Capital one platinum Mastercard

[elaine829]

JUst received a offer from capital one platium Mastercard is this a good card to get? I have a car loan with them. I forgot what credit bureau they pull. Do they give good credit increases.

[Anonymous]

They will pull all 3 bureaus.  Since it's a platium I assume you will be enrolled in the credit steps program, meaning if you make all your payments on time for 6 months they will automatically give you a CLI. When I got my Quicksilver they told me they would increase my limit from $1,000 to $2,000 if I made my payments on time.  They ended up increasing it to $5,000 instead.....as far as CLI's other than credit steps I don't know yet.

[elaine829]

Cardsfan1 I didnt know it was a credit step card. I will pass on that. I have 698 on equifax went down  when inquiry hit for dicover last week transunion 700 and experian 680 my lowest. Why would they give me that offer. I just got approved for discover 4400 and usaa for 7000 and sears for 2500 last week,

[UncleB]

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@elaine829 wrote:

Cardsfan1 I didnt know it was a credit step card. I will pass on that. I have 700 on equifax 698 on transunion went down from 700 when inquiry hit for dicover last week and experian 680 my lowest. Why would they give me that offer. I just got approved for discover 4400 and usaa for 7000 and sears for 2500 last week,

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Where did you get the offer?  With your scores, you should be eligible for Venture and the Quicksilver Visa.

If you haven't already, check the Capital One pre-qual site... it will tell you specifically what you're eligible for, and the APRs as well. 

Just like it's been mentioned, if you 'pull the trigger', there will be a HP on each credit bureau. 

[Anonymous]

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@elaine829 wrote:

JUst received a offer from capital one platium Mastercard is this a good card to get? I have a car loan with them. I forgot what credit bureau they pull. Do they give good credit increases.

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I would not take that card; I would save the time and get the Quicksilver Mastercard, not the Quicksilver One MC. No AF and 1.5% cash back.

[UncleB]

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@Anonymous wrote:

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@elaine829 wrote:

JUst received a offer from capital one platium Mastercard is this a good card to get? I have a car loan with them. I forgot what credit bureau they pull. Do they give good credit increases.

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I would not take that card; I would save the time and get the Quicksilver Mastercard, not the Quicksilver One MC. No AF and 1.5% cash back.

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I agree, but since the Quicksilver MasterCard can't be directly applied for she should give the Quicksilver Visa a look. 

(Unfortunately, the only way to get the Quicksilver MasterCard is to PC into it from another MasterCard product.)

[elaine829]

I received that offer in email. I assume since i have a car loan with them thats why they sent it because im opt out on credit bureaus.

[Anonymous]

Check their online pre-qualify site.  It won't hurt your credit to just see if they have an offer online for you.  They won't HP you until you actually accept an offer and apply.

[Anonymous]

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@UncleB wrote:

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@Anonymous wrote:

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@elaine829 wrote:

JUst received a offer from capital one platium Mastercard is this a good card to get? I have a car loan with them. I forgot what credit bureau they pull. Do they give good credit increases.

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I would not take that card; I would save the time and get the Quicksilver Mastercard, not the Quicksilver One MC. No AF and 1.5% cash back.

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I agree, but since the Quicksilver MasterCard can't be directly applied for she should give the Quicksilver Visa a look. 

(Unfortunately, the only way to get the Quicksilver MasterCard is to PC into it from another MasterCard product.)

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I see.

elaine829, in April 2015 I was approved for the Capital One Platinum at $39.99 AF but free for the first year. I then PC'd this card to the Capital One Quicksilver One MC because the online rep insisted that I can't get a no AF MC. But within 4-5 months I'll be able to PC the card to the Capital Quicksilver MC with no AF and 1.5% cash back.

For some odd reason the rep had reduced the $39.99 AF to $19.00 for the Quicksilver One MC.

[Anonymous]

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@elaine829 wrote:

I received that offer in email. I assume since i have a car loan with them thats why they sent it because im opt out on credit bureaus.

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If you opted out from snail mail pre-qualified offers, that is odd.