topic Re: Cap One Pre Qual? in Credit Card Applications

Cap One Pre Qual?

Jerry45 — Wed, 02 Dec 2015 15:17:00 GMT

On the verge of applying for a Cap One Card, but hoping to get some advice.

Getting 17.9% across the board at the pre qual site, but received a puzzling mailer at 24.99% on the Quicksilver.

Not much of a traveler, and the Venture spend bonus is a little high for me right now. Venture one seems not for me at this point.

Narrowed down to Quicksilver rewards, which seems to have great benefits and no AF etc..

The pre qual site shows a Visa Siggy photo at 17.99%, but does QS usually have lower limits than Ventures?

Fico's are all 750+. All my current limits are above 7k. Open accounts AAofA is 14 months, two closed cards over 2 years old. Thanks all

Re: Cap One Pre Qual?

Anonymous — Wed, 02 Dec 2015 15:24:06 GMT

Quicksilver is a good card. Pretty straight forward and simple, and I believe 0% APR for a period of time and until April 16, you get a discount on Uber with it. The limits have generally been less generous than the Venture, but I've seen people on these forums get large spending lines. If you have good income and your utilization is low, I would imagine a pretty decent limit with your scores.

Re: Cap One Pre Qual?

Jerry45 — Wed, 02 Dec 2015 15:25:27 GMT

@Anonymous wrote:
Quicksilver is a good card. Pretty straight forward and simple, and I believe 0% APR for a period of time and until April 16, you get a discount on Uber with it. The limits have generally been less generous than the Venture, but I've seen people on these forums get large spending lines. If you have good income and your utilization is low, I would imagine a pretty decent limit with your scores.

Thanks Shore. I hear also that the Cap One Cli's are Soft Pulls

Re: Cap One Pre Qual?

Anonymous — Wed, 02 Dec 2015 16:19:24 GMT

@Jerry45 wrote:
@Anonymous wrote:
Quicksilver is a good card. Pretty straight forward and simple, and I believe 0% APR for a period of time and until April 16, you get a discount on Uber with it. The limits have generally been less generous than the Venture, but I've seen people on these forums get large spending lines. If you have good income and your utilization is low, I would imagine a pretty decent limit with your scores.
Thanks Shore. I hear also that the Cap One Cli's are Soft Pulls

Mine where soft pulls, but you always run the risk of a hard pull regardless. Not that it will happen, but with any credit card company, they have the right to if they wanted.

Re: Cap One Pre Qual?

Anonymous — Wed, 02 Dec 2015 18:27:43 GMT

Cap Ones prequal link is useless. Garbage. Literally disregard anything from it.

I like the QS better personally. My wife has one. No annual fee, good cash back, and it's a nice looking card. With that said, the Venture is known to get big limits. You could always app for both, wait 6 months, then combine both limits into the QS to climb the ladder with Cap1 :-)

Re: Cap One Pre Qual?

Anonymous — Wed, 02 Dec 2015 18:31:02 GMT

^ um that first line you put is complete hog wash lol. they are accurate and 95% of the time what is in the prequal is what you're going to get. quit putting false info on here

Re: Cap One Pre Qual?

Jerry45 — Thu, 03 Dec 2015 12:38:20 GMT

@Anonymous wrote:
^ um that first line you put is complete hog wash lol. they are accurate and 95% of the time what is in the prequal is what you're going to get. quit putting false info on here

Thanks 2011. I guess I am a little fussy on this, because I am looking at a triple pull. Is there a trick to applying for 2 cards at cap 1, with only the one triple pull?

Re: Cap One Pre Qual?

Anonymous — Thu, 03 Dec 2015 12:54:18 GMT

@Jerry45 wrote:
@Anonymous wrote:
^ um that first line you put is complete hog wash lol. they are accurate and 95% of the time what is in the prequal is what you're going to get. quit putting false info on here
Thanks 2011. I guess I am a little fussy on this, because I am looking at a triple pull. Is there a trick to applying for 2 cards at cap 1, with only the one triple pull?

My successful experience was to apply for one of the cards from pre-qual, and get approved. After setting that up, only then did I apply for second card from pre-qual and was approved. Only one set of pulls was used. So if after applying for one you are declined, you could then immediately apply for the other with one set of pulls. AFAIK it just needs to be the same browser session.

