topic Re: Capital One app Attempt? in Credit Card Applications

Capital One app Attempt?

Anonymous — Thu, 12 May 2016 22:17:03 GMT

Hi all

I have been unable to get approved for a capital one quicksilver one or platinum. Well today while shopping at Khols i was approved for their store card. Can i safely try to apply for a quicksilver one withhout getting hard pull twice?

Re: Capital One app Attempt?

Anonymous — Thu, 12 May 2016 22:37:32 GMT

Congrats on the Kohl's approval!! I doubt you can try for another card and use the same HP because I believe Cap1 only pulls 1 bureau for Kohl's, while they pull all 3 for their regular cards.

Re: Capital One app Attempt?

Anonymous — Thu, 12 May 2016 23:16:51 GMT

I see, I wonder if they would approve me for one of their regular unsecured credit cards now that i was approved for kohls. I tried the prequalify tool but just says congrats i qualify for their secured card.

Re: Capital One app Attempt?

Anonymous — Thu, 12 May 2016 23:32:34 GMT

They have entirely different UW criteria.

Re: Capital One app Attempt?

Anonymous — Thu, 12 May 2016 23:32:57 GMT

The khols is co-branded and usually easier to get

Re: Capital One app Attempt?

Anonymous — Thu, 12 May 2016 23:39:54 GMT

Got you, i guess i will hold of on applying until i get a solid preapproval.

Re: Capital One app Attempt?

Anonymous — Thu, 12 May 2016 23:44:30 GMT

You may not need to wait for a prequal, but maybe a few months

Re: Capital One app Attempt?

Anonymous — Fri, 13 May 2016 15:40:43 GMT

I'd wait until the cap one website gives you a pre-qual offer.

Re: Capital One app Attempt?

MauiMan85297 — Fri, 13 May 2016 16:17:51 GMT

@Anonymous wrote:
I'd wait until the cap one website gives you a pre-qual offer.

+100

Re: Capital One app Attempt?

Anonymous — Sat, 14 May 2016 00:20:52 GMT

@Anonymous wrote:
I see, I wonder if they would approve me for one of their regular unsecured credit cards now that i was approved for kohls. I tried the prequalify tool but just says congrats i qualify for their secured card.

Patience. I was only at first approved for the secured card. Then 6 months down the road, was getting the Platinum and QS1 preapproval, but opted to keep the secured card and wait to see if the Venture/QS would show up and they did. It will happen, but rushing it won't make it happen any sooner.

Re: Capital One app Attempt?

Anonymous — Sat, 14 May 2016 03:38:31 GMT

I understand, just frustrating since i have had a secured card with them for over a year now. Scores have improved and also have a couple of others secured cards for over a year. I even have an unsecured card with fnbo but still cant get a quicksilver one.

Re: Capital One app Attempt?

Anonymous — Sat, 14 May 2016 05:34:04 GMT

@Anonymous wrote:
I understand, just frustrating since i have had a secured card with them for over a year now. Scores have improved and also have a couple of others secured cards for over a year. I even have an unsecured card with fnbo but still cant get a quicksilver one.

I understand your frustration - trust me! It wasn't that long ago I couldn't get approved for anything, and now it's been over a year since all my baddies fell off and my scores are all over 720 and BOA still won't graduate my secured card Hang in there, Cap1 will come around before you know it.

Re: Capital One app Attempt?

Anonymous — Sat, 14 May 2016 05:43:37 GMT

I'd call credit analyst at BOA. Not normal of them.

Re: Capital One app Attempt?

Anonymous — Sat, 14 May 2016 05:55:28 GMT

@Anonymous wrote:
I'd call credit analyst at BOA. Not normal of them.

I know it's not normal. I see everyone else graduate early, but not me I'm 14 months in and nothing. I don't want to chance a HP by calling, plus I'm sure it's my fault because I don't use it and I got WAY too many new accounts last year . It has no rewards so... meh. I'm just gonna wait them out. If they don't auto-graduate it before the next annual fee I'm just going to close it.