topic Re: Sony Capital One Card Approved in Credit Cards

Sony Capital One Card Approved

Anonymous — Sat, 12 May 2012 05:23:45 GMT

Low 600's everyone says typically excellent credit requirement, but my buddy and I got approved the same day we have similar credit profile...not only that it was second Cap One card, glitch in the system and I should consider myself lucky?

Re: Sony Capital One Card Approved

beb86 — Sat, 12 May 2012 05:44:07 GMT

low 600's are not excellent fico scores...believe me I have been there....whats your limit on the sony card

Re: Sony Capital One Card Approved

Anonymous — Sat, 12 May 2012 05:50:39 GMT

@beb86 wrote:
low 600's are not excellent fico scores...believe me I have been there....whats your limit on the sony card

I totaly agree, limit is $500. My friend has almost identical credit profile we both got approved for the same. I was shocked, but happy.

Re: Sony Capital One Card Approved

beb86 — Sat, 12 May 2012 05:55:54 GMT

the cap 1 sony card is an "excellent" credit profile card offered by cap 1 that was aquired from chase like how the bbrzmc was aquired from hsbc those score you provided must be FAKOS and your FICO must be way higher because the info you provided doesnt make any sense....and AMEX zync is just not possible with a 607 EX FICO. do you have any baddies or are you new to the country there is somthing strange here

Re: Sony Capital One Card Approved

Anonymous — Sat, 12 May 2012 06:00:39 GMT

@beb86 wrote:
the cap 1 sony card is an "excellent" credit profile card offered by cap 1 that was aquired from chase like how the bbrzmc was aquired from hsbc those score you provided must be FAKOS and your FICO must be way higher because the info you provided doesnt make any sense....and AMEX zync is just not possible with a 607 EX FICO. do you have any baddies or are you new to the country there is somthing strange here

I have no reason to lie about this. I have enough denial letters from other credit card companies to know my scores. My recent score thru Wal Mart TU 603, I have some denials that show EXPERIAN 598. You can't always go of what is posted, sometimes you have to try something. I am a living proof that I was approved with those scores.

Re: Sony Capital One Card Approved

Anonymous — Sat, 12 May 2012 06:01:49 GMT

Credit started around 2005, I am 25 I don't think thats new and my baddies are 2 charge offs one with cap one and one with HSBC from 2006 along with a SPRING collection.

Re: Sony Capital One Card Approved

beb86 — Sat, 12 May 2012 06:04:18 GMT

@Anonymous wrote:
Credit started around 2005, I am 25 I don't think thats new and my baddies are 2 charge offs one with cap one and one with HSBC from 2006 along with a SPRING collection.

well congrats and treat those cards VERY WELL and you should see a moderate increase in your scores and limits

Re: Sony Capital One Card Approved

beb86 — Sat, 12 May 2012 06:06:21 GMT

I burned amex a few years ago and just got back in good graces so you better believe I treat that card very well now

Re: Sony Capital One Card Approved

Anonymous — Sat, 12 May 2012 06:07:43 GMT

You are lucky, I read that they black list if you burn them. I am glad that while back I stopped using the card and eventually they closed it, which im sure is the reason why they gave me a chance again even though my scores are lower

Re: Sony Capital One Card Approved

beb86 — Sat, 12 May 2012 06:11:29 GMT

@Anonymous wrote:
You are lucky, I read that they black list if you burn them. I am glad that while back I stopped using the card and eventually they closed it, which im sure is the reason why they gave me a chance again even though my scores are lower

I paid them back in full you can read about it here

http://ficoforums.myfico.com/t5/Credit-Cards/Amex-Optima-Oasis-program/m-p/1193077/highlight/true#M334172

Re: Sony Capital One Card Approved

tcbofade — Sat, 12 May 2012 12:57:20 GMT

@beb86 wrote:
the cap 1 sony card is an "excellent" credit profile card offered by cap 1 that was aquired from chase like how the bbrzmc was aquired from hsbc those score you provided must be FAKOS and your FICO must be way higher because the info you provided doesnt make any sense....and AMEX zync is just not possible with a 607 EX FICO. do you have any baddies or are you new to the country there is somthing strange here

While I'm nowhere near Zync credit worthy, I, too, just opened a Cap One Sony card...really, just to get around the two cap one card rule...Sony is listed as a cobranded card...says "excellent credit" required, but if you read what cap one defines as "excellent credit", I qualify...

With 623, 636, and 624 Fico scores...

Re: Sony Capital One Card Approved

Anonymous — Sat, 12 May 2012 18:36:18 GMT

@tcbofade wrote:
@beb86 wrote:
the cap 1 sony card is an "excellent" credit profile card offered by cap 1 that was aquired from chase like how the bbrzmc was aquired from hsbc those score you provided must be FAKOS and your FICO must be way higher because the info you provided doesnt make any sense....and AMEX zync is just not possible with a 607 EX FICO. do you have any baddies or are you new to the country there is somthing strange here
While I'm nowhere near Zync credit worthy, I, too, just opened a Cap One Sony card...really, just to get around the two cap one card rule...Sony is listed as a cobranded card...says "excellent credit" required, but if you read what cap one defines as "excellent credit", I qualify...

