topic Re: CapOne Approval! in Credit Cards

CapOne Approval!

2NE1 — Wed, 04 Jan 2012 23:33:10 GMT

So excited! haha, I just got approved for the CapOne Platinum! $500 CL. (my first CC again since my other older ones were closed)

Since there was a HP on this (I'm assuming) should I apply to the No Hassle Cash Rewards one as well? would that inquire another HP?

Re: CapOne Approval!

namvet — Wed, 04 Jan 2012 23:43:45 GMT

You just got a HP on all 3 bureaus. I think i would wait before apping again for another card.

Re: CapOne Approval!

2NE1 — Wed, 04 Jan 2012 23:50:31 GMT

hmmm... I read before that if I already have had a HP you can apply for other cards under the same Creditor... so you're saying if I apply again I will get ANOTHER HP inq?

Re: CapOne Approval!

namvet — Wed, 04 Jan 2012 23:57:03 GMT

With Cap One i would have to yes to another round of HP's. Other creditors may have different policies about credit pulls.

Re: CapOne Approval!

LS2982 — Thu, 05 Jan 2012 00:17:36 GMT

@2NE1 wrote:

hmmm... I read before that if I already have had a HP you can apply for other cards under the same Creditor... so you're saying if I apply again I will get ANOTHER HP inq?

Don't do it. Your already 3 in the hole on INQ's and odds are they will decline you based on applying too soon after a CapOne approval (60 days)

Re: CapOne Approval!

CS800 — Thu, 05 Jan 2012 00:18:56 GMT

@LS2982 wrote:
@2NE1 wrote:

hmmm... I read before that if I already have had a HP you can apply for other cards under the same Creditor... so you're saying if I apply again I will get ANOTHER HP inq?
Don't do it. Your already 3 in the hole on INQ's and odds are they will decline you based on applying too soon after a CapOne approval (60 days)

Re: CapOne Approval!

chan85 — Thu, 05 Jan 2012 01:01:29 GMT

@LS2982 wrote:
@2NE1 wrote:

hmmm... I read before that if I already have had a HP you can apply for other cards under the same Creditor... so you're saying if I apply again I will get ANOTHER HP inq?
Don't do it. Your already 3 in the hole on INQ's and odds are they will decline you based on applying too soon after a CapOne approval (60 days)

I have applied for another card in that 60 day period (they kept sending me offers!) and they immediately said no because i already had an active application and I think it didn't even try to pull my credit again, it was an auto decline....

Re: CapOne Approval!

LS2982 — Thu, 05 Jan 2012 01:29:24 GMT

@chan85 wrote:
@LS2982 wrote:
@2NE1 wrote:

hmmm... I read before that if I already have had a HP you can apply for other cards under the same Creditor... so you're saying if I apply again I will get ANOTHER HP inq?
Don't do it. Your already 3 in the hole on INQ's and odds are they will decline you based on applying too soon after a CapOne approval (60 days)
I have applied for another card in that 60 day period (they kept sending me offers!) and they immediately said no because i already had an active application and I think it didn't even try to pull my credit again, it was an auto decline....

It probably will be an auto decline but I wouldn't be surpised if one fell though the cracks

Re: CapOne Approval!

Anonymous — Thu, 05 Jan 2012 02:08:16 GMT

Congrats on ~~beginning~~ resuming your credit card journey