topic Re: Expert Cap1 pre-qualify help needed for a friend in Credit Card Applications

Expert Cap1 pre-qualify help needed for a friend

bourgogne — Tue, 20 Dec 2016 20:52:18 GMT

Hi there,

It has been a while since I got a C1 card and I am unsure if this is a legitimate pre-quality or not. Assuming this is what would be the preferred card to apply for? The backstory is that this woman’s soon to be ex-husband ruined her credit. She is living off debit cards. I don’t know what he scores are but will know soon. The insane thing is that they both came from money and have money and it was his inability to just pay the bills on time to put her into this situation. Also did not pay medical bills and took down his son’s credit as well. Nice guy huh. Anyway I feel that I can help her with some of the mess once I look at it but there is nothing like a Cap1 to kick off the old rebuild. Any comments or suggestions are most welcome.

Thank you

Re: Expert Cap1 pre-qualify help needed for a friend

Anonymous — Tue, 20 Dec 2016 21:15:07 GMT

@bourgogne wrote:
Hi there,

It has been a while since I got a C1 card and I am unsure if this is a legitimate pre-quality or not. Assuming this is what would be the preferred card to apply for? The backstory is that this woman’s soon to be ex-husband ruined her credit. She is living off debit cards. I don’t know what he scores are but will know soon. The insane thing is that they both came from money and have money and it was his inability to just pay the bills on time to put her into this situation. Also did not pay medical bills and took down his son’s credit as well. Nice guy huh. Anyway I feel that I can help her with some of the mess once I look at it but there is nothing like a Cap1 to kick off the old rebuild. Any comments or suggestions are most welcome.

Thank you

Cap1 pre-approved offers are usually solid. BUT there are *NO* guarantees the applicant will be approved.

Re: Expert Cap1 pre-qualify help needed for a friend

bourgogne — Tue, 20 Dec 2016 21:22:51 GMT

@Anonymous wrote:
@bourgogne wrote:
Hi there,

It has been a while since I got a C1 card and I am unsure if this is a legitimate pre-quality or not. Assuming this is what would be the preferred card to apply for? The backstory is that this woman’s soon to be ex-husband ruined her credit. She is living off debit cards. I don’t know what he scores are but will know soon. The insane thing is that they both came from money and have money and it was his inability to just pay the bills on time to put her into this situation. Also did not pay medical bills and took down his son’s credit as well. Nice guy huh. Anyway I feel that I can help her with some of the mess once I look at it but there is nothing like a Cap1 to kick off the old rebuild. Any comments or suggestions are most welcome.

Thank you

Cap1 pre-approved offers are usually solid. BUT there are *NO* guarantees the applicant will be approved.

Thanks but I am not asking for approval chances, I am asking if the name and APR are in the correct formant to make this a legitimate offer.

Re: Expert Cap1 pre-qualify help needed for a friend

CreditCuriosity — Tue, 20 Dec 2016 21:27:25 GMT

@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:
Hi there,

It has been a while since I got a C1 card and I am unsure if this is a legitimate pre-quality or not. Assuming this is what would be the preferred card to apply for? The backstory is that this woman’s soon to be ex-husband ruined her credit. She is living off debit cards. I don’t know what he scores are but will know soon. The insane thing is that they both came from money and have money and it was his inability to just pay the bills on time to put her into this situation. Also did not pay medical bills and took down his son’s credit as well. Nice guy huh. Anyway I feel that I can help her with some of the mess once I look at it but there is nothing like a Cap1 to kick off the old rebuild. Any comments or suggestions are most welcome.

Thank you

Cap1 pre-approved offers are usually solid. BUT there are *NO* guarantees the applicant will be approved.
Thanks but I am not asking for approval chances, I am asking if the name and APR are in the correct formant to make this a legitimate offer.

Yes. Although as stated above it can always change when they pull the 3 CRA's

Re: Expert Cap1 pre-qualify help needed for a friend

Anonymous — Tue, 20 Dec 2016 21:31:57 GMT

@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:
Hi there,

It has been a while since I got a C1 card and I am unsure if this is a legitimate pre-quality or not. Assuming this is what would be the preferred card to apply for? The backstory is that this woman’s soon to be ex-husband ruined her credit. She is living off debit cards. I don’t know what he scores are but will know soon. The insane thing is that they both came from money and have money and it was his inability to just pay the bills on time to put her into this situation. Also did not pay medical bills and took down his son’s credit as well. Nice guy huh. Anyway I feel that I can help her with some of the mess once I look at it but there is nothing like a Cap1 to kick off the old rebuild. Any comments or suggestions are most welcome.

Thank you

Cap1 pre-approved offers are usually solid. BUT there are *NO* guarantees the applicant will be approved.
Thanks but I am not asking for approval chances, I am asking if the name and APR are in the correct formant to make this a legitimate offer.

I don't see in your original post asking if "the name and APR are in the correct formant (???) to make this a legitimate offer".

It is a legitimate offer and I would suggest the QS1 as it is a rewards card, but it has an annual fee. Something to consider.

The Platinum has no rewards but has no annual fee.

Starting lines are going to be similar or the same.

Re: Expert Cap1 pre-qualify help needed for a friend

Anonymous — Tue, 20 Dec 2016 21:44:51 GMT

Abort mission and tell friend to apply for Navy Federal Credit Union. They will give reward with no AF and likely a lower apr.

