cancel
Showing results for 
Search instead for 
Did you mean: 

Escaping Capitol One

Contributor

Re: Escaping Capitol One


nuggets321 wrote:

@ Sitori, IF you are new to credit they can be a great credit builder, just dont expect too much growth with them....


I just applied for the cash rewards card and was denied!  WTH.   I cant deal.


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 31 of 41
Established Member

Re: Escaping Capitol One


Sitori wrote:

nuggets321 wrote:

@ Sitori, IF you are new to credit they can be a great credit builder, just dont expect too much growth with them....


I just applied for the cash rewards card and was denied!  WTH.   I cant deal.


If you're new to credit, it'll be very hard to obtain a rewards card. Why don't you try their platinum card (the one with no AF)?

Starting Score: 735 (EQ) / 777 (TU)Oct. 2012
Current Score: 761 (EQ) / 752 (TU)Aug. 2014
Goal Score: 800
App free since 19.11.2013. \o/
Message 32 of 41
Contributor

Re: Escaping Capitol One

I read that one was the one for limited history!  aaaahhhh...should I try to apply for that one instead??

 

I was just approved for $1200 CL on the Amazon card so I thought I would have a shot at the Cap 1.  


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 33 of 41
Frequent Contributor

Re: Escaping Capitol One

If you have whats commonly referred to as a "thin file" (not mcuh in your credit history) they do have a "newcomer card"... they have a pre-qualify site on their main page, that MAY be an indicator as to what they MIGHT extend to you... they have 2 different cash rewards cards, one is for average creditand the other for excellent credit... before you go crazy applying remember that they pull ALL 3 buresus and inquiries can lower your score each time you apply... their prequalify link will not affect your score..

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 34 of 41
Contributor

Re: Escaping Capitol One

Sorry I don't want to jack this thread.

 

I tried the pre-qualify link and after entering my info it always says "couldnt match records"   Shrug


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 35 of 41
Valued Contributor

Re: Escaping Capitol One

I would avoid applying for anything CAP1 after this. CAP1 is one of the few lendes that pulls 3 CR when they consider you for any of their cards.

As of 2017, rebuilding...
Message 36 of 41
Frequent Contributor

Re: Escaping Capitol One

@ sitori, remember you "want" to add something, but credit should be a matter of "need"... are those scores in your signature fico scores ? you may do well to hold out a little longer and try the Discovecard "pre-qualify link" . If those are real ficos, you may break the 700 mark before too long resulting in better overall odds of being approved for a "prime" card

TU-721 (MortgagePull) EQ- 697(MortgagePull ) EXP 693(MortgagePull) FWEB 24,2015
My Wallet : Dicover More 35,500 CL -Amex Zync NPSL -WellsFargoRewards4800 - -CapOne 3000CL -GEMBWalMart 5000CL - Zales 4000CL-Kays 2900--Macys 5000CL /SSFCU 5000CL / CitiBank Diamond Pref 15000CL - CHASE Freedom 13500CL -Lowes 10,000 CL - BBuyStoreCard 10,000CL Sears Store Card (Citi) 3000 - Firestone CFNB 1400 Toyota Financial $35,000 Auto -2200DiscountTire(GECRB) Citi TY Preferred 8100CL - Chase Slate$4000-BofA15000-ToyotaRewardsVisa$10,700 -BofA$8500 AMEX BCE 9,500
Message 37 of 41
Contributor

Re: Escaping Capitol One


nuggets321 wrote:

@ sitori, remember you "want" to add something, but credit should be a matter of "need"... are those scores in your signature fico scores ? you may do well to hold out a little longer and try the Discovecard "pre-qualify link" . If those are real ficos, you may break the 700 mark before too long resulting in better overall odds of being approved for a "prime" card


yes it is a matter of need...I NEED history, that is all.  lol

 

How do I know if they're FICO? They're from my most recent credit report. I think I can pull it up and see what it says exactly....


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 38 of 41
Valued Contributor

Re: Escaping Capitol One


Sitori wrote:

nuggets321 wrote:

@ sitori, remember you "want" to add something, but credit should be a matter of "need"... are those scores in your signature fico scores ? you may do well to hold out a little longer and try the Discovecard "pre-qualify link" . If those are real ficos, you may break the 700 mark before too long resulting in better overall odds of being approved for a "prime" card


yes it is a matter of need...I NEED history, that is all.  lol

 

How do I know if they're FICO? They're from my most recent credit report. I think I can pull it up and see what it says exactly....


 

You can only get a FICO score from a lender or here at myfico.com. Scores offered direct from the credit agencies are not FICO scores but FAKO scores.

As of 2017, rebuilding...
Message 39 of 41
Contributor

Re: Escaping Capitol One

Ok here...this is what it says...

 

TU FICO CLASSIC 04  -- 685

 

EFX FACTA BEACON 5.0 -- 689

 

XPN/FAIR ISAAC MODEL II -- 639

 

 

Sooooo what does all that mean? lol   The only one that is FICO is the TU?


-------------------------------------------------------------------------------------------------
EQ 701, TU 685, EX ?
Wallet:
Amazon store $2500(10/12), Cap1 $1500 (10/12), Discover $1700 (11/1/12).
Message 40 of 41