Credit Card Center Advertiser Disclosure

Frequent Contributor
Posts: 342
Registered: ‎06-16-2007
0 Kudos

Re: does anyone know what credit score I need to get a capital one card or capital one loan?

serenity72 wrote:
ty the only reason im thinking of cap one is for there fertility healthcare loan. I am not sure what score you need for them for a loan or a card, but I want to get my foot in the door with them so if I cant get approved for the fertility care right now I could maybee work up to it with a card through them. My experian score is 527, eq 498, and transion 478

Have you tried to repair your credit before applying for loans and credit cards?
Established Contributor
Posts: 513
Registered: ‎05-31-2007
0 Kudos

Re: does anyone know what credit score I need to get a capital one card or capital one loan?

If you can possibly get another card, other than CAP1, I would advise it.. Unless you want a card that is darn near impossible to get a CLI. I have three I got way back when, that I will be cancelling when the annual fees are due again next year. maybe sooner. Just paranoid about closing cards.
Frequent Contributor
Posts: 367
Registered: ‎07-31-2007
0 Kudos

Re: does anyone know what credit score I need to get a capital one card or capital one loan?

Yeah I have to agree. Capital was the first card I applied for when I was 18, it was my mother's suggestion, and they are very difficult. I've always paid my bill in full, never missed a paymemt or paid late, yet when I tried to increase my credit limit one time, I was automatically denied. They did increase later on, but most card companies would have increased my CL.

In the Garden Club since: 07/05/2017

6/9/2008 Experian-635

2/16/2011 Transunion - 675
3/11/2011 Equifax - 688
5/13/2011 Equifax - 704
5/28/2011 Equifax - 704
5/28/2011 Transunion - 724

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.