topic Re: Capital One Platinum Approval in Credit Card Approvals

Capital One Platinum Approval

Vector3D — Tue, 20 Oct 2020 04:34:25 GMT

Previously burned Capital One when I was struggling with school finances about two years ago. Had been trying their prequalification page for the past few weeks just for fun, just today prequalification was returned with an offer for Platinum or QS1. Not wanting to bucket myself, I went with Platinum (and was accepted) with the hope of PCing to a regular QS later on. Super excited as this will be my first unsecured card in my rebuild!

Now trying to search for some data points regarding my Citi Secured, thinking this hard pull may have just shot myself in the foot for early graduation from Citi. I'm hoping not but I've read Citi can be sensitive even during normal times, I'm sure COVID-related worries don't help. Hopefully it's not a big deal!

Also considering ditching my Self secured card soon, my Self loan ended and the Self card doesn't have the option to graduate, it also has an AF. Not sure if I really need it anymore to be honest, would appreciate any thoughts you all might have on this as well!

Re: Capital One Platinum Approval

AllZero — Tue, 20 Oct 2020 04:39:08 GMT

Congratulations on your approval!

Re: Capital One Platinum Approval

Howaboutthat — Tue, 20 Oct 2020 05:17:15 GMT

Congrats on your approval, I'd have went with QS1 because it's a step up from the platinum card if your looking for rewards but has an an annual fee. Platinum card generally has no fee and high interest rate.

Re: Capital One Platinum Approval

quikj9 — Tue, 20 Oct 2020 08:06:52 GMT

@Vector3D I think you made the right call going with the Platinum over the OS1. It seems to be pretty difficult getting out of that annual fee.

You should be able to PC to the QS using this upgrade link after your card's been open 91 days with no issue. I did the same earlier this year.

Also, congrats on your rebuild and your student loan rehab. I'm on a similar path, but jealous that you got your Discover secured card a month before I did. I'll look for your announcement in the graduation thread in a couple of months.

Re: Capital One Platinum Approval

M_Smart007 — Tue, 20 Oct 2020 09:53:27 GMT

Congratulations on your Approval..

Re: Capital One Platinum Approval

Anonymous — Tue, 20 Oct 2020 11:36:26 GMT

Congrats!

Re: Capital One Platinum Approval

Anonymous — Tue, 20 Oct 2020 11:38:05 GMT

@quikj9 thank you so much for the link. Wasn't aware of this possibility. Took less than a minute to upgrade.

Re: Capital One Platinum Approval

Conceptual23 — Tue, 20 Oct 2020 11:54:36 GMT

Congrats on the approval and good luck with the rebuild.

Re: Capital One Platinum Approval

quikj9 — Tue, 20 Oct 2020 14:33:34 GMT

@Anonymous you're welcome. Glad I could help.

Re: Capital One Platinum Approval

gdale6 — Tue, 20 Oct 2020 14:36:25 GMT

Grats on getting back in, you are bucketed with either of these.

Re: Capital One Platinum Approval

MartyWrite75 — Tue, 20 Oct 2020 14:49:16 GMT

Congratulations on your approval!

Re: Capital One Platinum Approval

AllZero — Tue, 20 Oct 2020 15:13:18 GMT

@Anonymous wrote:
@quikj9 thank you so much for the link. Wasn't aware of this possibility. Took less than a minute to upgrade.

Congratulations on your product upgrade!

Re: Capital One Platinum Approval

Anonymous — Tue, 20 Oct 2020 15:41:34 GMT

Congrats

Re: Capital One Platinum Approval

CreditAggie — Tue, 20 Oct 2020 15:45:43 GMT

Congratulations on your Capital One Platinum approval!

Re: Capital One Platinum Approval

Vector3D — Tue, 20 Oct 2020 17:44:45 GMT

@quikj9 wrote:
@Vector3D I think you made the right call going with the Platinum over the OS1. It seems to be pretty difficult getting out of that annual fee.

You should be able to PC to the QS using this upgrade link after your card's been open 91 days with no issue. I did the same earlier this year.

Also, congrats on your rebuild and your student loan rehab. I'm on a similar path, but jealous that you got your Discover secured card a month before I did. I'll look for your announcement in the graduation thread in a couple of months.

Thanks! Can't wait to graduate the Disco, the cashback is really incredible (especially for a secured card!). I have to say the rehabbed student loans was one of the best things I've ever done; I've been going back to school but have been ineligible for financial aid up until this fall, having to pay for every class out of pocket was too much stress to have when I'm trying to focus on getting good grades!!

Re: Capital One Platinum Approval

cashorcharge — Tue, 20 Oct 2020 22:12:24 GMT

Congratulations on your approval!

Re: Capital One Platinum Approval

Slabenstein — Tue, 20 Oct 2020 22:15:16 GMT

Grtz on your unsecured card!

Re: Capital One Platinum Approval

Anonymous — Wed, 21 Oct 2020 01:26:16 GMT

@Anonymous wrote:
@quikj9 thank you so much for the link. Wasn't aware of this possibility. Took less than a minute to upgrade.

Congrats on your approval!

On a side note, you said "Took less than a minute to upgrade". Does that mean you've already PC'd the Platinum to Quicksilver or am I misunderstanding?

Re: Capital One Platinum Approval

Anonymous — Wed, 21 Oct 2020 03:19:07 GMT

@Anonymous Hi there. Thats correct. I checked the offer link posted and the PC process took less than a minute. Not sure how long the offer was there but Platinum MC was opened 11/19. Hope this helps

Re: Capital One Platinum Approval

Vector3D — Wed, 21 Oct 2020 03:28:24 GMT

@gdale6 wrote:
Grats on getting back in, you are bucketed with either of these.

Thanks for the info, I had a suspicion about this and looked it up today which pretty much confirmed that; low starting limit, previous burn with CO, . Oh well, at least I'm not bucketed with an AF card (at least not from CO)!