topic Re: Capital One Platinum Credit Card Approval in Credit Card Approvals

Capital One Platinum Credit Card Approval

mrinal — Sat, 16 Jul 2022 05:56:38 GMT

My wife has been an authorized user of my Walmart Mastercard issued by Capital One for almost 3 years. 2 days ago she received her SSN and applied for the Platinum card and was approved for 3000 dollars SCL. So basically this is her own first card.

When can she apply for a CLI?

Re: Capital One Platinum Credit Card Approval

CreditMagic7 — Sat, 16 Jul 2022 06:41:22 GMT

Congrats on her new approval with a usable SL!!

Re: Capital One Platinum Credit Card Approval

SUPERSQUID — Sat, 16 Jul 2022 08:24:46 GMT

CONGRATS!!!!!

Your wife should be able to upgrade that card to a Quicksilver 1.5 pct cash back card after 5 months. Also the automatic first credit limit increase should be a given about the 5th or 6th statement.

You have to manually upgrade. I suggest after the 5th statement check if you qualify. there is a simple way of checking by while you are logged into your account adding =productupgrade after the address in the address bar.

i may be slightly off with what to type in the address bar, just use the search on this forum to learn the exact procedure, good luck.

Re: Capital One Platinum Credit Card Approval

mgood — Sat, 16 Jul 2022 10:31:14 GMT

@SUPERSQUID wrote:
. . . there is a simple way of checking by while you are logged into your account adding =productupgrade after the address in the address bar.
i may be slightly off with what to type in the address bar, just use the search on this forum to learn the exact procedure, good luck.

That is correct. One way of doing it anyway.

I've recently noticed that if I click the "I want to" button, and scroll down, right under the "Request Credit Line Increase," there's another option that says "View Offers and Upgrades."

Re: Capital One Platinum Credit Card Approval

NalekSok — Sat, 16 Jul 2022 13:03:52 GMT

Congratulations on your approval! 🎉

Re: Capital One Platinum Credit Card Approval

KingRue8500 — Sat, 16 Jul 2022 21:42:56 GMT

Congrats to DW's Capital One Platinum approval

Re: Capital One Platinum Credit Card Approval

Anonymalous — Sat, 16 Jul 2022 22:37:19 GMT

@mgood wrote:
@SUPERSQUID wrote:
. . . there is a simple way of checking by while you are logged into your account adding =productupgrade after the address in the address bar.
i may be slightly off with what to type in the address bar, just use the search on this forum to learn the exact procedure, good luck.
That is correct. One way of doing it anyway.
I've recently noticed that if I click the "I want to" button, and scroll down, right under the "Request Credit Line Increase," there's another option that says "View Offers and Upgrades."

I may be mistaken, because it's been a while. But I don't think that's the same. When I upgraded my Platinum to a Quicksilver using that link, I don't think it was available in View Offers and Upgrades. All I've seen under View Offers and Upgrades is a referral link, a balance transfer offer, and (most recently) a pre-approval for a Savor One.

Re: Capital One Platinum Credit Card Approval

Anonymous — Sat, 16 Jul 2022 22:55:04 GMT

@mrinal Unfortunately, many people report that Capital One isn't very generous regarding credit line increases. The good news is your wife got a nice starting line of $3,000. I would count that as a big win. I recommend never closing the card. Instead, I recommend she apply elsewhere for another credit card. Perhaps focusing on lenders that offer a prequalification tool. Lenders such as:

Apple card

Amazon Chase

Dover FCU

NASA FCU

Furthermore, I recommend she open a small share secured loan. An installment loan on her credit report is crucial. Also, I really must say, if she has any opportunity whatsoever to join Navy Federal, she should do it immediately. Navy Federal is widely regarded as the best credit union that exists.