With 623, 636, and 624 Fico scores...

I would try ZYNC card if I were you, I got my ZYNC before SONY with a little bit lower scores. It's their easiest card to get.

Re: Sony Capital One Card Approved

Anonymous — Sat, 12 May 2012 23:43:26 GMT

i have one SC with cap one for 650

one plat CC for 500

AU on one plat for 1000

apped yesterday and approves for sony card for 500

i have a charge off in 08 with cap one for 1200 PIF

i am low sixs on TU and EQ according to Fico

lender pull for ex was 630s

Re: Sony Capital One Card Approved

Anonymous — Sat, 12 May 2012 23:56:24 GMT

@Anonymous wrote:
i have one SC with cap one for 650
one plat CC for 500
AU on one plat for 1000

apped yesterday and approves for sony card for 500

i have a charge off in 08 with cap one for 1200 PIF

i am low sixs on TU and EQ according to Fico
lender pull for ex was 630s

Congrats, Sony seems like a great card. I'm going to apply for cash back rewards card soon as 45 days hit.

Re: Sony Capital One Card Approved

tcbofade — Wed, 16 May 2012 01:53:58 GMT

@Anonymous wrote:
@tcbofade wrote:
@beb86 wrote:
the cap 1 sony card is an "excellent" credit profile card offered by cap 1 that was aquired from chase like how the bbrzmc was aquired from hsbc those score you provided must be FAKOS and your FICO must be way higher because the info you provided doesnt make any sense....and AMEX zync is just not possible with a 607 EX FICO. do you have any baddies or are you new to the country there is somthing strange here
While I'm nowhere near Zync credit worthy, I, too, just opened a Cap One Sony card...really, just to get around the two cap one card rule...Sony is listed as a cobranded card...says "excellent credit" required, but if you read what cap one defines as "excellent credit", I qualify...

With 623, 636, and 624 Fico scores...
I would try ZYNC card if I were you, I got my ZYNC before SONY with a little bit lower scores. It's their easiest card to get.

Eh. To be perfectly honest, I'm just not all that interested in a charge card right now.

DW and I are still digging out from very high utilization...while I AM very interested in zero percent bt offers, another account to manage without the benefit of being able to carry a balance seems to be more hassle than it would be worth for us...

thanks tho!

Re: Sony Capital One Card Approved

Anonymous — Wed, 16 May 2012 02:00:49 GMT

Just as a heads up, a couple days after your first statement posts you may get a document online too about a "credit steps" program to increase the credit limit.

I was a bit disappointed in mine, my other cap one credit steps up to $1500, but, this one only goes from $500 to $750. Oh well, I've only been using it for movie rentals on playstation and quick service food since those are 10x points and 3x points respectively. I guess realistically I don't need that large of a credit limit for what I intend to use it for, movies and dunkin donuts. lol

Re: Sony Capital One Card Approved

tcbofade — Wed, 16 May 2012 02:07:23 GMT

Mostly, I'm interested in the zero percent til March.

Re: Sony Capital One Card Approved

injustifiiable — Wed, 16 May 2012 04:45:06 GMT

According to their application on the web, that card has a starting limit of $300...so I wouldn't go as far as saying that this card is for those with "Excellent Credit" only.

Also of note, CapOne other partner cards (Like Playstation, Orbitz, MTV, etc) have two versions, one for Average credit (basically capped at $3000) and Excellent Credit ($3000 - $20,000). The SonyCard isn't structured as such.

Re: Sony Capital One Card Approved

Anonymous — Wed, 16 May 2012 06:08:04 GMT

@Anonymous wrote:
Congrats, Sony seems like a great card. I'm going to apply for cash back rewards card soon as 45 days hit.

Why not go for a Bank of Americard Cash rewards and get up to 3% cash back, plus a sign up bonus of $50 back after $100 spent...it a we better card and your chances of starting with a reasonable limit are much higher than that of receiving a high limit on the Capital One card.

Assuming you apply for the Cash Rewards card for "Average Credit" you will have to spend $3.900 just to make up the annual fee. And won't really start receiving cash back until that mark.

I guess it all depends how much you will run through the card.

Re: Sony Capital One Card Approved

Tommy5746 — Wed, 16 May 2012 13:13:01 GMT

@Anonymous wrote:
Low 600's everyone says typically excellent credit requirement, but my buddy and I got approved the same day we have similar credit profile...not only that it was second Cap One card, glitch in the system and I should consider myself lucky?

I saw this thread and i really wanted a VISA credit card as all of mine are currently mastercard.. So, i just went to capital ones website, found the sony card, apped and to my amazing shock i got the "Congratulations! You're approved!" message! My Credit score is currently 629 and i was given a credit limit of 500.00. needless to say, im a VERY happy camper today! BOOYA!