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Established Contributor
CribDuchess
Posts: 659
Registered: ‎09-12-2011
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Re: Did I Get Denied OR Approved???


Ron1 wrote:

CribDuchess wrote:

Ron1 wrote:

Thanks for the replies.  I have one Cap1 credit card. I applied for Cap1 Cash Back for excellent credit. I'm sure they pulled HP.  My Tu score was 738. EQ was 801.  No late, no charge-off.

 

 

Ron.


I'm sure you will be approved.  But, I'm curious as to why you didn't just ask to pc your current card to the Cash Back card?  Apping for Cap One when I know they will pull all 3 bureaus gives me the willies!  :smileysurprised:


I asked them last year. It is a different tier card and it's for average credit.  It was subprime card and I got them wavied for the annual fee.  The card is No Hassle Rewards MC. They don't that any more.

 

 

Ron.


What are the features of the No Hassle Rewards card?  I'm not seeing it on their website?  Do you have a link for it?

FICOs: TU08 841 10/6/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 800 11/8/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Super Contributor
Ron1
Posts: 5,476
Registered: ‎05-23-2009
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Re: Did I Get Denied OR Approved???

It is an old card. I think you can combine rewards checking points and credit cards points to redeems gift cards, merchandise, and cash back. I googled it and here is the link:

 

https://nohasslerewards.capitalone.com/

 

 

Ron.

Established Contributor
CribDuchess
Posts: 659
Registered: ‎09-12-2011
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Re: Did I Get Denied OR Approved???


Ron1 wrote:

It is an old card. I think you can combine rewards checking points and credit cards points to redeems gift cards, merchandise, and cash back. I googled it and here is the link:

 

https://nohasslerewards.capitalone.com/

 

 

Ron.



Thank you for sharing that link.  I was able to log in on that page and it is showing my existing Cash Rewards card that I just pc'd to.  Interesting.  I guess I'm not fully understanding how the card you applied for is different from the one I pc'd to?  Well, other than the $100 bonus for spending $500.  Now that is something nice!

 

NoHassle.JPG 

 

 

FICOs: TU08 841 10/6/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 800 11/8/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Super Contributor
Ron1
Posts: 5,476
Registered: ‎05-23-2009
0

Re: Did I Get Denied OR Approved???


CribDuchess wrote:

Ron1 wrote:

CribDuchess wrote:

Ron1 wrote:

Thanks for the replies.  I have one Cap1 credit card. I applied for Cap1 Cash Back for excellent credit. I'm sure they pulled HP.  My Tu score was 738. EQ was 801.  No late, no charge-off.

 

 

Ron.


I'm sure you will be approved.  But, I'm curious as to why you didn't just ask to pc your current card to the Cash Back card?  Apping for Cap One when I know they will pull all 3 bureaus gives me the willies!  :smileysurprised:


I asked them last year. It is a different tier card and it's for average credit.  It was subprime card and I got them wavied for the annual fee.  The card is No Hassle Rewards MC. They don't that any more.

 

 

Ron.


What are the features of the No Hassle Rewards card?  I'm not seeing it on their website?  Do you have a link for it?


Here is the link for the all No Hassle Rewards cards (including cash points, miles):

 

 

http://www.capitalone.com/rewards/no-hassle-rewards-explore/

 

 

I don't know it's still available to get.

 

 

Ron.

Super Contributor
Ron1
Posts: 5,476
Registered: ‎05-23-2009
0

Re: Did I Get Denied OR Approved???

The different one is not 1.5% cash back and it is different tier.  The one I have is not qualified for any CLI or upgrade to another type of card.

 

 

Ron.

Established Contributor
CribDuchess
Posts: 659
Registered: ‎09-12-2011
0

Re: Did I Get Denied OR Approved???

Thanks Ron.  I was able to confirm that the card I pc'd to has the No Hassle Rewards program.  My upgrade letter from Capital One confirms this.  Thanks for sharing all this information as I had no idea this was a benefit of my card.

