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Hey everyone!
I was approved for a Capital One Platinum $300 unsecured card on 6/30/15.
On this board, I have noticed that people have more than one card from Capital One when they are rebuilding and was wondering if I should apply for another card with them?
If so, when would I apply? Should I wait until my Platinum reports for the first time?
Thank You
I started with a Platinum in May 2013 when I got my Ch 13 discharge.... then I got a QS One in August 2013.
I waited 3 months... but you don't have to.
Have you tried the Cap1 pre-qual site?
https://findmycard.capitalone.com/en/PageVersions/LandingPages/LP_UNS_QUICK_RWD_V01.aspx
If it says, "XXXX, we couldn't match your records to a card offer. But based on your answers, we think you might like this card." - - I would NOT app.
If it gives you a preapproval on the Cap1 Quicksilver, I'd try it depending on the rest of your profile.
I opened the Platinum as a secured $200 card in January. I PIF'd every month and in June I checked the preapproval site and it prepaproved be for the Quicksilver. I applied and got $1,000 unsecured. I ran some charges and paid them right away and they gave me a $300 unsecured CLI on the Platinum card just a couple weeks later.
I really like the QS card so far because of the cashback.
Get them both at the same time if you can. I got two within the same week and it didn't double my inquiries. I also wasn't following this board yet nor did I check the prequal site first. I think I just recently got the prequal offers for the two that I've had since December so it's not 100% that you'll be rejected if you don't see any specific offers. I apped for my brother who has zero credit except for him being an au on my lower co card. He got approved for both PC and qs1 and only one inquiry.