topic Re: 3 offers on CapOne pre-qual site..what gives? in Credit Card Applications

3 offers on CapOne pre-qual site..what gives?

Anonymous — Mon, 02 Feb 2015 23:50:16 GMT

Hi gang!! Out of curiousity, I decided to see if I had any offers on Cap One site. Turns out, I was pre qualified for the QS Visa, Venture, and the Prestige card. I decide to speak to someone via chat and the gentleman tells me I have no offers on my account at the moment (I 'm currently enrolled in the Credit Steps program after getting my first Platinum card in late August).

I would like the Venture or QS Visa but I don't want it at the expense of a aHP. Should I contact the EO about this? The rep I spoke to said I would receive a cli on my 7th billing statement. My 6th one will cut on the 5th. Should I ask for both and how likely would I be approved? Thanks!

Re: 3 offers on CapOne pre-qual site..what gives?

Imperfectfuture — Mon, 02 Feb 2015 23:56:01 GMT

My experience, wait for the cli from the credit steps approval, then go after what you want to product change, they say I have no offers, but it's because the account is young.

Re: 3 offers on CapOne pre-qual site..what gives?

Anonymous — Tue, 03 Feb 2015 00:05:10 GMT

Thanks I'll try that.

Re: 3 offers on CapOne pre-qual site..what gives?

-NewGuy- — Tue, 03 Feb 2015 00:06:09 GMT

@Anonymous wrote:
Hi gang!! Out of curiousity, I decided to see if I had any offers on Cap One site. Turns out, I was pre qualified for the QS Visa, Venture, and the Prestige card. I decide to speak to someone via chat and the gentleman tells me I have no offers on my account at the moment (I 'm currently enrolled in the Credit Steps program after getting my first Platinum card in late August).

I would like the Venture or QS Visa but I don't want it at the expense of a aHP. Should I contact the EO about this? The rep I spoke to said I would receive a cli on my 7th billing statement. My 6th one will cut on the 5th. Should I ask for both and how likely would I be approved? Thanks!

I don't think that contacting the EO about an app would help too much for this matter, simply because they can't approve you without an HP. If you do decide you want to apply for those cards, you're going to incur 3 HPs.

Re: 3 offers on CapOne pre-qual site..what gives?

Anonymous — Tue, 03 Feb 2015 00:09:31 GMT

With QS you could ask for a product change now. Go through the EO for this not the front line customer service or you will definitely hear the account isnt yet 6 months old blah blah blah If you want Ventures sign up bonus then a PC wont help you there. You could request a PC but they dont include bonus offers.

If you want to avoid a HP (in this case 3 per application) I would either attempt to PC now through the EO or wait until after the credit steps is completed as ImperfectFuture suggested and weigh your options at that time Good luck!

Re: 3 offers on CapOne pre-qual site..what gives?

ddemari — Tue, 03 Feb 2015 00:29:57 GMT

my experience with cap1 prequal, I had 3 offers 1. QS Visa apr 17.9% apr, VentureOne 15.9% and Platinum Prestige 12.9%.

At the time, I already had a few cap1 one cards and NEVER prequaled for anything.

I went ahead and applied for VentureOne and QS Visa, instantly approved for both of them. I think cap1 prequal is solid.

Re: 3 offers on CapOne pre-qual site..what gives?

Creditaddict — Tue, 03 Feb 2015 01:04:17 GMT

you are getting pre-qual for cards that START at $5k limits though... might be worth the HP's!!

Especially Venture seems to be a very nice starting limit for those that are pre-approved for it.

Re: 3 offers on CapOne pre-qual site..what gives?

Anonymous — Tue, 03 Feb 2015 01:23:46 GMT

I just checked the Capital One prequalify tool and discovered I was prequalified for the same cards. I've never been prequalified before from an online preapproval tool.

Screw the three HPs, just PC your current card. If they give you guff due to how long you've had the account, know that that's a BS response (they PCed my Platinum to a QS after less than a month). You can try to get it converted by contacting the EO. Good luck!

Re: 3 offers on CapOne pre-qual site..what gives?

Creditaddict — Tue, 03 Feb 2015 01:26:18 GMT

@Anonymous wrote:
I just checked the Capital One prequalify tool and discovered I was prequalified for the same cards. I've never been prequalified before from an online preapproval tool.

Screw the three HPs, just PC your current card. If they give you guff due to how long you've had the account, know that that's a BS response (they PCed my Platinum to a QS after less than a month). You can try to get it converted by contacting the EO. Good luck!

but the point is op has a $1k low grade capital one product and is now being pre-qual for the highest grade capital one cards that START at $4k more than current card op has even before credit steps and we all know that capital one is practically impossible to grow the original card with but great about giving better cards once you reach them so if you have a good use for venture i would rather take the 3 hp's now and get a $5-$20k limit card and move on!

