topic Re: QuickSilver1 Denied in Credit Card Applications

QuickSilver1 Denied

Anonymous — Wed, 06 May 2015 15:05:22 GMT

So I applied for QS1 and its been about a week and I saw today that they pulled my report. Called in on a status update and was told i got denied.

I really had no bussiness applying because my score is only 556 but I jumped the gun does anyone think i have a chance to recon it with the EO office or should i just cut my losses and try for the BOA secured card..

Thanks

Re: QuickSilver1 Denied

Anonymous — Wed, 06 May 2015 15:21:46 GMT

Cap One does a tripple pull and since you've already been with it, I would try to recon it, the worst they can say is no.

Re: QuickSilver1 Denied

Mortalito77 — Wed, 06 May 2015 15:27:05 GMT

Hello OP, just wanted to say I'm sorry for the denial. I know you felt disappointed but this experience should give you energy to start to fix the things that should have been fixed in order to improve your credit. I would suggest that when you call CapOne if your turned down is to be considered for the secured card since they already pulled your credit. Good luck!

Re: QuickSilver1 Denied

TRC_WA — Wed, 06 May 2015 16:25:17 GMT

556 would pretty much require a secured card. I see no chance of unsecured approval.

Re: QuickSilver1 Denied

Anonymous — Wed, 06 May 2015 16:43:55 GMT

@TRC_WA wrote:
556 would pretty much require a secured card. I see no chance of unsecured approval.

Don't be so sure. I've seen QS (Visa) approvals with 590's and QS1 (MC) approvals with 530's roll through.

It's not just the scores.

Re: QuickSilver1 Denied

TRC_WA — Wed, 06 May 2015 16:47:58 GMT

@Anonymous wrote:
@TRC_WA wrote:
556 would pretty much require a secured card. I see no chance of unsecured approval.
Don't be so sure. I've seen QS (Visa) approvals with 590's and QS1 (MC) approvals with 530's roll through.

It's not just the scores.

Ok... OP's chance is still slim at any rate. You don't get a 556 score without serious derogs.

Re: QuickSilver1 Denied

CreditPacMan — Wed, 06 May 2015 17:08:34 GMT

With your score, I'd say the chances are slim. How does your profile look like (any other cards that you have? )?

Re: QuickSilver1 Denied

Anonymous — Wed, 06 May 2015 17:09:43 GMT

Well, The baddies i've got on my CR are paid and I have a few late payments from a student loan but still trying to goodwill. I guess i will call the EO office and see if they can help me out. Thank for commnets guys I've already got the secure card and i've been doing good with it but its my only line of credit right now.

Re: QuickSilver1 Denied

degs138 — Wed, 06 May 2015 17:53:54 GMT

Always recon. You have to try to get something for the tripple pull. I'd at least go secured card route. You'll get in the door with them and it will switch over sooner then you probably think.

Re: QuickSilver1 Denied

CreditCuriosity — Wed, 06 May 2015 17:59:03 GMT

Agree kinda with Nixon on this... Deffinetly not out of the ballpark.. this when I got my QS MC I was @ 530ish... Ya nasty isn't it... Granted I had alot of postive stuff on my credit report as well, so score is not everything it is the profile they look at more then the score.. Granted the OP might have a whole different profile and most likely does than I did at the time.. I am still at a 660ish EX and havfe a 20k+ Amex plus the other cards I have, so once again score isnt everything.

Worth a recon atttempt if not possibly a Journey card and PC it? I believe journey might be easier than QS1

Re: QuickSilver1 Denied

northface28 — Wed, 06 May 2015 17:59:49 GMT

@degs138 wrote:
Always recon. You have to try to get something for the tripple pull. I'd at least go secured card route. You'll get in the door with them and it will switch over sooner then you probably think.

Cap1 secured cards dont graduate though.

Re: QuickSilver1 Denied

CreditCuriosity — Wed, 06 May 2015 18:02:05 GMT

@northface28 wrote:
@degs138 wrote:
Always recon. You have to try to get something for the tripple pull. I'd at least go secured card route. You'll get in the door with them and it will switch over sooner then you probably think.
Cap1 secured cards dont graduate though.

Agree better off with a BofA secured if that can be obtained or SDFCU which requires no HP if OP goes secured route.

Re: QuickSilver1 Denied

Anonymous — Wed, 06 May 2015 18:33:08 GMT

I can testify that my gf got approved for capone QS1 with a score in the high 400's..she has unpaid student loans that are 4+ years old...so high 500's looks a lot better than high 400s.

With that being said, call and recon!! Like many have said, what's the worst they can do, say no? Tell them you are rebuilding. Tell them you made mistakes and rectified them by paying them off..plead your case, be honest ++ lie a bit if you have to (yeah, oxymoron). Sweet talk them and tell them you would really love a chance with capital one..cross your fingers and hope for the best, it can all depend on the analyst you get on the phone as well...he may have not gotten any from his wife last night and could be grumpy or quite possibly receive some road head from DW on his way to work and is in a great approving mode, you never know!

Re: QuickSilver1 Denied

Anonymous — Wed, 06 May 2015 19:39:58 GMT

Does anyone have the cap1 EO number. I've googled and keep getting "you've won a free trip" thing. Pm me please..

Re: QuickSilver1 Denied

Anonymous — Wed, 06 May 2015 20:09:51 GMT

I found it, had to get off my mobile. Called and talked to them and i gave them my income and housing expenses and they said i would get a response in 3-5 days. Wish me luck! i'm going to need it!

Re: QuickSilver1 Denied

TRC_WA — Wed, 06 May 2015 21:14:49 GMT

@CreditCuriousity wrote:
@Agree kinda with Nixon on this... Deffinetly not out of the ballpark.. this when I got my QS MC I was @ 530ish... Ya nasty isn't it... Granted I had alot of postive stuff on my credit report as well, so score is not everything it is the profile they look at more then the score.. Granted the OP might have a whole different profile and most likely does than I did at the time.. I am still at a 660ish EX and havfe a 20k+ Amex plus the other cards I have, so once again score isnt everything.

Worth a recon atttempt if not possibly a Journey card and PC it? I believe journey might be easier than QS1

No it's not, but it helps.

If there is any lender that will approve a 530 score, it's CapOne.

Re: QuickSilver1 Denied

Anonymous — Fri, 15 May 2015 16:55:50 GMT

Just wanted to update on my EO experience. Called and spoke with a very nice woman. She requested my income and bills and submitted as of today its still being reviewed so im not sure how its going to turn out. Hope i get it guys

Re: QuickSilver1 Denied

taxi818 — Fri, 15 May 2015 23:04:30 GMT

@TRC_WA wrote:
556 would pretty much require a secured card. I see no chance of unsecured approval.

Re: QuickSilver1 Denied

Anonymous — Sat, 16 May 2015 02:30:17 GMT

I wasn't approved for a quicksilver until my score was 595. Then at that point I had a 7 to 10 day message and I thought I had been declined but I wasn't.

Re: QuickSilver1 Denied

Anonymous — Sat, 16 May 2015 02:35:37 GMT

Call & recon. I think you have a chance. Seen approvals with your scores on here as well.