topic Re: Capital One Pre Qualify Link Question in Credit Cards

Capital One Pre Qualify Link Question

william23 — Tue, 04 Jan 2011 23:46:48 GMT

So I have been trying the link once in a while I always would qualify for the secured credit card. Today for my surprise I am pre qualified for this.

Congratulations! We think you'll like this pre-qualified card offer.

Capital One® Classic Platinum

Credit Card Features Primary Benefit: Purchase APR: Transfer Information: Annual Fee:

Get the credit you need with a 0% Intro APR

0% Intro APR until September 2011; 17.9%-22.9% variable APR after that

17.9%-22.9% variable APR; No transfer fee

$39

Question is theres still a chance I might get declined correct????

I had a charge off with them a long time ago and it was paid and removed.

I currently have and Orchard Card, First Premier and Kays never been late with them.

I would like to get rid of the first premier which I've had for 6 months now once I hit the 1 year mark I will close it.

Any suggestions guys?? Thanks for the help!

Re: Capital One Pre Qualify Link Question

JayRizzo — Wed, 05 Jan 2011 00:03:29 GMT

I feel like the Cap-1 Poster-boy now that I've suggested this card to many in this forum hahaha. Reality, yes there's always a chance of denial but as I've stated before Capital One has been more forgiving and doesn't blacklist those who made mistakes in the past. I would suggest going for it. If it doesn't get approved, check the Cap1 backdoor numbers at the top of this forum and speak to someone about a down sell on the Cap1 Standard Platinum card or even their new Secured card which appears to be a new program for a lot less startup cost.

Re: Capital One Pre Qualify Link Question

Smug — Wed, 05 Jan 2011 00:17:14 GMT

I have 2, you will get it...

Re: Capital One Pre Qualify Link Question

JayRizzo — Wed, 05 Jan 2011 00:20:36 GMT

lol me too! thanks smug! Most start out in that Credit Steps program.

Re: Capital One Pre Qualify Link Question

-Furbz- — Wed, 05 Jan 2011 00:22:20 GMT

i have two.. one with an a/f and one without... i say go for it and 6 months from now close the 1st premier

Re: Capital One Pre Qualify Link Question

william23 — Wed, 05 Jan 2011 00:26:16 GMT

Thank you guys!!! What is the credit steps program?

Re: Capital One Pre Qualify Link Question

Smug — Wed, 05 Jan 2011 00:31:00 GMT

You will get a auto CLI one the card, I have one rewards card and one non reward I love the website and notifications.

Re: Capital One Pre Qualify Link Question

Smug — Wed, 05 Jan 2011 00:31:52 GMT

ON the card.

Re: Capital One Pre Qualify Link Question

mrmagic9799 — Wed, 05 Jan 2011 00:42:09 GMT

I JUST did the pre-approval just being curious and got approved for their NO Hassle Rewards Card 2% on Gas & 1% on Groceries and all other purchases WITH 0% interest until 9/11 ( I PIF everymonth anyway) it's just nice to have zero for a while....

Re: Capital One Pre Qualify Link Question

william23 — Wed, 05 Jan 2011 00:45:26 GMT

WOw nice whats the limit?

Re: Capital One Pre Qualify Link Question

JayRizzo — Wed, 05 Jan 2011 00:49:15 GMT

Congratulations mrmagic! Welcome to the Cap-1 family. You know the drill... pay on time, stay under the credit limit and you will get your first increase after 3 months. Initial limits are either 300 or 500 but everyone is automatically enrolled in the Credit Steps Program for those with limited or average credit which is most of us.

Re: Capital One Pre Qualify Link Question

mrmagic9799 — Wed, 05 Jan 2011 00:55:43 GMT

Thanks! all , the inital limit is $300 but I'm just stoked I was approved. I already have the secured card with them at $2K which I use for everything and PIF every month.

Re: Capital One Pre Qualify Link Question

Scuba — Wed, 05 Jan 2011 03:45:09 GMT

Cap1 loves running all 3 CB for their hard pull but if you are pre-approved for one of their cards, do they simply soft you and skip the hard pull?

Re: Capital One Pre Qualify Link Question

william23 — Wed, 05 Jan 2011 03:57:31 GMT

I was not approved fellas.....

Re: Capital One Pre Qualify Link Question

mrmagic9799 — Wed, 05 Jan 2011 04:06:23 GMT

I'm not sure if they did a hard pull on me or not. I didn't get a notification from here or FCR.com. @William23 sorry dude, Id try the recon number...

Re: Capital One Pre Qualify Link Question

Anonymous — Wed, 05 Jan 2011 04:16:53 GMT

@mrmagic9799 wrote:
I JUST did the pre-approval just being curious and got approved for their NO Hassle Rewards Card 2% on Gas & 1% on Groceries and all other purchases WITH 0% interest until 9/11 ( I PIF everymonth anyway) it's just nice to have zero for a while....

Congrats! I got that card back in October and I really, really like it. I use it for all of my normal day in and day out purchases, PIF at least once a week so that I never run a large balance, and have made back more than enough cash to offset the AF. I hope that it works out well for you, as well.

@ William23... I'm so sorry that you weren't approved. If they won't do a recon, perhaps you'll be able to get it sometime in the near future. Best wishes going forward...

Re: Capital One Pre Qualify Link Question

Anonymous — Wed, 05 Jan 2011 04:18:00 GMT

As they said, try the recon #... my scores are not much higher than yours but I do pay the Premier in full every month... yet, I also have a bk on there as well that is only 8 months old...

sorry

Re: Capital One Pre Qualify Link Question

Anonymous — Wed, 05 Jan 2011 04:18:30 GMT

@JayRizzo wrote:
I feel like the Cap-1 Poster-boy now that I've suggested this card to many in this forum hahaha. Reality, yes there's always a chance of denial but as I've stated before Capital One has been more forgiving and doesn't blacklist those who made mistakes in the past. I would suggest going for it. If it doesn't get approved, check the Cap1 backdoor numbers at the top of this forum and speak to someone about a down sell on the Cap1 Standard Platinum card or even their new Secured card which appears to be a new program for a lot less startup cost.

Can I be the poster-girl, then?

Re: Capital One Pre Qualify Link Question

william23 — Wed, 05 Jan 2011 05:09:54 GMT

which one is the best recon number and how do I about reconsidering? what do I say?

Re: Capital One Pre Qualify Link Question

JayRizzo — Wed, 05 Jan 2011 09:26:24 GMT

Which Capital One card did you apply for? If you went for the Rewards card, then that may have been out of your reach. Call the 877-513-9959 number to speak directly to a Personal Account Specialist, you may ask for an Executive Account Supervisor if necessary -- they will explain all the details of your application and down-sell choices. Also to tinuviel, hahaha yes there's always plenty of room under the Capital One poster-boy/girl spotlight.