topic Re: Capital One!!! in Credit Cards

Capital One!!!

solid07 — Tue, 29 Jan 2008 23:51:56 GMT

Over the weekend I applied online for a regular platinum and they called me today to verify info, does that mean Im approved!!!

Re: Capital One!!!

orl2185 — Wed, 30 Jan 2008 00:03:18 GMT

solid07 wrote:
Over the weekend I applied online for a regular platinum and they called me today to verify info, does that mean Im approved!!!

YES!!!!! Congrats there Expect a reply in a few days, or call them up and check app status

Re: Capital One!!!

haulingthescoreup — Wed, 30 Jan 2008 00:09:00 GMT

Congrats, solid, glad to hear it!

I know that since you don't live under a rock, you'll hear plenty of grumps about Cap1, but I'm glad for you. It's another step along the way.

OK, all you Cap1 non-fans, be nice! seriously.

Re: Capital One!!!

Anonymous — Wed, 30 Jan 2008 00:17:42 GMT

Super congrats solid!

Treat that card well, and it will treat YOU well.

Re: Capital One!!!

orl2185 — Wed, 30 Jan 2008 00:19:56 GMT

haulingthescoreup wrote:
Congrats, solid, glad to hear it!

I know that since you don't live under a rock, you'll hear plenty of grumps about Cap1, but I'm glad for you. It's another step along the way.

OK, all you Cap1 non-fans, be nice! seriously.

LOL,

Hey Mod, I've always wondered about that same issue. I really love cap 1 for their superb CS and kind CLI. They really good with the GW letters also, I've gotten 4 baddies removed thru the GW way. As for CLis, they honor them with no pulls whatsoever. Keep reading about the cap1 backdoor #, not even sure why so many folks calling them on that line.

Re: Capital One!!!

brendogg27 — Wed, 30 Jan 2008 01:04:19 GMT

Congrats on the Cap 1.

Re: Capital One!!!

solid07 — Wed, 30 Jan 2008 02:19:50 GMT

Thanks alot guys !!! I will keep you'all posted, I will let you'all know the CL later this week!!!

Re: Capital One!!!

Anonymous — Wed, 30 Jan 2008 02:51:24 GMT

Whoo Hooo! Useem an pay em off.... and keep the backdoor number in your wallet.

Re: Capital One!!!

Anonymous — Wed, 30 Jan 2008 14:07:05 GMT

I have one even better, keep it programmed into your cellphone, I do.

Congrats, I have had my 2 cards less than 6 months and have received 2 CLI's on one card and 1 on the other. I am not trying to screw up with Cap1.

Re: Capital One!!!

solid07 — Thu, 31 Jan 2008 00:21:45 GMT

how much do u charge on your capital 1 cc 10% 20% more in other words how do u use it so I would know how to use mine, to stay in their good graces!!!

Re: Capital One!!!

Anonymous — Thu, 31 Jan 2008 00:26:02 GMT

I would PIF with them if possible by the statement date. Especially if you are in their Credit Steps program. The key is to develop a payment pattern that will let the computer know that you can pay on time and that you can utilize the credit given to you responsibly. This will definitely get you CLI's with them. I have received 3 on two cards (2 on one and 1 on the other) with Cap1 and have not had each card 6 months yet

Re: Capital One!!!

solid07 — Thu, 31 Jan 2008 03:09:56 GMT

k thanks!!

Re: Capital One!!!

brendogg27 — Thu, 31 Jan 2008 03:17:53 GMT

What can u use the backdoor for? I used orchards for a CLI, but want to use CAP 1's backdoor to get a CLI. They only gave me $750, and I'd like at least 1K. I've had the card a week and haven't used it yet. Do you think they'd give it to me?

Re: Capital One!!!

Anonymous — Thu, 31 Jan 2008 14:09:11 GMT

Big possibility Brendogg since you havent used it yet...I say call em up..Good luck..

Re: Capital One!!!

solid07 — Fri, 01 Feb 2008 00:40:55 GMT

capital pulled my experian on the 27 and then they pulled it again on the 30th why is that!!!!

Re: Capital One!!!

haulingthescoreup — Fri, 01 Feb 2008 00:54:24 GMT

I would guess that the inq on the 27th was for the initial approval; don't know about the second one. You might want to call and ask them what it was for, and can it be re-coded to a soft inquiry.

Re: Capital One!!!

score_building — Fri, 01 Feb 2008 01:17:14 GMT

CONGRATULATIONS! so long as you pif w/ frequency i bet you'll be good w/ cap1 regardless of your bals. of course there are other reasons to watch your utilization. Not fer nuthun but i got a cap1 starter card w/ 500 limit and paid on time for 5 years and it REALLY opened doors for me and i'm so happy i got it even tho' in 5 years i only got 1 cli (from 400 to 500) and meanwhile i've been aprroved for several cards incl. a 10k amex- now i kinda wish i could just get rid of it altogether since they refuse to grow w/ my scores and at this point i'm guessing the low cl makes me look like i was a scary credit risk at one point but i am playing to win and it's my oldest cc tradeline so i can't afford not to let it continue age my tradlines.

Cheers to you!!

Re: Capital One!!!

Anonymous — Fri, 01 Feb 2008 01:32:14 GMT

Becareful with using the Cap1 Plat. I have one and it was supposed to help me rebuild my credit but they dont report my actual CL they only report my balance so it looks like I have it maxed out all the time and it dropped my score. After I noticed that I paid it off and didnt use it again. I did get a CLI after only about 5 months of having the card but it doesnt help me if they dont report my CL. Good luck with it though.

Re: Capital One!!!

Anonymous — Fri, 01 Feb 2008 02:00:31 GMT

have you checked lately? they are now reporting credit limits. if they don't call them.

Re: Capital One!!!

Anonymous — Fri, 01 Feb 2008 03:04:14 GMT

No I havent checked lately but thank you for that heads up. I will be checking real soon. Thanks