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Valued Contributor
jamesdwi
Posts: 1,434
Registered: ‎09-16-2011

Son got "Capital One Platinum MC prepared for" UPDATE!!!

[ Edited ]

Is this a pre-approved offer?  Anyone get one and have it denied? I added him as AU's on my two CapOne accounts about 3 months ago. both cards have no lates or anything, oldest is 40months usually 0-10% UTL 2k CL.  The second card 15 months old $750 0 balance. Before they wouldn't give him an unsecured card.  Only thing on his credit is a small medical collection. No cards or loans. 

 

Income is about 10k,  Lives at home. 

 

He App'd today, Approved for $500 CL not bad for his first card. 

 

 

 

 

Cards: Chase Southwest 20k & CSP 10k & Amtrak 4.6k, & Freedom 3.3k & Slate 3.3k, FNBO DISC 14.9k Oregon Duck 5k, & AMEX BCP 15k & AMEX Hilton Surpass 7.5k & AMEX Zync NPSL, Sams Club Discover 10k, Paypal Extras MC 6k, CapOne 2.5k, CapOne 750, Amazon 3.9k, Walmart 4.5k, Citi Simplicity 7k, HHonors Gold 1k (moved 5k CL to Simplicity), Discover IT 6.5k and a nice stack of store cards.
Last APP 4/26//2014 no plans for new credit I think I have enough.
Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Son got "Capital One Platinum MC prepared for"


jamesdwi wrote:

Is this a pre-approved offer?  Anyone get one and have it denied? I added him as AU's on my two CapOne accounts about 3 months ago. both cards have no lates or anything, oldest is 40months usually 0-10% UTL 2k CL.  The second card 15 months old $750 0 balance. Before they wouldn't give him an unsecured card.  Only thing on his credit is a small medical collection. No cards or loans. 

 

Income is about 10k,  Lives at home. 

 

 


Its a YMMV thing, I would say try it and see what happens.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
nicholasc77
Posts: 115
Registered: ‎04-30-2012

Re: Son got "Capital One Platinum MC prepared for"

Yes pull the trigger the pre -approved always work and do it apply for him he needs a card keep me posted do it online now


jamesdwi wrote:

Is this a pre-approved offer?  Anyone get one and have it denied? I added him as AU's on my two CapOne accounts about 3 months ago. both cards have no lates or anything, oldest is 40months usually 0-10% UTL 2k CL.  The second card 15 months old $750 0 balance. Before they wouldn't give him an unsecured card.  Only thing on his credit is a small medical collection. No cards or loans. 

 

Income is about 10k,  Lives at home. 

 

 


 

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011

Re: Son got "Capital One Platinum MC prepared for"


nicholasc77 wrote:

Yes pull the trigger the pre -approved always work and do it apply for him he needs a card keep me posted do it online now


jamesdwi wrote:

Is this a pre-approved offer?  Anyone get one and have it denied? I added him as AU's on my two CapOne accounts about 3 months ago. both cards have no lates or anything, oldest is 40months usually 0-10% UTL 2k CL.  The second card 15 months old $750 0 balance. Before they wouldn't give him an unsecured card.  Only thing on his credit is a small medical collection. No cards or loans. 

 

Income is about 10k,  Lives at home. 

 

 


 


:smileysurprised:

 

hold your horses there!!! :smileyvery-happy:

 

Pre-approval doesn't always work but its a good indicator.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Member
Cranski
Posts: 94
Registered: ‎07-21-2012

Re: Son got "Capital One Platinum MC prepared for"

Agreed, there is plenty of information to show that they are just mass mailing from purchased consumer information.

 

I would guess one could check their reports and see if Cap1 soft hit their report. If so is there any derogatory information that might show up with a hard pull, that would give the an idea on approval chances...

 

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Established Contributor
Cadillac-XTS
Posts: 1,837
Registered: ‎08-20-2012

Re: Son got "Capital One Platinum MC prepared for"

I agree with LS2982. Pre-approval doesnt always work. I personally know of someone whom get them pre-approvals  monthly and has applied for 3 of the last 6 pre-approvals and deined each time.

Valued Member
Cranski
Posts: 94
Registered: ‎07-21-2012

Re: Son got "Capital One Platinum MC prepared for"

After the 45 day period hopefully. You're friend should know why he got denied the first time, and if it was fixed or not. You know people judge you by who you associate with >_>

CS 701, CK 682, Credit.com 719/ TU FICO 666 (DIS 8/12) EU FICO 658 (8/12)
After spree CS 738, CK 684, TU FICO 666 (Dis 8/5)

WF Secured 600Cl (7/11), Discover More 1.5k (8/12), Walmart 150CL(8/12), Cap1 Platinum w/Credit steps($300) (8/12)
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Son got "Capital One Platinum MC prepared for"

I got an offer just like this in the mail from them after they denied me for the cap1 secured. It was the plat mc but with no af for life, i had no credit history, and they accepted me for 3k then pc'd me to cash rewards no af, so it is definitely worth a try.

Good luck!
Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
jsickz32
Posts: 1,987
Registered: ‎06-25-2012

Re: Son got "Capital One Platinum MC prepared for"

Im jelly ive never received any card offers in my life....
Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)
Mega Contributor
Creditaddict
Posts: 18,911
Registered: ‎10-23-2007

Re: Son got "Capital One Platinum MC prepared for"

I say SKIP - While you can do pre-approvals online and I have not personally see those get declined when friends have done it, does he have any of his own credit? or just your 2 AU Cap1?

How old is he?

I probably would look into Zync if he has over 6 months of history on a card of his own

Citi Forward

Lately LOTS of talk on Amazon Visa (Chase) actually even lots of chatter with no credit.

You have Chase for long time and actually a higher $2k limit but still I would think after all this time you coudl be much higher with other banks... I just really hate Cap1 but at least they are finally all coming to one unified answer "We know we are not even on the boat anymore of taking our cardholders into primeville when they raise credit from 500's to 800's! we will just let you close your account and go with other banks.... I mean the CEO should be fired if he/she thinks this is how you build a good reputation.

Fico Scores: EQ 657 Cabelas, TU 665 GE, EX 699 Wells (07-27-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Fidelity Amex $25k (AU)
Lowest Limit: Buckle $250
Over 30 Cards in between :smileytongue:

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