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3rd Card W/ Cap One

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Established Contributor

3rd Card W/ Cap One

So back in July I tried cold apping the QuickSilver with Capital One. I already have two Cap One accounts. Both are upgraded cards. One QS1 as well as a Quicksilver. I wanted to try apping for a new card in hopes to get a non bucketed card. I was checking my reports today and noticed Cap One only pulled 1 CBR which was EQ..

Has this happened to anyone else? I am wondering why they only pulled EQ as they normally pull all 3? Hmmm someone help me figure this one out. My CRS are not frozen.
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA:


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% April 20': First Citi CC W/ 15% APR rate Total CL:$21,400
Message 1 of 8
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Community Leader
Mega Contributor

Re: 3rd Card W/ Cap One

I guess it can happen. My advice, with your current scores, dont try to get a "unbucketed" card right now. Youll find yourself in same place. Wait til your scores are high to get a card with better chance and high sl. Its just not worth taking a risk of 3 hps for another cc imho where as if you needed another cc, another lender might be had at 1 hp. Youll get there, dont settleSmiley Wink
Message 2 of 8
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Established Contributor

Re: 3rd Card W/ Cap One

Thank you! It was definitely odd seeing that on my CRS. I am over Cap One. I am thankful but I do not want anymore of their products. Especially now that they took away the account combination feature. For now I need them for UTL% lol

Im still waiting for NFCU.. down to 66% UTL. 28.9% is coming soon 🌊 NFCU is the goal 🥅
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA:


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% April 20': First Citi CC W/ 15% APR rate Total CL:$21,400
Message 3 of 8
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Community Leader
Super Contributor

Re: 3rd Card W/ Cap One


@CivalV wrote:
Thank you! It was definitely odd seeing that on my CRS. I am over Cap One. I am thankful but I do not want anymore of their products. Especially now that they took away the account combination feature. For now I need them for UTL% lol

Im still waiting for NFCU.. down to 66% UTL. 28.9% is coming soon 🌊 NFCU is the goal 🥅

They took away the account combination?







Message 4 of 8
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Established Contributor

Re: 3rd Card W/ Cap One

Yep! Its no longer an option for everyone who so far has checked their accounts. I checked mine and its gone 😢

I planned to combine the two accounts. Hopefully they bring it back soon.
Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA:


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% April 20': First Citi CC W/ 15% APR rate Total CL:$21,400
Message 5 of 8
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Community Leader
Mega Contributor

Re: 3rd Card W/ Cap One

Navy is a great goal. Maybe even check out US Bank. I would go for them if i was able to apply. Thankfully i cant apply for any Cap One cards, not a fan of all the hoops anywaySmiley Wink
Message 6 of 8
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Established Contributor

Re: 3rd Card W/ Cap One


@AverageJoesCredit wrote:
Navy is a great goal. Maybe even check out US Bank. I would go for them if i was able to apply. Thankfully i cant apply for any Cap One cards, not a fan of all the hoops anywaySmiley Wink

I’ve considered US Bank but where should my scores be when I decide to pull the trigger? 

Sept 18: EQ: 578 TU: 583 EX: 576
Sept 19: EQ8: 640 TU8: 645 EX8:640 April 20': EQ8: ??? TU8: 680 EX8: 673
Goal by Sept 20’ EQ: 700 TU: 700 EX:700

AA:


Goal: Auto Lease 2020 Jeep MOAB
Goal: Chase Sapphire Preferred
Goals Achieved Nov 19’: First Chase CC, Marriott Bonvoy w/ lowest APR rate of 17% April 20': First Citi CC W/ 15% APR rate Total CL:$21,400
Message 7 of 8
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Super Contributor

Re: 3rd Card W/ Cap One


@CivalV wrote:

@AverageJoesCredit wrote:
Navy is a great goal. Maybe even check out US Bank. I would go for them if i was able to apply. Thankfully i cant apply for any Cap One cards, not a fan of all the hoops anywaySmiley Wink

I’ve considered US Bank but where should my scores be when I decide to pull the trigger? 


Closer to 700 if you don’t want a $500-$1000 limit for a year. 



Message 8 of 8
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