Should I app for cap 1 unsecured?

[Anonymous]

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@Anonymous wrote:
Yes hard pull and need more time to review the application

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If you had fraud alerts, then you will more than likely get a letter stating that they need verification of your identity.

[Anonymous]

Curious if I verify my identity then get a denial?

[Pway]

I know you pulled the trigger already but I would have personally waited until you got that util down.  

[jbsea]

it is more then likely a verification thing... But for the future try to get you utl down under 10% before doing any apps.

[Anonymous]

I thought about that before I applied but foolishly did anyways. Owell I'll call the recon number tom if there open but tue for sure.

[Anonymous]

So I called that number and they need me to verify my identity fax my ID and social security. Do they really want me to verify my identity just to deny me?

[Anonymous]

No guarantees, but most likely you will be approved.

[Anonymous]

My wife apped for this card today, she was instantly denied, her FICO scores are 603 613 and 620. I was very surprised to see this. I have 2 QS1 cards and had lower scores than that when I got them. She has no bankruptcy. Please post your recon outcome when your sure. I am going to advise her to do the same.

[Anonymous]

Boom! Was approved for $500! So happy, only took 3 months!

[Anonymous]

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@Anonymous wrote:
Boom! Was approved for $500! So happy, only took 3 months!

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This is a suprised to me because a Cap 1 CSR told me today (I applied last week) when you have a secured card it takes 6 months for that account to clear to let you apply for a unsecured card. They didn't even do a hard pull and just declined and sent a letter with the reason: you already have an account pending.