11-16-2012 06:30 PM
seems as though many of us have capital one cards so I am wondering if most of you applied for a secondary (better) capital one card and if so how long after the original approval did you try for the next one..... my husband and I both have CO platinum cards, each with $500 credit line but DH was thinking of trying for the cash rewards card...
we have had our cards since dec 2011....thoughts?
11-16-2012 06:34 PM
I have 3 (4 if you count BBRZMC). I started with a secured card, than moved to the NHCR card and last added the MTV visa, than CAP1 took over my BBRZMC. I got the 2nd card after 4 mo and the 3rd card 3 months after that. I am closing a few of them after the first of the year.
11-16-2012 06:34 PM
11-16-2012 06:37 PM
humm...ok so did they offer you those other cards or did you just apply for them? i chatted with a CO rep the other day and told him i was trying to avoid the HPs so where they willing to upgrade the card I had...he said they didn't have an offer for me at the moment but I could always just apply for another card??? i am wondering if it's worth it...
11-16-2012 06:39 PM
I'm not getting any more cards that require a triple HP by default. As a policy I will not accept that. Ill get CSP over Venture.
+ 1 Heo no i going to get $500 credit line with 3 HP........ah ah I'll pass
11-16-2012 06:41 PM - edited 11-16-2012 06:44 PM
Had 4 pure cp1 cards 2 HSBC . I had enough of Capitol one nonsense and closed the 4 pure cp1 accounts. I will keep the orchard and maybe the bestbuy if they waive annual fee otherwise they getting axed after I apply for cash+ in may.Also they never hit me with 3hp combo for any of my accounts.
TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!
11-16-2012 06:46 PM - edited 11-16-2012 06:47 PM
thanks all.....pretty convinced not to go for it now....
With your scores the HPs are not going to really affect you. If you get another Cap1 card and keep a LOW balance (under $10) it should help you establish positive history and help your score. Cap1 is a better rebuild option compared to what is out there....the don't do squat for CLI, PC's or much else really, but what the DO is help you rebuild and if you do it right you will outgrow them and move on.
Edit for sp
IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more
FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.