topic Re: Cap1 in Credit Cards

Cap1

Anonymous — Fri, 26 Jul 2019 00:41:25 GMT

Alright so heres the deal. I have a QS (was a PC from a Plat) and QS1 which I know is an AF subprime card.

I check prequals and I have not been getting anything from Cap1 at all. Is it because I'm holding 2 subprime cards? should I ditch the QS1 come its full year and try for a better card from them?

I dont mind keeping the QS as it is my oldest account and no AF.

Re: Cap1

AverageJoesCredit — Fri, 26 Jul 2019 01:03:19 GMT

Branch out, there are other lenders who dont pull thrice Just sayin

Re: Cap1

Brian_Earl_Spilner — Fri, 26 Jul 2019 01:07:31 GMT

I had something typed out, but then the thread got moved and I lost it. I don't remember what I typed.

Thank you, come again.

Re: Cap1

pinkandgrey — Fri, 26 Jul 2019 01:11:31 GMT

If you don’t really like either card, just close them both. If your credit and income are good, Cap One may give you a high SL on a Venture or Savor. I assume that your QS and QS1 are in a bucket and won’t grow much. Good luck!

Re: Cap1

Anonymous — Fri, 26 Jul 2019 01:23:17 GMT

@Brian_Earl_Spilner wrote:
I had something typed out, but then the thread got moved and I lost it. I don't remember what I typed.

Thank you, come again.

Same here. Thread monster ate my reply. I thought there was someplace our drafts were saved in profiles but I can’t find it.

Re: Cap1

Brian_Earl_Spilner — Fri, 26 Jul 2019 01:26:02 GMT

@Anonymous click on your user name. It's under your stats, above the threads you participated in. I checked, my draft wasn't there.

Re: Cap1

Anonymous — Fri, 26 Jul 2019 01:31:11 GMT

You can only get one Cap1 card every 6 months. Has it been 6 months since you received your last Cap1 card?

Based on the approvals I have seen here your scores are too low for the non subprime Cap1 cards. Since Cap1 only allows two subprime cards, hence, no preapprovals.

Search the approvals section. Look for scores of people approved. Don’t go to far back because imho Cap1 has tightened up a bit. Obviously that’s not scientific but it will give you an idea of where you need to be. ymmv of course.

You could cold app, but I wouldn’t

Re: Cap1

FinStar — Fri, 26 Jul 2019 02:18:56 GMT

@Anonymous wrote:
@Brian_Earl_Spilner wrote:
I had something typed out, but then the thread got moved and I lost it. I don't remember what I typed.

Thank you, come again.
Same here. Thread monster ate my reply. I thought there was someplace our drafts were saved in profiles but I can’t find it.

Re: Cap1

M_Smart007 — Fri, 26 Jul 2019 21:49:48 GMT

@AverageJoesCredit wrote:
Branch out, there are other lenders who dont pull thrice Just sayin

@AJC Has some good recommendations in His siggy

Here's to "Thrice" <<< #JustSayin