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Frequent Contributor
Steelersboy
Posts: 333
Registered: ‎06-25-2013

Pre-approved for CapOne Platinum card

So I've been approved for yet another card, CapOne Platinum. I'm an UA on one card and I have my own. So........................should I? It would give me another line of credit. 0% APR until May 2014 and higher credit limit after making first 5 payments on time. I'm leaning towards going for it. I'm currently not carrying any balances and I'm getting that credit card "itch" that people talk about. lol Oh, and no AF.

 
If a man empties his purse into his head, no one can take it from him. An investment in knowledge always pays the best interest. - Benjamin Franklin
FICO Equifax-710, FICO Transunion-729, FICO Experian-740, Walmart FICO-756
Capital One Platinum|Capital One Quicksilver Cash Rewards|Chase Amazon Visa Rewards|BOA Cash Rewards|Walmart Discover|Goal scores- 760+
In the garden until 2014
Super Contributor
coldnmn
Posts: 7,757
Registered: ‎08-08-2011

Re: Pre-approved for CapOne Platinum card

Normally I would ask you your credit such as any baddies length of credit history etc. IMHO no don't go for it. First of all your only allowed 2 Cap1 cards not counting cobranded cards. Looking at your signature you have some cards that will grow with you. Cap1 will do 3 hard pulls more then likely for a low limit card with no rewards. Follow the advice on here if you don't need it don't apply. All you will end up doing is making the other card companys your with nervous. As always YMMV.   


My Wallet: Ace US Bank $6000 / Walmart Discover $6000 / US Bank Cash+ Signature $5500 / Discover IT $5000
/ Care Credit $5000 / PayPal SmartConnect $4000 / Sam's Discover $4000 / Cap1 Quicksilver $4000
/ Barclay Ring $3550
Last App 10/25/13 / Gardening to keep ahead of Wade to Diamond! ROFLOL!
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Valued Contributor
myjourney
Posts: 23,569
Registered: ‎02-07-2013

Re: Pre-approved for CapOne Platinum card


Steelersboy wrote:

So I've been approved for yet another card, CapOne Platinum. I'm an UA on one card and I have my own. So........................should I? It would give me another line of credit. 0% APR until May 2014 and higher credit limit after making first 5 payments on time. I'm leaning towards going for it. I'm currently not carrying any balances and I'm getting that credit card "itch" that people talk about. lol Oh, and no AF.


IMHO and not sure if other cards in sig are yours or AU but you don't need another CAP1 card garden what you have until you see another lender you would like to have :smileywink:

"Intelligence plus character--that is the goal of true education"
I will be gardening until a better offer/bonus comes along
Last escape 06/06/13 Bronze 7/6/2013 Silver 9/6/2013 Gold 12/6/2013 Palladium 3/6/14 made it

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