topic Re: CAPITAL ONE - Do my eyes deceive me !?! in Credit Card Approvals

CAPITAL ONE - Do my eyes deceive me !?!

Anonymous — Fri, 10 Jul 2015 01:47:07 GMT

Hey all!! So tonight, I apped for three Capital One cards for laughs ... I have a good portfolio now, but my score (EX) is still hovering at 590. I have a Credit One card @ $400 (20% UTIL), a Barclay Apple Visa for $3,000 (90% UTIL for 0% interest), a Western FCU VISA for $1000 (10% UTIL), and a CareCredit at $3,000 (45% UTIL, 0% INTEREST). I also burned Capital One in 2012, and thought for sure I'd be denied tonight. SHOCKINLGY I was approved for 2/3 cards!!! I got $500 on the Platinum and $500 on Quiksilver !!! Not huge, but I dont plan on using them except to up my overall credit limits, helping my UTIL. Does CAP ONE have a LUV BUTTON? I'd like to see those CLs go up, seeing as the rest of my profile is higher.

I was stunned. Is this typicla CAP ONE behavior to forgive burned bridges? That is unpaid btw, as I am still debating the fees!! The one delcined was the VENTURE. Any and all input would be appreicated here!! I am still kind of in shock. My scores across the board are: TU 601 EX 590 EQ 554 :-) Rebuilding, on and UP!!!

Re: CAPITAL ONE - Do my eyes deceive me !?!

kdm31091 — Fri, 10 Jul 2015 01:48:42 GMT

@Anonymous wrote:
@Anonymous all!! So tonight, I apped for three Capital One cards for laughs ... I have a good portfolio now, but my score (EX) is still hovering at 590. I have a Credit One card @ $400 (20% UTIL), a Barclay Apple Visa for $3,000 (90% UTIL for 0% interest), a Western FCU VISA for $1000 (10% UTIL), and a CareCredit at $3,000 (45% UTIL, 0% INTEREST). I also burned Capital One in 2012, and thought for sure I'd be denied tonight. SHOCKINLGY I was approved for 2/3 cards!!! I got $500 on the Platinum and $500 on Quiksilver !!! Not huge, but I dont plan on using them except to up my overall credit limits, helping my UTIL. Does CAP ONE have a LUV BUTTON? I'd like to see those CLs go up, seeing as the rest of my profile is higher.

I was stunned. Is this typicla CAP ONE behavior to forgive burned bridges? That is unpaid btw, as I am still debating the fees!! The one delcined was the VENTURE. Any and all input would be appreicated here!! I am still kind of in shock. My scores across the board are: TU 601 EX 590 EQ 554 :-) Rebuilding, on and UP!!!

Congrats and all but you do realize 3 capital one apps means a total of 9 hard pulls will be taken?

Technically some people get lucky and the pulls are combined, but it's possible you could end up with all 9! I also don't get why you'd want a Platinum if you got a QS.

Re: CAPITAL ONE - Do my eyes deceive me !?!

Anonymous — Fri, 10 Jul 2015 01:54:42 GMT

Thank you for the congrats... I actually have freezes on my TU and EQ right now, so they had to have only pulled EX. I'm okay with that. Also, I had no idea I'd get approved so tried for PLAT first .. I wonder if theres a way they can combine the $500 from both to just the QS, and close the PLAT.. I know Barclay will do this. Any ideas?

Re: CAPITAL ONE - Do my eyes deceive me !?!

Creditwiser — Fri, 10 Jul 2015 02:04:27 GMT

In 6 months you can combine the accounts. One of the two has to have a zero balance when you request to combine. It seems they have you on the Credit Steps program so I would wait until they give you a CLI before combining at the 6 month date. You should plan on using these cards heavily and PIF several times per month if you want a decent CLI. At least be sure to use the QS to get some rewards out of it.

Re: CAPITAL ONE - Do my eyes deceive me !?!

Tomgon1981 — Fri, 10 Jul 2015 02:01:03 GMT

Not till your cards are 6 months

Re: CAPITAL ONE - Do my eyes deceive me !?!

Simply827 — Fri, 10 Jul 2015 02:01:09 GMT

You can combine your limits once your cards are 6 months old.

Re: CAPITAL ONE - Do my eyes deceive me !?!

OmarGB9 — Fri, 10 Jul 2015 02:01:57 GMT

Grats on the approvals, and the venture is their prime card so it has higher standards, which is most likely why you were denied on that one. As for combining limits, it appears cap1 does allow that now, though the feature is offline at the moment.

Re: CAPITAL ONE - Do my eyes deceive me !?!

