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Capital One

Established Contributor

Re: ead in the Re: Capital One

Cap One will pull all 3 CRA's.

Message 41 of 67
Valued Member

Re: ead in the Re: Capital One

^Thank you sir! Smiley Happy

TU 770 (11/18/11)
EQ 725 (11/18/11)
Message 42 of 67
Established Contributor

Re: ead in the Re: Capital One


SenorDragon wrote:

Had one, looking to apply for the Green Cash card soon. Anyone by chance know which CRA they pull from when applying?



Green Cash being the green Cash Rewards? I'm pretty sure that's one of their 'premium' cards, so it might be hard to qualify for. They usually pull all 3, but some people have said they only pulled 1 or 2 for the Venture card, and that's also a premium card.

But since it's Cap One.. I would expect all 3.

EQ 679 FICO (02/24/2012)
TU 721 FICO (03/10/2012)
EX 703 FICO (05/05/2012)

Cards: NFCU cashRewards $14k, NFCU Platinum $14k, USAA Amex $7k, Amazon Visa $3k, Chase Freedom $2.5k, Amex Zync NPSL, Discover More $1k, Amazon Store $1.3k, Walmart Store $700
Message 43 of 67
New Member

Re: Capital One

I've got two. One secured and one unsecured. I'm rebuilding and have practically no credit history and they're the only ones that seem willing to help me. As for the person that said there is a limit on Capital One cards, do you have a link to this? As I've read otherwise elsewhere.

Gardening until I finally can check my FICO scores.
Capital One Secured Card, 400.00 CL, Opened 06/2011 | Capital One Platinum Card, 500.00 CL, Opened 11/2011
Message 44 of 67
Mega Contributor

Re: Capital One

I don't thin kthere is a limit on how many Cap 1 cards you can have. Just you have to wait 45-90 days before you can app for another card after approval.




EQ FICO 548 3/3/16
Message 45 of 67
New Contributor

Re: Capital One

I have a Secured card with them.  They pulled all three when I applied.

Message 46 of 67
New Member

Re: Capital One


LS2982 wrote:

I don't thin kthere is a limit on how many Cap 1 cards you can have. Just you have to wait 45-90 days before you can app for another card after approval.


Thanks. I've been curious about that.

Gardening until I finally can check my FICO scores.
Capital One Secured Card, 400.00 CL, Opened 06/2011 | Capital One Platinum Card, 500.00 CL, Opened 11/2011
Message 47 of 67
Established Contributor

Re: Capital One

there is a limit for new cardholders. it's 2.


Starting Score: 575 (As Of Early 2011)
Current Score: TU: 767 EQ: 732 EX; 742 (As Of Feb 2012)
Goal Score: 750


Take the FICO Fitness Challenge

Long way to go ^_^
Message 48 of 67
Established Contributor

Re: Capital One


LS2982 wrote:

I don't thin kthere is a limit on how many Cap 1 cards you can have. Just you have to wait 45-90 days before you can app for another card after approval.



I got approved for my 2 cards days apart. Actually might have even been on the same day, I can't remember.

After that, I've been denied for other cards, and the stated reason was that I had too many Capital One accounts already. Too many being 2. So it would seem there definitely is a limit. It might not apply for people who've had more cards before, or if you get something like the co-branded Kohl's card, but they do have limits.

Of course YMMV, but that's just been my experience.

EQ 679 FICO (02/24/2012)
TU 721 FICO (03/10/2012)
EX 703 FICO (05/05/2012)

Cards: NFCU cashRewards $14k, NFCU Platinum $14k, USAA Amex $7k, Amazon Visa $3k, Chase Freedom $2.5k, Amex Zync NPSL, Discover More $1k, Amazon Store $1.3k, Walmart Store $700
Message 49 of 67
Senior Contributor

Re: Capital One

I've read through all of the posts and have a question. I have 2 Cap Ones and am considering apping for the Best Buy card (hopefully store, but could be MC, if that's what they approve). So, if I do, will I be rejected solely because I already have 2 Cap Ones? Or is it still under HSBC? Someone wrote that they were denied a Sony, I think, because of already having 2 Cap Ones. Sorry, don't recall which card it was for sure.

 

Also, I'm confused about the # of cards limit because reps have several times suggested that I app for a new card -- like when I wanted to convert this card to a rewards card. If their limit is 2, then I wonder why they'd suggest that. But then, I've been given so much erroneous info from them, who knows!

 

 

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EQ FICO 750 | TU FICO 761 (Walmart) | EX FAKO 767 | Goal: 800+

Edits, funky spacing and spelling due to my iPad not getting along with the forum editor!

Message 50 of 67