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You should try getting the Secured Credit Card. You put your own money and it gives you that same amount as a credit limit. Try not applying so frequently. They'll think you're desparate. Good luck though
@eric19k wrote:
Just a month and a half ago I applied 4 times for capital one CC.
Well today I decided to apply again and see what happens. Booom! Got a decline message. Well went to smoke a cigarette and while smoking was cursing and blaming myself. Then I logged in and searched forum for similar stories, found EO number, called and spoke to a nice guy.
He asked income, rent questions and then he said within 5-7 days someone will be calling me and he submitted my application. So i wonder how likely they will approve me?
Seems like you applied yet again and it going to be yet another hard pull. Try to limit you apping. Not only does it make you look desperate, it also reduces your score and makes it even harder for you to get prime cards. Which card are you apping for?
@eric19k wrote:
Just a month and a half ago I applied 4 times for capital one CC.
Well today I decided to apply again and see what happens. Booom! Got a decline message. Well went to smoke a cigarette and while smoking was cursing and blaming myself. Then I logged in and searched forum for similar stories, found EO number, called and spoke to a nice guy.
He asked income, rent questions and then he said within 5-7 days someone will be calling me and he submitted my application. So i wonder how likely they will approve me?
Which of the CapOne cards are you applying for? That makes a big difference on your chances, but I will def. agree with the above posts. You really need to take it slow on the apps especially when you're getting denials. You have multiple hard pulls on your credit report and no new accounts which tells other lenders you're desperately seeking new credit and noone is approving you. Believe me I know how hard it is as I myself have just in the past year started to build my credit portfolio up and I know how eager you get to get there fast and how hard it is to resist the urge to keep apping even though you're not getting anywhere, but the painful truth is there is NO fast or easy way...just time and patience and you WILL prevail! It sounds as if you did another app over the phone rather than a recon. Hopefully they won't do another hard pull, but at any rate regardless of whether they do another or not the fact remains if you do get approved thats great news. Take it and garden it to get your scores up and let those hard pulls age some so you can set yourself up for more prime cards in the future. If you don't get approved then I would highly recommend the secure cards like one of the other posters mentioned as that is a GREAT way to raise your scores, however, if you don't have the funds to do that there is always Credit One who just about approves anyone in the 500's. Due be advised though that they are very low end cards and have a lot of fees and high APR's. A lot on here don't like them and speak against them and although I wouldn't recommend them to anyone with any other alternative I did personally have them and they def. served the purpose I got them for and that was to get me started and raise my score enough to app and be approved for more prime cards and then I let them go before the annual fee was due.
This forum is AMAZING at educating you on how to handle and maintain and improve any credit so you're in the right place Just keep reading around the forum and you will uncover a wealth of information regarding all aspects of credit! Good Luck to you in your credit journey!!
Looking at your current score I think it would be best if you applied for their secured card and manage that for a year before applying for a unsecured. You are taking unecesary hard pulls each and every time you apply for one of their cards which is only harming you.
Good luck to you. Hopefully, 5th time the charm. The guy you spoke to wasn't Yuri was it?