Re: 3 offers on CapOne pre-qual site..what gives?

Anonymous — Tue, 03 Feb 2015 01:39:34 GMT

@Creditaddict wrote:
you are getting pre-qual for cards that START at $5k limits though... might be worth the HP's!!
Especially Venture seems to be a very nice starting limit for those that are pre-approved for it.

I get the same prequals now. They will NEVER be worth 3 HP to me.

Re: 3 offers on CapOne pre-qual site..what gives?

Anonymous — Tue, 03 Feb 2015 01:43:05 GMT

Never, everrrrrrr

Re: 3 offers on CapOne pre-qual site..what gives?

Anonymous — Tue, 03 Feb 2015 01:59:29 GMT

@Anonymous wrote:
@Creditaddict wrote:
you are getting pre-qual for cards that START at $5k limits though... might be worth the HP's!!
Especially Venture seems to be a very nice starting limit for those that are pre-approved for it.
I get the same prequals now. They will NEVER be worth 3 HP to me.

Indeed. Capital One already got a triple pull from me. I think that's enough.

Re: 3 offers on CapOne pre-qual site..what gives?

Anonymous — Tue, 03 Feb 2015 02:07:31 GMT

@Anonymous wrote:
@Anonymous wrote:
@Creditaddict wrote:
you are getting pre-qual for cards that START at $5k limits though... might be worth the HP's!!
Especially Venture seems to be a very nice starting limit for those that are pre-approved for it.
I get the same prequals now. They will NEVER be worth 3 HP to me.
Indeed. Capital One already got a triple pull from me. I think that's enough.

They got their two sets from me 3 1/2 years ago.

Re: 3 offers on CapOne pre-qual site..what gives?

Anonymous — Tue, 03 Feb 2015 03:36:45 GMT

@Creditaddict wrote:
you are getting pre-qual for cards that START at $5k limits though... might be worth the HP's!!
Especially Venture seems to be a very nice starting limit for those that are pre-approved for it.

@I've never had pre-quals from Capital One either until tonight. Venture @Anonymous.9%, QS Visa @17.9%, Venture One @Anonymous.9%. Are these good offers? I checked off the box for Travel Cards.

Re: 3 offers on CapOne pre-qual site..what gives?

taxi818 — Wed, 04 Feb 2015 00:35:01 GMT

@Anonymous wrote:
@Creditaddict wrote:
you are getting pre-qual for cards that START at $5k limits though... might be worth the HP's!!
Especially Venture seems to be a very nice starting limit for those that are pre-approved for it.
I get the same prequals now. They will NEVER be worth 3 HP to me.

I agree with ca. i would give 5 hps for a 20k cap one.

Re: 3 offers on CapOne pre-qual site..what gives?

2014repair — Wed, 04 Feb 2015 17:38:26 GMT

I just checked and was pre-qualified for the venture, venture one, and quicksilver. I know it has been asked before but no real answer was given as to how reliable the pre-qualified offers are. Also, I have seen the high starting limits posted for the venture card, any idea if those same limits are being given out for the venture one. The venture one has 0% for the first year where the regular venture does not.

Re: 3 offers on CapOne pre-qual site..what gives?

Creditaddict — Wed, 04 Feb 2015 17:43:01 GMT

@2014repair wrote:
I just checked and was pre-qualified for the venture, venture one, and quicksilver. I know it has been asked before but no real answer was given as to how reliable the pre-qualified offers are. Also, I have seen the high starting limits posted for the venture card, any idea if those same limits are being given out for the venture one. The venture one has 0% for the first year where the regular venture does not.

no it has and capital ones pre-qual are some of the best along with chase...

venture one is $300-$5000 limit I believe... my friend recently got $3k off pre-approval

Re: 3 offers on CapOne pre-qual site..what gives?

2014repair — Wed, 04 Feb 2015 17:46:45 GMT

I already have a $7K limit on my quicksilver so would probably want to go with the venture and hope for a nice limit vs the venture one.

Re: 3 offers on CapOne pre-qual site..what gives?

mikelo22 — Wed, 04 Feb 2015 17:50:05 GMT

CapOne is known, on occasion, to hand out exorbitant initial CL's, especially on the Venture. But don't expect anything more than $5k or you'll likely be setting yourself up for disappointment.

I'm also Prequalified for the Venture, etc, and although I've heard the PreQual is fairly reliable, dat triple pull always keeps me from biting.

I honestly wonder if CapOne realizes (or even cares?) just how much their Triple Pull shenanigans deters potential card members from applying.

Re: 3 offers on CapOne pre-qual site..what gives?

Anonymous — Thu, 05 Feb 2015 02:43:34 GMT

Thanks for the suggestions everyone. I'll see if they give me a cli on my QS1 after my credit step program is over. I really don't want anymore hp's.

I got my first card in late August so I'm hoping when my statement cuts on the 5th.. ill get some Cap One luv.