what fico score for cap1 unsecured?

Anonymous · ‎04-01-2016

just curious where everyone's score was when they got aproved for a unsecured card through cap1? and who's score and what model do they use?

Anonymous · ‎04-01-2016

I just got approved for a Platinum and QS1 and although I'm not sure of my EQ score since it hasn't updated yet, my TU and EX are around 580. My bf also got approved for a Platinum just recently and his TU was 563 according to the letter he got.

Anonymous · ‎04-01-2016

My lowest score at the time of approval for the Platinum was 599 and got 500$ starting line.

Anonymous · ‎04-01-2016

When I got approved i was around 570s accross the board. Check the prequalify section. Usually its a good indicator on if you will get the cards or not =D .. GOOD LUCK!!! They have been great rebuilder cards!

evsports7 · ‎04-01-2016

Great post I was wondering this too. When I go to there prequal site, it prequalifies me for the secured cards even though I already have it. Does anyone know with the scores I have if I could get approved?

Credit Profile: Started (2/6/2016): EQ 516, EX 542, TU 543
FICO 08 (11/4/2016): EQ 634, EX 647 , TU 645

Anonymous · ‎04-01-2016

@evsports7 wrote:
Great post I was wondering this too. When I go to there prequal site, it prequalifies me for the secured cards even though I already have it. Does anyone know with the scores I have if I could get approved?

It did the same to me and I just decdied to pull the trigger and apply. I would say it depends on how long you have had your secured card. I have seen people as low as 550 getting approved for the platinum and QS1 card.

evsports7 · ‎04-01-2016

I've had it for about 1.5 months, maybe to soon huh?

Credit Profile: Started (2/6/2016): EQ 516, EX 542, TU 543
FICO 08 (11/4/2016): EQ 634, EX 647 , TU 645

katinOR · ‎04-01-2016

My scores were in the 570's to 580s and I got it so I would say give it a shot. I had the prequal screen for quite awhile even when my numbers were around the 550's so its likely going to approve at an even lower score.

Good Luck!

Anonymous · ‎04-01-2016

Mine were 575 range when they approved me for QS1 with a 500 SL

Yoshi2015 · ‎04-01-2016

I went through the prequal site and I was approved for the Plat around 580. Have you tried prequal site? If it displays "congratulations" you are pretty good to go ahead and pull trigger!! Good luck!!