topic Re: Capital One 2 Card Rule in Credit Cards

Union Card by Capital One

GhostCredit — Sat, 21 Jan 2023 01:01:35 GMT

Is the union card by capital one in the back office of all the other core/cobrand cards with capital one? could you pool the cash back cards together to the venture cards? is the union card easier to get approved than the quicksilver?

Re: Union Card by Capital One

UncleB — Sat, 21 Jan 2023 00:35:21 GMT

Hi @GhostCredit, I've moved your post to a new thread to get your question more exposure.

--UB

Re: Capital One 2 Card Rule

FireMedic1 — Sat, 21 Jan 2023 00:37:55 GMT

Cap1 doesnt combine any longer. You asked about other Cap1 products a few days ago.

https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Excellent-Credit-Score-but-Good-Credit/m-p/6635944#M1838976

Is there a reason with 17 cards already you want a Cap card?

Re: Capital One 2 Card Rule

FinStar — Sat, 21 Jan 2023 00:41:23 GMT

@GhostCredit wrote:
Is the union card by capital one in the back office of all the other core/cobrand cards with capital one? could you pool the cash back cards together to the venture cards? is the union card easier to get approved than the quicksilver?

It is considered part of their core card family, unlike PLCCs such as Cabela's, BassPro, Saks WEMC, etc.

The Union Plus product is tiered based on their rating of creditworthiness (Good vs Excellent) -- they have 3 different CC types. So, as far as UW, I would venture to think they'd use similar guidelines as those of their respective core cards and creditworthiness tiers.

Re: Union Card by Capital One

UncleB — Sat, 21 Jan 2023 00:42:45 GMT

@FireMedic1 wrote:
Cap1 doesnt combine any longer. You asked about other Cap1 products a few days ago.
https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Excellent-Credit-Score-but-Good-Credit/m-p/6635944#M1838976
Is there a reason with 17 cards already you want a Cap card?

He may have meant moving/combining the rewards between the Union card and the Venture. Until/unless he replies we won't know for sure.

Re: Union Card by Capital One

FireMedic1 — Sat, 21 Jan 2023 00:50:05 GMT

@UncleB wrote:
@FireMedic1 wrote:
Cap1 doesnt combine any longer. You asked about other Cap1 products a few days ago.
https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-Excellent-Credit-Score-but-Good-Credit/m-p/6635944#M1838976
Is there a reason with 17 cards already you want a Cap card?
He may have meant moving/combining the rewards between the Union card and the Venture. Until/unless he replies we won't know for sure.

Copy that @UncleB

Re: Union Card by Capital One

jbelinc — Sun, 25 Jun 2023 17:05:51 GMT

Is the Union Plus card a triple hard pull?

Re: Union Card by Capital One

FireMedic1 — Sun, 25 Jun 2023 19:43:55 GMT

Cap1 triple pulls for everything and Innovis. Capital One does seem to rely on specific bureaus in some states, though this is not a guarantee.

Re: Union Card by Capital One

Tcal — Mon, 26 Jun 2023 03:44:35 GMT

One of my household members just got a triple pull for it. So yes