10-08-2012 01:48 AM
10-08-2012 01:57 AM
Yeah, I don't recommend applying. I was declined and now I am "ineligible for approval for another Capital One Credit Card within the next 45 days."
I am up to 5 HP's. So much for buying a house anytime soon...lol\
10-08-2012 01:58 AM
I think if approved, it would a nice card to have. Plus there is no AF which is nice, mmmm what should I do?
I took the hit so you don't have too. I will call for recon and will let you know the results.
10-08-2012 02:00 AM
10-08-2012 07:39 AM
In my opinion, the best no AF card is the U.S. Bank Cash+ card. You get to choose two 5% categories and a 2% category each quarter, and when you accrue $100 in cashback, you get a bonus $25, so it effectively becomes a 6.25% cashback card on the bonus categories you choose. The categories aren't too bad either and include BillPay, Airlines, Restaraunts, and Department Stores. It is a Visa Signature card though and it requires a pretty good credit score.
+ 1 - this is an excellent card to carry!
10-08-2012 12:55 PM
US Bank will take until friday to decide whether I should get that card or not. I already have 3 credit cards with them, including their flexperks signature. So I think chances of approval are slim. My credit history is very short. But hopefully I am able to get the card, the 5% on two categories is the most enticing to me. I have the platinum package, so I will get a bonus on that as well.
10-08-2012 12:59 PM
Capital one and citi declined me. I only have 1 credit card over a year old, so citi told me to wait awhile and try again. Crap1 didn't have a clue about anything as usual.
I will garden for 6 months and then go on another app spree with citi being the first application.
Amex HHonors $2k approval
Chase Freedom $5k approval
US Bank, still hasn't flat out said no. So, might still be hope there.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO