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Frequent Contributor
JPersat
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



Senior Contributor
jsucool76
Posts: 3,864
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
JPersat
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



Senior Contributor
jsucool76
Posts: 3,864
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: 

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Frequent Contributor
Brian_Trying_700
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
maiden_girl
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
jamesdwi
Posts: 1,970
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, Sally Mae5k Sams Club MC 10k, Paypal Extras MC 6k, CapOne QS 2.5k, QS 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 12/15/2014

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