  Reality, yes there's always a chance of denial but as I've stated before Capital One has been more forgiving and doesn't blacklist those who made mistakes in the past.  I would suggest going for it.  If it doesn't get approved, check the Cap1 backdoor numbers at the top of this forum and speak to someone about a down sell on the Cap1 Standard Platinum card or even their new Secured card which appears to be a new program for a lot less startup cost.

Message 2 of 28
Established Contributor

Re: Capital One Pre Qualify Link Question

I have 2, you will get it...
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 3 of 28
Established Contributor

Re: Capital One Pre Qualify Link Question

lol me too!  thanks smug!  Most start out in that Credit Steps program.

Message 4 of 28
Contributor

Re: Capital One Pre Qualify Link Question

i have two.. one with an a/f and one without... i say go for it and 6 months from now close the 1st premier

Message 5 of 28
Regular Contributor

Re: Capital One Pre Qualify Link Question

Thank you guys!!! What is the credit steps program?

Message 6 of 28
Established Contributor

Re: Capital One Pre Qualify Link Question

You will get a auto CLI one the card, I have one rewards card and one non reward I love the website and notifications.
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 7 of 28
Established Contributor

Re: Capital One Pre Qualify Link Question

ON the card.
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 8 of 28
Regular Contributor

Re: Capital One Pre Qualify Link Question

I JUST did the pre-approval just being curious and got approved for their NO Hassle Rewards Card  2% on Gas & 1% on Groceries and all other purchases  WITH 0% interest until 9/11 ( I PIF everymonth anyway) it's just nice to have zero for a while....


Starting Score: EX: 500 FAKO -TU: 497- EQ: 529 12/9/2010
Current Score:
EX: 560 TU: 550-EQ: 569 5/14/15
Goal Score:
700 across the board


Take the FICO Fitness Challenge
Message 9 of 28
Regular Contributor

Re: Capital One Pre Qualify Link Question

WOw nice whats the limit?

Message 10 of 28