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Established Member
Posts: 18
Registered: ‎08-06-2012

Finally!! Approved for Cap One Cash Rewards!

[ Edited ]

Hey All,


First off I'd like to thank this great community for helping me find my way after a very long and ardous climb to rebuilding my credit! I've spent a LOT of time repairing, removing negs from my CR. It has helped me immensely. Not long ago my scores were in the low 600's. Today my median score is a 730. I am still in rebuilder mode, but with my scores was always depressed about the fact I could not get approved for a regular unsecured card. I took some great advice from some members here learning how to eventually get an unsecured. Even though my CR is almost completely clean (one CO from hsbc about 5 years ago which was paid, and only shows on experian) I opened up a walmart card, and a cap one secured. This was about a month ago. I was also told to open a BoA secured as well to have 3 active cards showing on my CR, and hopefully after a year i would be in a good position once again to get prime bank approval.


While I was set to apply for the BoA secured tonight, something came over me. I know they put a HP on your report even for the secured. I said since that's the case maybe i should try for an unsecured. Now I know i'm not at the point where the prime banks would likey give me an approval (Chase, Amex etc) so I decided to take a risk on the Cap one cash back card. Credit Karma showed I was very likely to get approved so I bit the bullet and tried. It was a risk and I did not think I would be approved, but to my surprise I was, with a $500 CL. Nothing special, but it's a start! Thanks to this wonderful community. 

Established Contributor
Posts: 772
Registered: ‎01-03-2012

Re: Finally!! Approved for Cap One Cash Rewards!

Congrats on the unsecured card! Smiley Happy


Treat your cards well and you'll have a portfolio in no time.  

Starting Score: Jan 2012: EQ - 659, TU08 - 670, EX - ???
Current Score:April 2014: EQ - 772, TU08 - 782, EX - 754
Last App:3/21/14

Regular Contributor
Posts: 234
Registered: ‎08-04-2012

Re: Finally!! Approved for Cap One Cash Rewards!

Congrats. Enjoy the card!

Super Contributor
Posts: 6,848
Registered: ‎12-11-2011

Re: Finally!! Approved for Cap One Cash Rewards!



I love my cash rewards card, rewards post instantly. 


Remember to check out perk central to get up to 15% bonus cash back Smiley Very Happy 

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012

Re: Finally!! Approved for Cap One Cash Rewards!


Established Contributor
Posts: 657
Registered: ‎06-27-2012

Re: Finally!! Approved for Cap One Cash Rewards!

Cheers to your new card.  Love the instant cash rewards G.L. on your CC journey well on your way to awesomoe cards.


BOA: 8.9k
CSP: 5k
Discover: 5k
Citi TY Preferd: 5k
Wally: 5k
JCP: 4.9k
citiForward: 4.7k
ChaseFreedom: 4.5k
DFS: 2k

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