topic Re: Help. Prequalified Offers! in Credit Card Approvals

Help. Prequalified Offers!

Anonymous — Tue, 14 Jul 2015 00:46:07 GMT

decided to get on capital and try the prequal today. i always get secured card, but today it was different. i was prequalified for the Platinum and Quicksilver one Rewards. are they worth it? what are my chances to get them etc. dont want to hp unless i know i have a good chance.. thanks

Re: Help. Prequalified Offers!

rockbttm442 — Tue, 14 Jul 2015 00:48:22 GMT

Nothing is ever guaranteed but Cap 1 is pretty legit. I'd app for both should use 1 pull. Let them grow together then PC them later.

Re: Help. Prequalified Offers!

SOGGIE — Tue, 14 Jul 2015 00:48:34 GMT

You don't want a triple pull for a decline. Others will chime in to advise of your chances with Cap1. Good luck!

Re: Help. Prequalified Offers!

jacetx — Tue, 14 Jul 2015 00:49:55 GMT

@Anonymous wrote:
decided to get on capital and try the prequal today. i always get secured card, but today it was different. i was prequalified for the Platinum and Quicksilver one Rewards. are they worth it? what are my chances to get them etc. dont want to hp unless i know i have a good chance.. thanks

Quicksilver One gives you 1.5% cashback on all purchases, it usually comes with an annual fee. It's a good card if you don't have another cashback card. If you prequalify for it, chances of getting it are very good.

Re: Help. Prequalified Offers!

taxi818 — Tue, 14 Jul 2015 00:58:22 GMT

AS stated. if you got Congratulations with cap one. Its a 90 plus percent chance you will be approved. Since its the platinum and QS1. you can also be sure it will be about a 500 dollar to 1k limit. as they will put you on credit steps until your profile is better in 6 months. so you should be good to go. Most of us here have already gotten that card, used it. then graduated to bigger and better things. So take the advice. or not. But the card is yours to have. just apply already.

Re: Help. Prequalified Offers!

needtodobetter — Tue, 14 Jul 2015 01:04:06 GMT

I agree - it is a pretty sure thing - HOWEVER, if you check the terms and conditions of the QS1 and Platinum, you can only have a total of two Cap 1 cards. If you already have their secured card, you can only get one other card with them at this point. I like the QS/QS1 due to the cash back. Good luck!

Re: Help. Prequalified Offers!

taxi818 — Tue, 14 Jul 2015 01:08:19 GMT

Yes. Agreed. Qs1 much better. And with lots of use. They will reward you in 6 months. If you look at my signature. I started with qs1. $500 dollars. After 6 months. Raised to $3500. 6 more months. Raised to 5500. Where it sits now. Since I don't use it much now. They upgraded to no AF qs. Then the world qs. I can't ask for another increase since I barely use. Too many other cards now. Good cards. But. I will keep it. And use it now and then. Good luck.

Re: Help. Prequalified Offers!

Anonymous — Tue, 14 Jul 2015 01:08:32 GMT

Did you app yet?

Re: Help. Prequalified Offers!

Anonymous — Tue, 14 Jul 2015 01:09:54 GMT

@needtodobetter wrote:
I agree - it is a pretty sure thing - HOWEVER, if you check the terms and conditions of the QS1 and Platinum, you can only have a total of two Cap 1 cards. If you already have their secured card, you can only get one other card with them at this point. I like the QS/QS1 due to the cash back. Good luck!

I think OP i saying they usually only get the offer for the secured card up until today.

OP I say go for it. It is going to be a triple pull but you won't get anywhere without trying.

Re: Help. Prequalified Offers!

Anonymous — Tue, 14 Jul 2015 01:27:33 GMT

i did it guys. i went for it. right away i got alerted for a hard inquiry. equifax went down hard. transunion went up. both finally showed my secured card. back to quicksilver one.. i was APPROVED for $500!! thank everyone for the advise. i was scared but i had to try. thanks once again!!

Re: Help. Prequalified Offers!

Anonymous — Tue, 14 Jul 2015 01:31:30 GMT

@Anonymous wrote:
i did it guys. i went for it. right away i got alerted for a hard inquiry. equifax went down hard. transunion went up. both finally showed my secured card. back to quicksilver one.. i was APPROVED for $500!! thank everyone for the advise. i was scared but i had to try. thanks once again!!

Congrats!! Guess I read wrong you already had secured. Anyway that's what I started with was those two. Use that QS1 and PIF. They will put you in credit steps and you will get a cli after 5 or 6 statements.

Re: Help. Prequalified Offers!

taxi818 — Tue, 14 Jul 2015 01:32:35 GMT

Congrats. Now. Use it a lot. Pay often. And cap one will reward you with a big limit in 5 months.

Re: Help. Prequalified Offers!

Pway — Tue, 14 Jul 2015 01:33:01 GMT

Congrats

Re: Help. Prequalified Offers!

Anonymous — Tue, 14 Jul 2015 01:37:47 GMT

@Anonymous wrote:
i did it guys. i went for it. right away i got alerted for a hard inquiry. equifax went down hard. transunion went up. both finally showed my secured card. back to quicksilver one.. i was APPROVED for $500!! thank everyone for the advise. i was scared but i had to try. thanks once again!!

Awesome!

Re: Help. Prequalified Offers!

Anonymous — Tue, 14 Jul 2015 01:38:53 GMT

thank guys! now if i could get a SCT to work ! lol

Re: Help. Prequalified Offers!

elim — Tue, 14 Jul 2015 01:47:26 GMT

@Anonymous wrote:
thank guys! now if i could get a SCT to work ! lol

congrats. i would lay off the SCT and just wait it out for 6 months and your scores will climb.

if you do SCT just make it 1. you'll need the room when the better offers start rolling in :] and they will (when i started a year ago walmart gave me a $150 store card).

Re: Help. Prequalified Offers!

Anonymous — Tue, 14 Jul 2015 01:54:40 GMT

Take care of the card. I started at 500 and I'm at 2k now.

Re: Help. Prequalified Offers!

Anonymous — Tue, 14 Jul 2015 01:55:05 GMT

I just want one SCT. I only have a secured capital, new quick silver and a AU Walmart (dad). Would like a JCrew or overstock.

Re: Help. Prequalified Offers!

needtodobetter — Tue, 14 Jul 2015 02:15:25 GMT

Congrats!!

EDITED - Included comment under incorrect post.

Re: Help. Prequalified Offers!

OmarGB9 — Tue, 14 Jul 2015 06:00:31 GMT

Grats!