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Regular Contributor
Posts: 209
Registered: ‎12-10-2010
0

Should I go for new Cap One card?

Hi all. I have a crappy Cap One card with a $750 limit. I have been pre approved for the Cap One Prestige, Venture Rewards, and Cap One Cash. My scores are in my signature. Do you think I should apply for one of these cards? Will they let me combine accounts later? My credit portfolio is below. 

 

PNC Flex Visa - 17.5k

Citi Platinum Select MC - 10.2k

BOA World Points - 10k

Citi MTVU - 8.3k

Discover More - 5.5k

Nordstrom Sig Visa - 5k

Citi Diamond Preferred - 3.7k

Banana Republic - 2.3k

Amex Blue - 1k

 

I have other retail cards that I don't use. Total avail credit is over 70k. Util @ 20% - will be much lower by the end of this month. 8 or 9 INQ on EX, 4 or so on EQ & TU. Your thoughts are appreciated! 

6/13: FICO TU (Walmart): 750
6/13: FICO EQ (Score Watch): 769
Goal: 780+, 0 Balances, No app'ing! (For real this time!!!)
Established Contributor
Posts: 614
Registered: ‎10-23-2011
0

Re: Should I go for new Cap One card?


lovely222 wrote:

Hi all. I have a crappy Cap One card with a $750 limit. I have been pre approved for the Cap One Prestige, Venture Rewards, and Cap One Cash. My scores are in my signature. Do you think I should apply for one of these cards? Will they let me combine accounts later? My credit portfolio is below. 

 

PNC Flex Visa - 17.5k

Citi Platinum Select MC - 10.2k

BOA World Points - 10k

Citi MTVU - 8.3k

Discover More - 5.5k

Nordstrom Sig Visa - 5k

Citi Diamond Preferred - 3.7k

Banana Republic - 2.3k

Amex Blue - 1k

 

I have other retail cards that I don't use. Total avail credit is over 70k. Util @ 20% - will be much lower by the end of this month. 8 or 9 INQ on EX, 4 or so on EQ & TU. Your thoughts are appreciated! 


To be honest it really depends on which CB they pull...I know they will usually pull all 3 for new customers but I believe once you are a customer they just pull one. I didn't see your EQ score in your signature. 


Starting Score: EQ 686 10/18/11, TU 689 10/25/11, EX 685 10/11 (Amex Pull)....these are all FICO scores
Current Score: EQ 702 10/24/11, TU 689, EX 685
Goal Score: 750+

Score Update: EQ: 743 (02/03/12) TU: 741 (Walmart 01/11/12), now 761 as of 01/27/12 (Walmart), EX: 741 (Amex 01/04/12)
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Regular Contributor
Posts: 209
Registered: ‎12-10-2010
0

Re: Should I go for new Cap One card?

Hello again, fusion! I haven't pulled EQ in awhile. In May it was 710 or so. Do you know what limit I can expect with these cards? If it's not that much higher, there's no point in applying. 

 

Does anyone know who they pull in NJ? 

6/13: FICO TU (Walmart): 750
6/13: FICO EQ (Score Watch): 769
Goal: 780+, 0 Balances, No app'ing! (For real this time!!!)
Established Contributor
Posts: 715
Registered: ‎08-26-2011
0

Re: Should I go for new Cap One card?

Do you need more credit? It seems you have a lot of available credit already?

Transunion: 713 FICO (5/13/2014) MyFico
Experian: 789 FICO (4/10/12) Lender Pull
Equifax: 695 FICO (1/10/14) MyFico

My cards: Chase United Mileage Plus 7000CL (3/12), CITI Simplicity 1800CL (9/12), Cap1 Platinum 1000CL (2/10), Cap1 Cash back 1500CL (11/11), Apple Barclay's 2500CL (11/11), Discover IT 6000CL (5/13)

My Primary Financial Goal is to put down my utl%.



Regular Contributor
Posts: 209
Registered: ‎12-10-2010
0

Re: Should I go for new Cap One card?


mAndrew1980 wrote:

Do you need more credit? It seems you have a lot of available credit already?


Smiley Very Happy Haha. Touche. I just want to change my subprime Cap One card to a prime one. If they don't pull EX, I will likely app for one and combine/close the old account. 

6/13: FICO TU (Walmart): 750
6/13: FICO EQ (Score Watch): 769
Goal: 780+, 0 Balances, No app'ing! (For real this time!!!)
Regular Contributor
Posts: 209
Registered: ‎12-10-2010
0

Re: Should I go for new Cap One card?

Ah well, pulled the trigger. Approved for Venture One Rewards - 3k limit, no AF, 0% APR until 10/12. 

 

Now I will really be gardening! 

 

...Until I try for Amex Zync again. Smiley Very Happy

6/13: FICO TU (Walmart): 750
6/13: FICO EQ (Score Watch): 769
Goal: 780+, 0 Balances, No app'ing! (For real this time!!!)
Contributor
Posts: 82
Registered: ‎02-20-2010
0

Re: Should I go for new Cap One card?

I kno its a bit off topic but how is PNC? They give you a pretty large limit and I'm looking into getting into the 5 digits in regards to limits. Highest for me is citi with 6k.

.Believe.
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Regular Contributor
Posts: 159
Registered: ‎09-02-2010
0

Re: Should I go for new Cap One card?

Log into your cap one acct, click on "Modify Features" along the top of your summary. Then click on the dolar sign bubble. You may have already been offered a better card. Cap one will offer to upgrade your card type when you have met certain criteria.

4/6/09 EQ 555 TU 498 EX 553
9/3/10 EQ 590 TU 566 (Just now starting the rebuild)
9/11/10 EQ 610 TU 627
10/21/10 EQ 625 TU 660
12/08/11 EQ 681 TU 648 EX 667
2/13/12 EQ 677 TU 658 EX 675

From 9/2010 to 2/2012 I have gotten $44k in available credit, and closed on my first home 12/23/2011. All was made possible by the people here. Stay with it, it is possible!
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