Re: Cap One Pre Qual?

Anonymous — Thu, 03 Dec 2015 12:43:04 GMT

@Jerry45 wrote:
@Anonymous wrote:
^ um that first line you put is complete hog wash lol. they are accurate and 95% of the time what is in the prequal is what you're going to get. quit putting false info on here
Thanks 2011. I guess I am a little fussy on this, because I am looking at a triple pull. Is there a trick to applying for 2 cards at cap 1, with only the one triple pull?

I'm now getting the prequal for the Venture and QS. The minimum SL for Venture is $5k and the minimum for QS is $3k. Either one is good for me as my highest bank card limit is $2k, but if your wanting higher limits, then the Venture is the card for you. The Venture One's minimum SL is $3k also. Good luck.

Re: Cap One Pre Qual?

Anonymous — Thu, 03 Dec 2015 13:01:32 GMT

^ the lowest for QS is not $3k. it's $300.

Re: Cap One Pre Qual?

Jerry45 — Thu, 03 Dec 2015 13:36:56 GMT

Thanks Never. Same browser session seems to be the Key. If I get jacked on the Venture, then I can hit the QS right away.

Re: Cap One Pre Qual?

Anonymous — Thu, 03 Dec 2015 13:38:23 GMT

i did it with the same browser about two or so minutes apart and it pulled each bureau once but TU twice

Re: Cap One Pre Qual?

Jerry45 — Thu, 03 Dec 2015 13:38:32 GMT

right Kay, but the bonus spend on Venture is not for me right now. also no 0% APR.

Re: Cap One Pre Qual?

Anonymous — Thu, 03 Dec 2015 13:40:25 GMT

don't get the venture if the spend isn't something that's manageable to you. that's the main perk of that card..

Re: Cap One Pre Qual?

Jerry45 — Thu, 03 Dec 2015 13:41:19 GMT

@Anonymous wrote:
^ the lowest for QS is not $3k. it's $300.

Arghh. LOL

Re: Cap One Pre Qual?

Anonymous — Thu, 03 Dec 2015 13:44:57 GMT

@2011X.

Got the information from the Capital One website terms and disclosures. Isn't the minimum SL for the Platinum and QS1 $300?

Re: Cap One Pre Qual?

Jerry45 — Thu, 03 Dec 2015 13:48:14 GMT

@Jerry45 wrote:
@Anonymous wrote:
^ the lowest for QS is not $3k. it's $300.
Arghh. LOL

Ugh.. Thanks all the info folks

Re: Cap One Pre Qual?

Anonymous — Thu, 03 Dec 2015 13:55:11 GMT

their website doesn't reflect that properly. you can have lower QS limits. there are plenty here with sub $1k QS cards. now idk if they got approved for QS or PC'd to a QS but i have seen a ton. but IIRC there have been QS approvals for under $3k.

Re: Cap One Pre Qual?

Jerry45 — Thu, 03 Dec 2015 14:21:24 GMT

@Anonymous wrote:
their website doesn't reflect that properly. you can have lower QS limits. there are plenty here with sub $1k QS cards. now idk if they got approved for QS or PC'd to a QS but i have seen a ton. but IIRC there have been QS approvals for under $3k.

As much as I like the QS, I think the Venture one is the way I will go. Worried about low limit with QS, and V1 does have the one year 0 APR.

Regular venture is a great card, but the bonus spend is too big for me at this point., and my income at 60k may to low there too.The pre qual site shows the V1 as a Visa signature, which would be nice.

Will Apply after work tonight. Thanks all

Re: Cap One Pre Qual?

Anonymous — Thu, 03 Dec 2015 14:26:48 GMT

well wait..... don't do that just yet lol. think about this. the venture one has a minimum of $3k but it said VS so you'll get (probably) a $5k minimum approval. the venture one does has a 0% APR period but the rewards are basically 1.25% cash back redeemable ONLY for travel related expenses.

the QS also has a 0% APR period but is a 1.5% cash back redeemable for ALL expenses...
and if you're prequaled for it then you'll likely get $3k or more limit.