topic Re: Will I qualify for Cap 1 Quick silver master card. in Credit Card Applications

Will I qualify for Cap 1 Quick silver master card.

Anonymous — Sat, 08 Nov 2014 14:41:57 GMT

I had a question. I have a thin Credit file of only 4 months. I have 4 accounts in good standings. 1 is a shared secured installment loan. The other 3 are Secured credit cards. 1 BOA cash rewards, 1 Cap One an Discover IT. UTIL has always been 1%. Since starting this credit rebuilding process I have managed to get rid of almost all my derogatory accounts. On my TU CR, I have only 1 negative CA reporting (traffic ticket)from 2011 in the amount of $ 910.00. According to Equifax credit monitoring an my Cap one, my history is 11 years 4 months. I'm assuming this is because I have 2 closed installment accounts reporting with a $0 balance from 11 years ago (its a closed account). Other than that I have 8 inquiries on my TU report. Although I have only open credit cards 4 months ago. According to Equifax credit monitoring my TU score is 663. My Discover hasn't updated yet so I would assume it's around the same +/-. What do you guys think my chances are at getting approved for the Quick silver Master card? Thanks in advance guys.

Mark.

Re: Will I qualify for Cap 1 Quick silver master card.

peaceonearth — Sat, 08 Nov 2014 14:51:39 GMT

@Anonymous wrote:
I had a question. I have a thin Credit file of only 4 months. I have 4 accounts in good standings. 1 is a shared secured installment loan. The other 3 are Secured credit cards. 1 BOA cash rewards, 1 Cap One an Discover IT. UTIL has always been 1%. Since starting this credit rebuilding process I have managed to get rid of almost all my derogatory accounts. On my TU CR, I have only 1 negative CA reporting (traffic ticket)from 2011 in the amount of $ 910.00. According to Equifax credit monitoring an my Cap one, my history is 11 years 4 months. I'm assuming this is because I have 2 closed installment accounts reporting with a $0 balance from 11 years ago (its a closed account). Other than that I have 8 inquiries on my TU report. Although I have only open credit cards 4 months ago. According to Equifax credit monitoring my TU score is 663. My Discover hasn't updated yet so I would assume it's around the same +/-. What do you guys think my chances are at getting approved for the Quick silver Master card? Thanks in advance guys.

Mark.

Use the Capital One link to see if you're preapproved.

https://findmycard.capitalone.com/PageVersions/LandingPages/LP_UNS_QUICK_RWD_V01.aspx

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Sat, 08 Nov 2014 14:52:11 GMT

You should qualify. I have more collections than that and I have one. Try their prequalify link on their website just to be sure. If the card comes up then apply for it.

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Sat, 08 Nov 2014 16:55:40 GMT

Ok so I clecked the link. Its said

"Mark, we couldn't match your records to a card offer.
But based on your answers, we think you might like this card".

which is the Quick sliver mastercard.... Does that mean I do NOT have a shot at this card?

Re: Will I qualify for Cap 1 Quick silver master card.

peaceonearth — Sat, 08 Nov 2014 18:14:45 GMT

@Anonymous wrote:
Ok so I clecked the link. Its said
"Mark, we couldn't match your records to a card offer.
But based on your answers, we think you might like this card".
which is the Quick sliver mastercard.... Does that mean I do NOT have a shot at this card?

If you have no Neg on your credit reports, you may still get approved with your score.

If you need it that bad! go ahead and apply.

Godd luck.

Re: Will I qualify for Cap 1 Quick silver master card.

Goodness — Sun, 09 Nov 2014 04:55:14 GMT

I never got a preapproval from site just did HP and got approved

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Sun, 09 Nov 2014 04:56:50 GMT

Do you know your AAoa? did they pull TU? any baddies an what about inq?

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Tue, 11 Nov 2014 14:41:39 GMT

So today my Discover it fico score was displayed today. They say I'm at a 671. That 1 collection account is still holding me back, I guess... If I wait till say, January, or even February, do you guys think my chances will be better?

Re: Will I qualify for Cap 1 Quick silver master card.

waters — Wed, 12 Nov 2014 02:51:24 GMT

Apply for their platinum mc with a fee and immediately ask them to add 1.5‰ rewards. Will be a quicksilverone.

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Wed, 12 Nov 2014 03:24:59 GMT

Platinum?? Are you talking about the one like the secure card?

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Wed, 12 Nov 2014 03:25:34 GMT

What are the qualifications for that card?

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Wed, 12 Nov 2014 03:31:39 GMT

quicksilver one is a builder/rebuilder's card, so requirements isn't that high, I got approved 3k quicksilver one with around 658 TU score with a delinquency.

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Wed, 12 Nov 2014 03:35:21 GMT

So apply for the platinum with 0% Apr for the 1st year an 19 after that? Then add 1.5% cash back. Will I have to ask them to PC the card to quick silver one? If I may ask what was your AAOA at time of approval?

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Wed, 12 Nov 2014 04:06:27 GMT

Is that the QS1 in your sig, the Visa?

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Wed, 12 Nov 2014 04:30:02 GMT

@Anonymous wrote:
Is that the QS1 in your sig, the Visa?

I couldn't find a picture of quicksilver with mastercard logo

I PC's quicksilver one card with venture one card, and platinum visa to quicksilver card. Because I didn't wanna pay annual fee

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Thu, 11 Dec 2014 03:59:29 GMT

Update. I got my Discover IT fico score. Last month my score was 671. Tonight it says 689. Am I looking any better at getting approved for this charge card in January. I know they pull Experian an all but +/- a few points.

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Thu, 11 Dec 2014 03:59:59 GMT

Correction, they pull TU only correct?

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Thu, 11 Dec 2014 04:03:04 GMT

@Anonymous wrote:
Update. I got my Discover IT fico score. Last month my score was 671. Tonight it says 689. Am I looking any better at getting approved for this charge card in January. I know they pull Experian an all but +/- a few points.

CapOne uses EQ mainly in credit decisions.

Pull your FICO's and post for best answers

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Thu, 11 Dec 2014 04:03:34 GMT

@Anonymous wrote:
Correction, they pull TU only correct?

They pull all 3.

Re: Will I qualify for Cap 1 Quick silver master card.

Anonymous — Thu, 11 Dec 2014 04:07:36 GMT

For some reason I can't pull Experian. I have tried here an through lenders to no avail. An correction, didn't mean to say charge card. I under the assumption until next month when I hit 6 months AAoA.