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Capital one platinum approved... Yes!!!!!

Regular Contributor

Capital one platinum approved... Yes!!!!!

Guys so I dont know lately Ive had some application anxiety lol. So all of you know I recently got a bofa secured with 400 limit, since then i got my scores up to 644 tu and 640 Eq. On saturday i decided to apply for a macys card as i shared with some of you on another post and got denied (super bummer) as i thought this was gonna be a step backwards in scores for me (hopefully not) then tonight i felt brave lol and i applied for a capital one and got approved 300 unsecured !! This is my first card without having to give a deposit, and even though its 300 im excited to have it. Will this account make up for the failure with macys? And why would macys deny and capital one approve lol kinda shocked and excited at the same time
CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Message 1 of 14
13 REPLIES
Established Contributor

Re: Capital one platinum approved... Yes!!!!!

You'll lose a few points due to new inquiries, having the new Cap1 won't make up for the Macys denial scoring wise, but an unsecure card is good!


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 2 of 14
Regular Contributor

Re: Capital one platinum approved... Yes!!!!!

Darn it, thought it would. Still have 1 last collection on all reports hopefully when that last one comes off the bofa secured and the capital one unsecured will help me sky rocket to the top lol
CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Message 3 of 14
Established Contributor

Re: Capital one platinum approved... Yes!!!!!

I'm sure it will! 


Starting Score (08/11/11): TU08: 643
Current Score: TU08: 741
Goal Score: Stay in the 700s; keep reports clean


Take the FICO Fitness Challenge
Message 4 of 14
Regular Contributor

Re: Capital one platinum approved... Yes!!!!!

Thanks!!!
CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Message 5 of 14
Valued Contributor

Re: Capital one platinum approved... Yes!!!!!

Was it the Cash Rewards platinum or the classic platinum?

Scores 5/15/2016 (clean reports!): TU Walmart FICO: 696 | EQ FICO: 679 | EX AMEX FICO: 680

In my new wallet: American Express Green EMV: PSL $2000 | BankAmericard Cash Rewards Visa EMV: $2500 | Citi AAdvantage Platinum Select World MasterCard: $6400 | Barclaycard Arrival World MasterCard: $1000 | Discover IT: $2500 | Amazon Rewards Visa Signature: $1500 | Chase Freedom: $1500 | Capital One QuicksilverOne MasterCard: $2100 | Target: $2800 | J.Crew $21,550 | Marvel (Captain America) MasterCard: $6000
Message 6 of 14
Established Contributor

Re: Capital one platinum approved... Yes!!!!!

Congratulations. I started with  $300 Capital One card too and scores way lower than yours. Just keep keeping on!


BK in January 2008---Barclay's Apple Financing Card ($10,000) --- Capital One Quicksilver ($13,000)--- Platinum Delta Skymiles ($29,500) --- GEMB CareCredit ($10,000) --- AUFCU ($10000)---Discover IT ($28,000)

Experian 746 Transunion 806-- July 2017
Message 7 of 14
Regular Contributor

Re: Capital one platinum approved... Yes!!!!!

i believe it was the classic platinum if im not mistaking 

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Message 8 of 14
Regular Contributor

Re: Capital one platinum approved... Yes!!!!!

thanks daisy! Theres hope lol. I see you come a long way your self since that $300 card. keep up the good work yourself

CURRENT SCORES: EX Fico (Amex) 730, TU Fico 745, EQ Fico 717

CURRENT CARDS: Amex Green NPSL, Amex BCE 2K, Chase Sapphire 5K, Citi Thankyou Preferred 3.5K, Discover It 1.7K, Walmart Discover 1.6K, Capital One Platinum 1.5K

Message 9 of 14
Established Member

Re: Capital one platinum approved... Yes!!!!!

Macy's pulls Experian, and even though the score you have posted is a Fako, it's still a lot lower than the other two.
Message 10 of 14