Re: Capital One Platinum Credit Card Approval

CreditMagic7 — Sat, 16 Jul 2022 22:56:30 GMT

Congratulations on the Capital One Plat approval

Re: Capital One Platinum Credit Card Approval

mgood — Sat, 16 Jul 2022 23:11:21 GMT

@Anonymalous wrote:
@mgood wrote:
@SUPERSQUID wrote:
. . . there is a simple way of checking by while you are logged into your account adding =productupgrade after the address in the address bar.
i may be slightly off with what to type in the address bar, just use the search on this forum to learn the exact procedure, good luck.
That is correct. One way of doing it anyway.
I've recently noticed that if I click the "I want to" button, and scroll down, right under the "Request Credit Line Increase," there's another option that says "View Offers and Upgrades."
I may be mistaken, because it's been a while. But I don't think that's the same. When I upgraded my Platinum to a Quicksilver using that link, I don't think it was available in View Offers and Upgrades. All I've seen under View Offers and Upgrades is a referral link, a balance transfer offer, and (most recently) a pre-approval for a Savor One.

I wasn't sure if it was the same or not. I check both ways, about every other day, hoping that one day they'll slip up and offer me a PC to SavorOne.

Re: Capital One Platinum Credit Card Approval

CreditAggie — Sat, 16 Jul 2022 23:44:28 GMT

Congratulations on DW's Capital One Platinum approval!

Re: Capital One Platinum Credit Card Approval

babygirl1256 — Sun, 17 Jul 2022 01:47:58 GMT

Congrats to your wife on her Capital One Platinum Credit Card approval.

Re: Capital One Platinum Credit Card Approval

cashorcharge — Sun, 17 Jul 2022 22:59:53 GMT

WooHoo!! Congratulations on your Cap1 Approval!!👏🏼🍾🥂

Re: Capital One Platinum Credit Card Approval

LADave — Mon, 18 Jul 2022 10:41:31 GMT

@Anonymous wrote:
@mrinal Unfortunately, many people report that Capital One isn't very generous regarding credit line increases. The good news is your wife got a nice starting line of $3,000. I would count that as a big win. I recommend never closing the card. Instead, I recommend she apply elsewhere for another credit card. Perhaps focusing on lenders that offer a prequalification tool. Lenders such as:
Apple card
Amazon Chase
Dover FCU
NASA FCU
Furthermore, I recommend she open a small share secured loan. An installment loan on her credit report is crucial. Also, I really must say, if she has any opportunity whatsoever to join Navy Federal, she should do it immediately. Navy Federal is widely regarded as the best credit union that exists.

My guess is that a card with a $3,000 SL will probably be in a higher-tier bucket than one with a low (ex: $300) SL, and they'll be happier to give more CLIs with positive usage/payment history.

And I totally agree - never close the card, always use the card to pay for something at least every few months. When they eventually let her product change to a Quicksilver (or perhaps a different card), it will instantly become more valuable.

Re: Capital One Platinum Credit Card Approval

OmarGB9 — Mon, 18 Jul 2022 17:23:39 GMT

Congrats on the approval and she can ask for a CLI at 6 months.

Re: Capital One Platinum Credit Card Approval

HowDoesThisAllWork — Tue, 19 Jul 2022 02:57:56 GMT

@SUPERSQUID wrote:
CONGRATS!!!!!
Your wife should be able to upgrade that card to a Quicksilver 1.5 pct cash back card after 5 months. Also the automatic first credit limit increase should be a given about the 5th or 6th statement.
You have to manually upgrade. I suggest after the 5th statement check if you qualify. there is a simple way of checking by while you are logged into your account adding =productupgrade after the address in the address bar.
i may be slightly off with what to type in the address bar, just use the search on this forum to learn the exact procedure, good luck.

@SUPERSQUID Close! Oh so close!

If one has multiple "accounts" with Capital One (as I do....I have a credit card and a Capital One 360 Checking Account) then select the credit card icon on the "home page". Then, go up to the address bar (where the https://www.capitalone.com blah blah blah stuff is) and you will see that the final character is the "=". Simply enter the forward slash ("/") followed by "productupgrade".

So, up in the address bar, after the "=" simply enter "/productupgrade" and there you go. Either you will see something to the effect of "there are no upgrades available at this time" or you will see something to the effect of "you can upgrade your Platinum to the QuickSilver" (or whatever).

Re: Capital One Platinum Credit Card Approval

righthererightnow — Sat, 23 Jul 2022 21:05:27 GMT

Congrats!! That's a great card, also can be product changed into the Quicksilver (that's how I got mine).