 

This is the letter I got from Cap One after they pc'd/upgraded my card.

 

CapOne Letter.JPG

 

 

After all this, I still sort of think you could have pc'd to this.  Maybe there is still something I'm missing?  Anyway, good luck on your pending app!!

 

FICOs: TU08 841 10/6/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 800 11/8/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Valued Contributor
SnackTrader
Posts: 1,567
Registered: ‎09-15-2012
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Re: Did I Get Denied OR Approved???

If it helps, Ron.  I applied for the excellent credit version back in June with no baddies, a 4 year AAoA, and no prior revolving history.  I also received a 7-10 day notice, and I didn't find out for 3 or 4 business days that I was approved, even though I called in every day.  But, the good news is that I was approved.  I wish you the best!


In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Super Contributor
Ron1
Posts: 5,476
Registered: ‎05-23-2009
0

Re: Did I Get Denied OR Approved???


CribDuchess wrote:

Thanks Ron.  I was able to confirm that the card I pc'd to has the No Hassle Rewards program.  My upgrade letter from Capital One confirms this.  Thanks for sharing all this information as I had no idea this was a benefit of my card.

 

This is the letter I got from Cap One after they pc'd/upgraded my card.

 

CapOne Letter.JPG

 

 

After all this, I still sort of think you could have pc'd to this.  Maybe there is still something I'm missing?  Anyway, good luck on your pending app!!

 


I already have this card. I want something different from that card. This card only gives 1% cash back. It cannot pc/upgrade to another type of card. I had two of them and I closed one of them. I closed the Visa with $2000 CL. I just want to see if I can get out of the subprime territory. :smileyhappy:

 

 

Ron.

Established Contributor
CribDuchess
Posts: 659
Registered: ‎09-12-2011
0

Re: Did I Get Denied OR Approved???


Ron1 wrote:

The different one is not 1.5% cash back and it is different tier.  The one I have is not qualified for any CLI or upgrade to another type of card.

 

 

Ron.


The different one is this new one you applied for or the card you currently have?

 

FICOs: TU08 841 10/6/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 800 11/8/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K
Established Contributor
CribDuchess
Posts: 659
Registered: ‎09-12-2011
0

Re: Did I Get Denied OR Approved???


Ron1 wrote:

CribDuchess wrote:

Thanks Ron.  I was able to confirm that the card I pc'd to has the No Hassle Rewards program.  My upgrade letter from Capital One confirms this.  Thanks for sharing all this information as I had no idea this was a benefit of my card.

 

This is the letter I got from Cap One after they pc'd/upgraded my card.

 

CapOne Letter.JPG

 

 

After all this, I still sort of think you could have pc'd to this.  Maybe there is still something I'm missing?  Anyway, good luck on your pending app!!

 


I already have this card. I want something different from that card. This card only gives 1% cash back. It cannot pc/upgrade to another type of card. I had two of them and I closed one of them. I closed the Visa with $2000 CL. I just want to see if I can get out of the subprime territory. :smileyhappy:

 

 

Ron.


This card is giving me 1.5% cash back.

In reading your posts, I know that you are wayyyy beyond the subprime territory! :smileyhappy: 

 

FICOs: TU08 841 10/6/14 per Wally; TU98 800 4/8/14; EQ04 769 6/8/14; EQ08 800 11/8/14; EX 805 6/12/14 per MyFICO

My Wallet: Amex Gold NPSL; Amex Optima Platinum $25K; Amex Costco TE $15K; Amex BCE $12K; BofA Visa $10.1K; Cap1 Quicksilver Visa Sig $10K; CSP $28.2K; Chase Freedom $13K; Citi Double Cash $10K; Citi Simplicity Visa $15.1K; Discover IT $24K; Fidelity Amex $25K; PenFed Plat Rewards Visa Sig $20K; Sallie Mae WMC $12.5K; US Bank Cash+ Visa Sig $24.5K; Walmart Discover $10K; Wells Fargo Rewards Visa Sig $14K

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