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Almost 3 months after BOA started reporting a out of the blue a 2011 charge off that I was unable to settle with them and ruining my rebuilding efforts dropping my score from 700 to 650 (karma), I decided today to check cap one's pre approval website and I was pre approved for A quicksilver card with $39 Annual fee.
So, I didn't wait and applied for it AND for the Platinum card that has a $19 annual fee as well.
I was approved for the Quicksilver for a 3k CL!!! I was VERY SURPRISED.. but Was NOT approved for the Platinum, although it said they need more time to look into it. (I applied for both cards to use 1 pull for both applications as i have read people are doing)
Should I call Cap One on the Platinum card and see if they approve it as well ? Thoughts?
forgot to ask whether I should call them today or tomorrow if at all.. or just wait. I read they require to send in fax info , not sure. thanks
anyone knows?
It seems to me it would be verification to see if you applied for both cards. I would call them to check on the status and they would be able to get you to the right department.
I called 800-903-9177 and talked to an application specialist to find out what happened.
She stated that the application was pending further review and that I had to wait until it was reviewed.
I asked if they were going to pull credit again at the time someone reviews it and she stated they WILL PULL credit when they review it.
Anyone knows if this is the case? I thought when you hit the submit button they pull credit then regardles of what the outcome is.
The lady stated I can cancel the application if I wanted, so I need to verify this with you guys in order to let it go for review knowing for sure they have already pulled and will use today's report and NOT pull again and then I will have 2 hard pulls on each credit report.
The approved card was a Quicksilver for 3k and the other was a platinum card.
Thanks!!