Around summer I kept getting CAP 1 prequalifications for their Quicksulver cards back to back and I kept ignoring it because I knew my credit wasn't good. However, in November (the 6th to be exact) I decided to apply and to my suprise I was approved for 3K. Feeling excited and creditworthiness again, I applied for a SakFirst store card via CAP1 on the same day and was denied. Also, I bought a car (unplanned) in September because the other one I had died and my interest rate is 12.95%.
Anyway shortly after that CAP1 account was opened, I received another CAP1 prequalification for their Quciksilver card again. My question is, should I apply in hopes of getting approved? I want to boost my CL before I start gardening. As of today, my credit karma score from TU is 581, however last week my FICO score via TU which appreared on my closed Discover statement is 611, went up 16 points points from November which was 595. I have some baddies and horrible late payment history (but I was approved for the card, so I assumed it wasn't a factor). Also when I check their pre-qual website, they do not have any offers for me. However, I have the one I received in the mail. I also have a CAP1 platinum MC with a $500 and it has been that way for a very long time. I recently asked for a CLI and was denied. I did not get a letter so I am not sure why. They claimed it was a SP so T took the chance since wit wasn't going to effect my score.
Should I pull the trigger or not? The prequalification expires 1-6-2015.
THANKS and HAPPY HOLIDAYS!!
LOL thanks.
I am very new to this so forgave me if i seem clueless (I am) 
@Te3030 wrote:Wow, you have baddies & still got a $3k card? I have no baddies and all I get is $300 Cap1.
If if they sent you a pre approval, apply & see what happens.
Yes...I was very suprised. I wasn't getting that intiattly when my score was over 700 and no baddies. I really thought I'd get approved for like $300 if any LOL. I have baddies (3/4 collections and 38 late payments to be exact), low inquirues, longevity.
Ok, so do I try a recon for the CLI on my CAP1 Plaitnum MC, %500 CL? I have learned to live the cash life but I really want to build my credit again, I need a house in 2015. I have been working on getting the baddies removed. Thinking of trying the GW method to get the late payments removed. The only other card I have is with Merrick Bank and was just given (early December) a CLI from $750 to $950 after years of having that card (that was a pleasant suprise as well, I didn't ask for it).
Thanks for your advice!!
@Anonymous wrote:
I really wouldnt. Chances are youll get it but it will be a Credit(Redheaded)Step(Child) version of it. You already have the good version of it.
@Anonymous wrote:
Contact EO for CLI on your old MC.
I'm sorry, but what is EO and how do I contcat?? LOL duh Executive office right? But how do I get them? THANKS