Re: Expert Cap1 pre-qualify help needed for a friend

bourgogne — Tue, 20 Dec 2016 22:31:47 GMT

@Anonymous wrote:
@bourgogne wrote:
@Anonymous wrote:
@bourgogne wrote:
Hi there,

It has been a while since I got a C1 card and I am unsure if this is a legitimate pre-quality or not. Assuming this is what would be the preferred card to apply for? The backstory is that this woman’s soon to be ex-husband ruined her credit. She is living off debit cards. I don’t know what he scores are but will know soon. The insane thing is that they both came from money and have money and it was his inability to just pay the bills on time to put her into this situation. Also did not pay medical bills and took down his son’s credit as well. Nice guy huh. Anyway I feel that I can help her with some of the mess once I look at it but there is nothing like a Cap1 to kick off the old rebuild. Any comments or suggestions are most welcome.

Thank you

Cap1 pre-approved offers are usually solid. BUT there are *NO* guarantees the applicant will be approved.
Thanks but I am not asking for approval chances, I am asking if the name and APR are in the correct formant to make this a legitimate offer.
I don't see in your original post asking if "the name and APR are in the correct formant (???) to make this a legitimate offer".

It is a legitimate offer and I would suggest the QS1 as it is a rewards card, but it has an annual fee. Something to consider.

The Platinum has no rewards but has no annual fee.

Starting lines are going to be similar or the same.

@Anonymous, thanks re the 3x pull, @Anonymous sorry about that, because I posted a pic I thought the name/% format would have been the obvious question.

@tydawg - thanks -- I was thinking of cap1 just because the pre-qual is a near 100% or at least I thought it was. nfcu is not a bad idea as well, 3 hps vs 2. really need to see her cct and annualcreditreport to see if there is some quick cleanup, pfd, etc that can happen before she starts with the cards. what a mess, the womans family is worth billions. she is worth millions. really hard to believe. anyhow thank you all

Re: Expert Cap1 pre-qualify help needed for a friend

EAJuggalo — Thu, 22 Dec 2016 19:26:08 GMT

I would get the platinum and in three months PC it to a Quicksilver with no AF.

Re: Expert Cap1 pre-qualify help needed for a friend

KSK1912 — Sat, 31 Dec 2016 03:17:37 GMT

I got both of those cards in the pre q (Platinum and QS1) for my DW and she had terrible credit at the time of the app. Both started with $300. 2 months later i asked for cli and both jumped to $800 instantly. If you decide to go with Cap One, i would take advantage of 3 hp's and get 2 cards back to back. Then get one cli at least on each card, then combine them for one better CL card.

Re: Expert Cap1 pre-qualify help needed for a friend

bourgogne — Sat, 31 Dec 2016 03:24:05 GMT

@KSK1912 wrote:
I got both of those cards in the pre q (Platinum and QS1) for my DW and she had terrible credit at the time of the app. Both started with $300. 2 months later i asked for cli and both jumped to $800 instantly. If you decide to go with Cap One, i would take advantage of 3 hp's and get 2 cards back to back. Then get one cli at least on each card, then combine them for one better CL card.

thx, started with 300 myself so I know what is possible. cannot get 2x with a hp anymore, 6 months wait

Re: Expert Cap1 pre-qualify help needed for a friend

KSK1912 — Sat, 31 Dec 2016 03:28:44 GMT

@bourgogne wrote:
@KSK1912 wrote:
I got both of those cards in the pre q (Platinum and QS1) for my DW and she had terrible credit at the time of the app. Both started with $300. 2 months later i asked for cli and both jumped to $800 instantly. If you decide to go with Cap One, i would take advantage of 3 hp's and get 2 cards back to back. Then get one cli at least on each card, then combine them for one better CL card.
thx, started with 300 myself so I know what is possible. cannot get 2x with a hp anymore, 6 months wait

Wow, i had no idea they changed it. We did the apps back in January or February i think. Still i think Cap one would be a great start. SP cli's down the road and they seem to grow fairly quick if you manage the account well. Thanks for the info on no more 2x apps back to back.

Re: Expert Cap1 pre-qualify help needed for a friend

bourgogne — Sat, 31 Dec 2016 03:38:30 GMT

@KSK1912 wrote:
@bourgogne wrote:
@KSK1912 wrote:
I got both of those cards in the pre q (Platinum and QS1) for my DW and she had terrible credit at the time of the app. Both started with $300. 2 months later i asked for cli and both jumped to $800 instantly. If you decide to go with Cap One, i would take advantage of 3 hp's and get 2 cards back to back. Then get one cli at least on each card, then combine them for one better CL card.
thx, started with 300 myself so I know what is possible. cannot get 2x with a hp anymore, 6 months wait
Wow, i had no idea they changed it. We did the apps back in January or February i think. Still i think Cap one would be a great start. SP cli's down the road and they seem to grow fairly quick if you manage the account well. Thanks for the info on no more 2x apps back to back.

yep those were the days huh lol. forget when that change happened, maybe this year. its all a blur..yes its 100% she will get a cap1 card, she paid a card of theres out of collection in full a while back. she just now paid an single and only account reporting aside from the bads...87% Util! she paid $ 5996. her ex did not pay anything. and they have $$$$. lazy, adhd, take your pick. hey we all have our demons, right.... happy new year!