topic Re: Capital One Approval Question in Credit Cards

Capital One Approval Question

Cotton_Britches — Sat, 29 Aug 2015 21:37:14 GMT

I have one unpaid charge off for $1900 on my report from GERB/HHGregg (2012). No other baddies. No inquiries. A student loan that's always been current. Is it possible to obtain an unsecured card from Cap One, or will I have to go with a secured card?

Re: Capital One Card Question

ddemari — Sat, 29 Aug 2015 21:24:32 GMT

Cap1 is very forgiving. If your scores are decent and income decent, u should be ok.

Re: Capital One Card Question

Cotton_Britches — Sat, 29 Aug 2015 21:28:11 GMT

Do you have to submit the W2 for proof of income?

Re: Capital One Card Question

ddemari — Sat, 29 Aug 2015 21:37:54 GMT

Nope. Just be truthful and cap1 will be good to u

Re: Capital One Approval Question

Anonymous — Sat, 29 Aug 2015 21:43:36 GMT

Did you app yet?

Re: Capital One Approval Question

Anonymous — Sat, 29 Aug 2015 21:51:58 GMT

Good luck. Let us know...

Re: Capital One Approval Question

Cotton_Britches — Sat, 29 Aug 2015 22:17:56 GMT

No I haven't apped yet. Just thinking through my app choices before I pull the trigger.

Re: Capital One Approval Question

Anonymous — Sat, 29 Aug 2015 22:20:07 GMT

@Cotton_Britches wrote:
No I haven't apped yet. Just thinking through my app choices before I pull the trigger.

Okay, but if you could get on it within the next hour or so I'd appreciate it. I'll be heading out to watch the Seahawks.

Re: Capital One Approval Question

OmarGB9 — Sun, 30 Aug 2015 05:28:07 GMT

Lol don't listen to Captool. He's a terrible influence around here. Pressuring people into apping since he can't.

Anyway depending on scores and income you may be able to nab an unsecured cc with cap1.

Re: Capital One Approval Question

UncleB — Sun, 30 Aug 2015 07:07:13 GMT

You can also give the pre-qual page a visit... if you have an offer there, it should be pretty solid.

Re: Capital One Approval Question

Anonymous — Sun, 30 Aug 2015 10:45:48 GMT

Cotton _britches if anyone messed up there credit here it was me.

In 2013 I had a derogatory from BOA CL $300(Paid charge off for less than full amount)
in 2013 I went 120+ late on my student loan(paid amount OWED before it went to default).
In 2013 a annoying collection (paid in full)

Despite my score was in the mid $500s and all this above, in January 2015 i applied for BOA again and they took another shot at me with there secured card and this time instead of the $300 I deposited $4K

February I was approved for the capital one platinum card. $1000 SL and converted it to QUICKSILVER MC. So it is possible.

also CREDIT ADDICT I am a huge Seahawks fan just saying