topic Re: Cap 1 main puller is TU in Credit Cards

Cap 1 main puller is TU

Jccflat — Fri, 21 Jun 2019 15:05:36 GMT

Wen applying for a card with cap1 I know they pull 3
if my TU is amazing but the other ones are that good since I have a collection will they approve me ?

Re: Cap 1 main puller is TU

Brian_Earl_Spilner — Fri, 21 Jun 2019 15:10:17 GMT

When I get denied for a CLI, they reference both EQ and TU, mostly EQ.

Re: Cap 1 main puller is TU

Remedios — Fri, 21 Jun 2019 15:22:50 GMT

@Jccflat wrote:
Wen applying for a card with cap1 I know they pull 3
if my TU is amazing but the other ones are that good since I have a collection will they approve me ?

There is no simple answer to that. Your entire profile is "evaluated" and that includes data present on all three.

Cap One is not particularly score sensitive, but if your collections are recent, you may hit a snag

Same with recent accounts/inq.

Give their prequal tool a try, it's usually fairly reliable when you get prequal. Absence of one does not necessarily indicate a denial.

Re: Cap 1 main puller is TU

Anonymous — Fri, 21 Jun 2019 15:25:33 GMT

My Savor One approval they sent me the “price you pay for credit” letter with my Experian Bankcard 3 score on there.

I would just garden honestly, didn’t NFCU just give you like $36K in credit between a new card and CLI?

Re: Cap 1 main puller is TU

Remedios — Fri, 21 Jun 2019 15:51:52 GMT

@Anonymous wrote:
My Savor One approval they sent me the “price you pay for credit” letter with my Experian Bankcard 3 score on there.

I would just garden honestly, didn’t NFCU just give you like $36K in credit between a new card and CLI?

I dont think that's a fair statement. Didn't you just apply for four cards or something along those numbers?

Op may have their reasons for wanting this particular card. You seem to be able to justify each app, I dont see why there is an automatic "stop" response to the OP without additional information.

Re: Cap 1 main puller is TU

simplynoir — Fri, 21 Jun 2019 16:05:49 GMT

@Remedios wrote:
@Anonymous wrote:
My Savor One approval they sent me the “price you pay for credit” letter with my Experian Bankcard 3 score on there.

I would just garden honestly, didn’t NFCU just give you like $36K in credit between a new card and CLI?

I dont think that's a fair statement. Didn't you just apply for four cards or something along those numbers?
Op may have their reasons for wanting this particular card. You seem to be able to justify each app, I dont see why there is an automatic "stop" response to the OP without additional information.

This pretty much. If people stopped applying once they got approved for what they got then people wouldn't post asking if they were good for additional lines of credit. And if people kept applying despite being declined from other places then they apparently didn't learn anything not addressing the issues with the declines.

Re: Cap 1 main puller is TU

Anonymous — Fri, 21 Jun 2019 16:08:05 GMT

@Remedios wrote:
@Anonymous wrote:
My Savor One approval they sent me the “price you pay for credit” letter with my Experian Bankcard 3 score on there.

I would just garden honestly, didn’t NFCU just give you like $36K in credit between a new card and CLI?

I dont think that's a fair statement. Didn't you just apply for four cards or something along those numbers?
Op may have their reasons for wanting this particular card. You seem to be able to justify each app, I dont see why there is an automatic "stop" response to the OP without additional information.

It wasn’t an automatic stop, it’s a recommendation because of the negative info that OP has had added to the other bureaus. OP was freaking out about possibly losing their NFCU approval when asking for a CLI last night, it seems reasonable to suggest gardening and working to get the negative info off the report first.

Re: Cap 1 main puller is TU

Remedios — Fri, 21 Jun 2019 16:18:31 GMT

Gardening after any approval is reasonable for most profiles. We both know that's not how it works for some, though.

Best we can do is address issue on hand and answer the question in the OP.

Now, if OP asks if they should be applying in the first place, that may completely change the response, especially in the light of other apps/approvals OP received.

However, that was not the question and addressing it without being asked gets very close to proselytizing in my opinion.

Re: Cap 1 main puller is TU

FinStar — Fri, 21 Jun 2019 16:18:39 GMT

@Remedios wrote:
@Jccflat wrote:
Wen applying for a card with cap1 I know they pull 3
if my TU is amazing but the other ones are that good since I have a collection will they approve me ?
There is no simple answer to that. Your entire profile is "evaluated" and that includes data present on all three.
Cap One is not particularly score sensitive, but if your collections are recent, you may hit a snag
Same with recent accounts/inq.
Give their prequal tool a try, it's usually fairly reliable when you get prequal. Absence of one does not necessarily indicate a denial.

Echoing what @Remedios mentioned above, you will likely encounter an issue with the collection(s) being present on the other 2 CRs. TU might be fabulous, but since everything is evaluated as a whole, the results may not be in your favor.

I would seriously give it some thought @Jccflat. But, if you want to pull the trigger and take those chances, go for it. I always say that DPs are always welcome and valuable . Just keep in mind that if declined, there's no reconsideration.

Re: Cap 1 main puller is TU

Jccflat — Fri, 21 Jun 2019 16:45:28 GMT

Yea I just got 36k from nfcu
And I’ll wait with cap 1 since I want the savor card and I need first to spend the 4K on the flagship
Or I might just stick to the 2 navy cards that I have since my goal is to get a third one
And I read they like if someone is exclusive using navy only I guess that’s why I got such a big credit increase Last night

Re: Cap 1 main puller is TU

NRB525 — Fri, 21 Jun 2019 16:50:25 GMT

Do you have any CapOne cards currently?
Cards like Savor and Venture should be easier for challenged profiles if the cardholder has proof directly with CapOne of their payment habits, on a C1 Platinum or QS.

Re: Cap 1 main puller is TU

Jccflat — Fri, 21 Jun 2019 16:57:57 GMT

No I have 2 AU cards
And the 1 navy platinum 92 days old
And the flagship just got ,
Btw just Checked the cap1 pre approval and I have a offer for the quick silver and the platinum card

Re: Cap 1 main puller is TU

HeavenOhio — Sat, 22 Jun 2019 15:56:57 GMT

@Jccflat wrote:
And I’ll wait with cap 1 since I want the savor card and I need first to spend the 4K on the flagship

Here's your reason for gardening. People often acquire two or three cards, then they can't figure out a way to meet the sign-up bonus. Or worse, they overspend after "inventing" ways to meet sign-up bonuses. You're doing it the right way. Let your natural spending take care of it, keeping in mind that it's fine to temporarily shift spending from other cards to the new one.

The main thing to watch for with Capital One applications is new accounts and inquiries. They've become much more sensitive to those things over the past year or so.