Reply
Frequent Contributor
Posts: 299
Registered: ‎05-28-2012
0

Capital one PC

I have the craptacular rebuilder but eventually want to get a rewards card. Once the rest of my report updates by the 21st I should be in the 650-660- range across the board. Do I have a chance at doing a PC, or is it better to expect a parakeet to fly outta my butt?


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Super Contributor
Posts: 5,494
Registered: ‎12-11-2011
0

Re: Capital one PC

It is most definitely a possibility, I PCd my plat card to cash rewards after having it for 2 weeks, but you're probably more likely to have the parakeet story come true. 

;
Frequent Contributor
Posts: 299
Registered: ‎05-28-2012
0

Re: Capital one PC

And what are the magic words to get it done? The...ahem...non Americans.....I always end up talking to have no idea what I'm talking about or tell me it isn't possible.


Starting Score: 492 02/12
Current Score: TU: 668 (FICO), EQ: 668 (FICO). EX: 651(lender pull 9/27/12)
Goal Score: 660



Super Contributor
Posts: 5,494
Registered: ‎12-11-2011
0

Re: Capital one PC

[ Edited ]

I did it via "Chat Now" right above the account list when you log in. 

 

I asked if there was any chance in the future my card could be eligible to get rewards (I didn't expect it to happen right then since the account was so new) and the person transferred me to an account manager or something and they just did it right there. 

 

Although from what I've learned I think I may have been given one of their non-rebuilder cards judging by my high starting CL, but on the other hand I did get the credit steps program. So I really don't know. 

 

Edit: Asked a CSR, they said my card is an "Average" card :smileytongue: 

;
Frequent Contributor
Posts: 445
Registered: ‎09-14-2011
0

Re: Capital one PC

Your odds are better with the lottery :smileylol:

Garden mode till 11/19/2013 Amex Zync 500 H-L I Discover More 1750 I Capital One Rewards 1750 I Barclay Apple 1500 I Macys 2000 I Orchard 400 I Walmart 2000 I Chase Freedom 1500 I Lowes 1K l Barclay NFL 1K l Wright Express gas 2500 l PayPal Debit MasterCard BusinessCard $ ?
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Capital one PC

CAP 1 is sooooo sneaky! They have "Credit Step" cards mostly and don't even tell you until you try to get a CLI....

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 2,218
Registered: ‎09-16-2011
0

Re: Capital one PC

They provide a letter about, but its not easy to find on there on-line system. It used to be a big selling point of the card, it was one of the reason I joined, and back then it was two steps not just one. 

 

 

Cards: Chase Southwest 20k & CSP 10k & Freedom 6.6k & Amtrak 4.6k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & Hilton Surpass 7.5k & Delta Gold 6k & Zync NPSL, Fidelity AMEX 12k Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne Venture 15k, QS 2.5k, QS 750, Amazon 5k, Walmart 10k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 8.5k and a nice stack of store cards.
Last APP/HP 4/22/2015
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.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

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.