Anonymous — Fri, 10 Jul 2015 02:04:35 GMT

thank you guys!! I will plan on using the heck out of the QS then...charge up each month and PIF or close!! Hopefully in a few / 6 months I'll be at a nice hefty line with CapOne!!! I'm closing my Credit One for sure now

Re: CAPITAL ONE - Do my eyes deceive me !?!

OmarGB9 — Fri, 10 Jul 2015 02:13:46 GMT

Good choice on axing the Credit one.

Re: CAPITAL ONE - Do my eyes deceive me !?!

icyhot — Fri, 10 Jul 2015 02:36:42 GMT

My mom burned CapOne in 2008 for $800 which is still unpaid, and they approved her for both those cards as well. Capital One is the most forgiving CCC

Re: CAPITAL ONE - Do my eyes deceive me !?!

SouthJamaica — Fri, 10 Jul 2015 03:38:15 GMT

@Anonymous wrote:
@Anonymous all!! So tonight, I apped for three Capital One cards for laughs ... I have a good portfolio now, but my score (EX) is still hovering at 590. I have a Credit One card @ $400 (20% UTIL), a Barclay Apple Visa for $3,000 (90% UTIL for 0% interest), a Western FCU VISA for $1000 (10% UTIL), and a CareCredit at $3,000 (45% UTIL, 0% INTEREST). I also burned Capital One in 2012, and thought for sure I'd be denied tonight. SHOCKINLGY I was approved for 2/3 cards!!! I got $500 on the Platinum and $500 on Quiksilver !!! Not huge, but I dont plan on using them except to up my overall credit limits, helping my UTIL. Does CAP ONE have a LUV BUTTON? I'd like to see those CLs go up, seeing as the rest of my profile is higher.

I was stunned. Is this typicla CAP ONE behavior to forgive burned bridges? That is unpaid btw, as I am still debating the fees!! The one delcined was the VENTURE. Any and all input would be appreicated here!! I am still kind of in shock. My scores across the board are: TU 601 EX 590 EQ 554 :-) Rebuilding, on and UP!!!

Use the cards, but pay them down to zero. Cap One will reward you with auto CLI's every 6 months. Be patient.

Re: CAPITAL ONE - Do my eyes deceive me !?!

IFtkkdx428 — Fri, 10 Jul 2015 03:48:38 GMT

Re: CAPITAL ONE - Do my eyes deceive me !?!

Anonymous — Fri, 10 Jul 2015 03:59:27 GMT

LOL

Re: CAPITAL ONE - Do my eyes deceive me !?!

morgacj2004 — Fri, 10 Jul 2015 06:02:29 GMT

You are absolutely right and AX is the least forgiving.

Re: CAPITAL ONE - Do my eyes deceive me !?!

Anonymous — Fri, 10 Jul 2015 06:04:41 GMT

I'm confused what is AX? And what do you mean least forgiving ??

Re: CAPITAL ONE - Do my eyes deceive me !?!

SunriseEarth — Fri, 10 Jul 2015 07:29:26 GMT

@Anonymous wrote:
I'm confused what is AX? And what do you mean least forgiving ??

AMEX, and they rarely let someone back with unresolved debts to them

Re: CAPITAL ONE - Do my eyes deceive me !?!

Anonymous — Fri, 10 Jul 2015 09:00:26 GMT

My wife received two CLI's before on her QS1 before the 6 months. She got a 1k SL, used the hell out of it and paid. Requested the first one at like 2 or 3 months and got bumped to 3k, then a month or two later 3.5k
If you use it like crazy, you will get CLI's way sooner than 6 months. After like 2 months of heavy use and payment, I would request a CLI every few weeks until you get one. It doesn't hurt to request one and that way you can get your 2nd CLI sooner!

Re: CAPITAL ONE - Do my eyes deceive me !?!

savingmoney87 — Fri, 10 Jul 2015 10:19:30 GMT

Congrats!!!

Re: CAPITAL ONE - Do my eyes deceive me !?!

Anonymous — Fri, 10 Jul 2015 13:39:05 GMT

I burned Capital One on a $1k card they gave me when I was 18. It ended up being charged off and I settled the balance for 50%. Today, I have a QS and a Venture. Total limit with Capital One is $17k. I actually applied because here on these forums months ago, CreditAddict told me Capital One does not blacklist.

Congrats on your lines. Hope they grow with you.

Re: CAPITAL ONE - Do my eyes deceive me !?!

Anonymous — Fri, 10 Jul 2015 13:48:09 GMT

Thank you very much!!! I'm hoping it grows fast!!!