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i got a funny pre-approval for a cap1 platinum today that seems to combine the features of 3 different standard cards on their website-No annual fee(matches their prime cards), 0% APR until August '13(matches the cap1 classic platinum with $19 AF) and 22.9% ongoing APR(only the secured has this APR).
Of course it also says they may increase my credit line after 5 months, so i guess this is one of their credit-steps. Basically one of their subprime cards, without an AF. Maybe that means in a year or so it could be PC into the no fee CashRewards. Anyways since im looking at AMEX and then US Bank when the vast majority of my inqs age off in spring no new accounts. Shredder Food!
lol
crap one ugh....
I think this is the letter I got, and they started me out with a $3,000 limit, and PC'd me to cash rewards after 2 weeks.
That is the credit steps card I got. 0 AF, 0 APR 12 (maybe 10), 22.9. Started with 500, 5 statements later got auto CLI to 750
| Chase Freedom $9500 DCU Visa $10000 Capital One QS $2000 AMEX BCE $3000 | Lowe's CC $8500 WalMart CC $3100 BOA Platinum $600 AMEX Gold NPSL |