topic Re: Capital One Prequalified offer in Credit Card Applications

Capital One Prequalified offer

Anonymous — Wed, 25 Nov 2015 05:52:02 GMT

I recently check my prequalified offer fro Cap1, upon checking, saying Congratulations! You're qualified for Cap1 platinum and quicksilver 1. I already have quicksilver1, Do you think If I applied for it will I get a get a good starting limit? I don't wanna get a low limit $500. any suggestions? thanks

Re: Capital One Prequalified offer

Anonymous — Wed, 25 Nov 2015 06:14:25 GMT

By looking at the limits you have on your pre-existing cards I don't understand why you wouldn't be able to get at least $1,000. If it's less than what you'd like you can always call to recon.

Re: Capital One Prequalified offer

Anonymous — Wed, 25 Nov 2015 06:17:42 GMT

thats why Im afraid to apply. Im really looking for Venture, I dont understand why the offer me Platinum and Qs1.

Re: Capital One Prequalified offer

Anonymous — Wed, 25 Nov 2015 06:26:45 GMT

Just because you're not pre-qulified doesn't mean you'll be denied. Sometimes it takes the hardpull to get that approval. Cap1 is usually pretty easy to get approved for. I don't know your credit report info or your scores so I can't offer much advice, but if you can afford the hardpull it may be worth a shot. And if you're denied you can always recon that.

Re: Capital One Prequalified offer

Anonymous — Wed, 25 Nov 2015 06:48:52 GMT

@Anonymous wrote:
I recently check my prequalified offer fro Cap1, upon checking, saying Congratulations! You're qualified for Cap1 platinum and quicksilver 1. I already have quicksilver1, Do you think If I applied for it will I get a get a good starting limit? I don't wanna get a low limit $500. any suggestions? thanks

Like Inutown said, it's hard for me to guess on the Venture without knowing your scores. Based on your profile, I'd guess you'd have a decent shot. I got the QS and QS1 without being pre-approved for anything, if that helps. Venture or Venture one are likely to be my next app after recent reading, so I'll be interested in hearing what you decide.

Re: Capital One Prequalified offer

Anonymous — Wed, 25 Nov 2015 11:15:20 GMT

What are your scores and do you have any baddies?

Re: Capital One Prequalified offer

Anonymous — Wed, 25 Nov 2015 14:33:13 GMT

698 ex 701 tu 688 eq, No baddies..

Re: Capital One Prequalified offer

Anonymous — Wed, 25 Nov 2015 16:32:48 GMT

When you checked the pre-qual site, what type of credit did you say you had? Try it again and check the excellent box. That's how I got my venture to pop up.

I got my venture1 and QS Visa with a cold app. I think Venture uses fico 04 and QS fico 08 score. You're 08 above is way better than mine was when I applied.

Re: Capital One Prequalified offer

ddemari — Wed, 25 Nov 2015 19:47:29 GMT

Looking at your Signature and scores, I would go for a platinum MC with Cap1. I think you would probably get the Venture. a lot of people have sucess with cold apps and cap1. I dont but that's because I have a lot of their cards already. Someone with only 1-2 cards and good scores and good profile, you can probably get the approval without being preapproved. Otherwise, hold out for the Venture offer. U dont want to accumulate too many generic cap1 cards.

Re: Capital One Prequalified offer

Anonymous — Wed, 25 Nov 2015 20:30:34 GMT

Many have been approved for Venture with lower scores, so you might be approved, especially if your income is strong enough.
There is certainly no reason to apply for yet another lower level Capital One card, so don't waste your time or the HP's.

Re: Capital One Prequalified offer

bodyboy1 — Wed, 25 Nov 2015 23:04:02 GMT

@Anonymous wrote:
I recently check my prequalified offer fro Cap1, upon checking, saying Congratulations! You're qualified for Cap1 platinum and quicksilver 1. I already have quicksilver1, Do you think If I applied for it will I get a get a good starting limit? I don't wanna get a low limit $500. any suggestions? thanks

> do not take it! > Wait!

Re: Capital One Prequalified offer

Pway — Wed, 25 Nov 2015 23:12:54 GMT

Looking at your signature, why would you want another rebuilder card? IT seems as though the cards the cards that you are prequal for are rebuilders. The platinum has no rewards and for me it is no incentive to use it what so ever. I am actually combining that card with my QS1. I would personally hold off and wait until you are pre qual for one of their top tier cards.

Re: Capital One Prequalified offer

bodyboy1 — Wed, 25 Nov 2015 23:49:35 GMT

@Pway wrote:
Looking at your signature, why would you want another rebuilder card? IT seems as though the cards the cards that you are prequal for are rebuilders. The platinum has no rewards and for me it is no incentive to use it what so ever. I am actually combining that card with my QS1. I would personally hold off and wait until you are pre qual for one of their top tier cards.

> +1!

Re: Capital One Prequalified offer

bodyboy1 — Wed, 25 Nov 2015 23:57:13 GMT

@Pway wrote:
Looking at your signature, why would you want another rebuilder card? IT seems as though the cards the cards that you are prequal for are rebuilders. The platinum has no rewards and for me it is no incentive to use it what so ever. I am actually combining that card with my QS1. I would personally hold off and wait until you are pre qual for one of their top tier cards.

> soon as u pay down to $0 and combine.. wait 3 days.. go back to preQualifier & Claim your Venture or Venture one! > ok.. i should say after you Combine Acct"s like i did to get to My World card.. Then you keep checking the (pre-Qualifier) for your Venture Or Venture One! & don't accept anything less / or Else. i'll tell you rite now i love My Venture Card(s)! > do i travel? No! > it's nice to have a bank that helps you! What's in your Wallet!?

Re: Capital One Prequalified offer

Anonymous — Thu, 26 Nov 2015 01:46:15 GMT

Thanks everyone, I'm not gonna apply for that platinum card.. I know it will be a low limit card.

Re: Capital One Prequalified offer

Anonymous — Mon, 30 Nov 2015 18:59:54 GMT

i would wait until you get the prequal so you can hopefully get better than the 22.9% APR. unless you just NEED it then i would wait. many people just want cards so they get impatient but yeah. up to you. if i were you i would wait.