@Anonymous wrote:
I have a cap one qs card... had it for over 2 yrs now. I just applied for cap one platinum card a week ago... did I downgrade? My score atm is in the average range. I'm trying to raise my score to excellent.
It is a fixable situation as others have said, but you do realize you took a 3 bureau hit for the card?
If your score is in the average range I would have tried for better rewards cards that even the QS.
I look at it like this, play the odds that 3 credit applications will get you one good card evening out to 3 credit pulls, but you might even get lucky....... You could score 3, or 2.....
And if you scored nothing, well then you probably still could go back and get a CapOne card...
Just sayin......
It is by will alone I set my mind in motion.....
Always follow these rules: Only take a HP for a new account. Always use the best rewards card for that reward category. Don't close a card unless you know you really should. Never use more than 35% of a credit limit. Recon as much and as best you can. Use the introductory period to the best advantage. Get the signup bonus. Whenever possible PIF or balance transfer so you pay less in interest. Never give an excellent rating when it is actually the norm. Always look for a discount as more is always better.
Always accept candy from strangers because they have the best candy or from people you know have good candy.
