topic Re: TMobile Capital One Visa Approval SL $20K in Credit Card Approvals

TMobile Capital One Visa Approval SL $20K

Jeffster1 — Tue, 04 Nov 2025 18:47:43 GMT

For data...

Instant approval today, 11/4/25, for the TMobile Capital One Visa with a SL of $20K.

Scores in sig. So far, it looks like they only pulled TU.

Sprint customer from 1999-2008. Returned to Sprint in 2014, and transitioned with the merger. Very happy with TMobile so I decided to go for it. Used the pre approval link. Cap One cardholder since 2021.

Re: TMobile Capital One Visa Approval SL $20K

NoHardLimits — Tue, 04 Nov 2025 18:52:52 GMT

@Jeffster1 wrote:
For data...

Instant approval today, 11/4/25, for the TMobile Capital One Visa with a SL of $20K.

Scores in sig. So far, it looks like they only pulled TU.

Sprint customer from 1999-2008. Returned to Sprint in 2014, and transitioned with the merger. Very happy with TMobile so I decided to go for it. Used the pre approval link. Cap One cardholder since 2021.

Thanks for the data point, and congrats on the instant approval with generous starting limit. It will be interesting to see if more inquiries eventually show up on the other bureaus.

Re: TMobile Capital One Visa Approval SL $20K

Jeffster1 — Tue, 04 Nov 2025 19:01:36 GMT

@NoHardLimits Thanks. I was expecting a lower limit since, well...it's Cap One, but was pleasantly surprised. My only complaints with Cap One thus far have been with lower starting limits. They surprised me this time. I'll keep an eye on it for further inquiries and will update the post if any more come my way.

Re: TMobile Capital One Visa Approval SL $20K

cashorcharge — Tue, 04 Nov 2025 19:11:26 GMT

WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂

Re: TMobile Capital One Visa Approval SL $20K

coreyb80 — Tue, 04 Nov 2025 19:35:12 GMT

Congrats on the strong approval!

Re: TMobile Capital One Visa Approval SL $20K

GZG — Tue, 04 Nov 2025 21:26:08 GMT

@Jeffster1 wrote:
Instant approval today, 11/4/25, for the TMobile Capital One Visa with a SL of $20K.

congrats, did you get the 19% interest or the 28% interest?

Re: TMobile Capital One Visa Approval SL $20K

Jeffster1 — Tue, 04 Nov 2025 21:46:33 GMT

@GZG wrote:
@Jeffster1 wrote:
Instant approval today, 11/4/25, for the TMobile Capital One Visa with a SL of $20K.

congrats, did you get the 19% interest or the 28% interest?

Thanks. I got the 19% (18.99%).

Re: TMobile Capital One Visa Approval SL $20K

FicoMike0 — Tue, 04 Nov 2025 22:32:55 GMT

Congratulations!

Great cl.

Re: TMobile Capital One Visa Approval SL $20K

Copenix — Wed, 05 Nov 2025 08:39:37 GMT

Good for you. Congrats on your approval and great SL.

Re: TMobile Capital One Visa Approval SL $20K

Jeffster1 — Thu, 06 Nov 2025 00:19:31 GMT

UPDATE: EX and EQ pulls showed up today,

#expected

Re: TMobile Capital One Visa Approval SL $20K

Total_Synergy — Sun, 09 Nov 2025 19:36:43 GMT

Congratulations @Jeffster1 !! Great SL from Cap1; perhaps they are being more generous since it is a co-branded card (?)

Re: TMobile Capital One Visa Approval SL $20K

Thomas_Thumb — Mon, 10 Nov 2025 03:42:19 GMT

@Jeffster1 wrote:
For data...

Instant approval today, 11/4/25, for the TMobile Capital One Visa with a SL of $20K.

Very happy with TMobile so I decided to go for it. Used the pre approval link. Cap One cardholder since 2021.

Nice.

Per your sig - It looks like you have gathered a sizeable herd since starting your rebuild in Jan 2021.

Re: TMobile Capital One Visa Approval SL $20K

Jeffster1 — Sat, 10 Jan 2026 22:23:01 GMT

@Thomas_Thumb wrote:
@Jeffster1 wrote:
For data...

Instant approval today, 11/4/25, for the TMobile Capital One Visa with a SL of $20K.

Very happy with TMobile so I decided to go for it. Used the pre approval link. Cap One cardholder since 2021.
Nice.
Per your sig - It looks like you have gathered a sizeable herd since starting your rebuild in Jan 2021.

@Thomas_Thumb

Thanks. Sorry...been away from the forum for a couple of months due to holidays and work. I apologize for just replying now.

Yes, this forum was invaluable in my rebuild. I'll probably be getting rid of the TD Bank Visa. I got that one in March 2021...originally as a secured card...and it's served its purpose. It graduated in only 7 or so months but I don't think it will grow much. My other possible cut would be the USBank Cash+ which began as a secured card and graduated long ago.

I've been very fortunate with SLs and CLIs with other cards, and I'm basically looking right now with a critical eye at those cards with an under 10K CL and less promise of a CLI.

I do also consider myself very fortunate with my rebuild, and I am thankful for all the great information I have received from you and others on here. During my BK, I embraced living on cash/debit, so when I approached my DC, I didn't plan on applying for credit. I rethought that and did the preapproval for Cap One and...to my shock...was instantly approved with a SL of 3K. The rest is history. As sizeable as the herd is, it's been measured, steady growth.

Spending some time in the garden now. I know...famous last words for many of us.