Cap 1 Strategy

[Anonymous]

I was preapproved for the Quick Silver at the top of the page, next was the venture and lastly was the Platinum Prestige.  When I apply I plan to apply for the quicksilver 1st as its my top offer and seems to be a little easier to get then the Venture. If approved I will apply for the venture next if denied should I apply for the Platinum Prestige next instead?  I think it's a little easier to get.  

Also plan to apply for a discover it the most basic one. Should I apply for that 1st? So they do not see the Cap 1 pulls? 

[Anonymous]

Welcome to MYFICO... Before we get started, what are your scores and how does your credit profile look like?  Disocver usually pulls EQ and I will do it first before doing the CAP 1 cards if I were in your shoes.

The reason being, CAP 1 pulls all 3 bureaus so Discover and then Quicksilver and Venture minutes apart so that they use the same pull.  If declined for the Venture, hold of on the platinum.  Do you really need it?

[Anonymous]

Official Fico Score 8's from this site... Eq 654, Tu 669 and Exp. 691.   Thin file. Always paid in cash. Oldest Account 11 years. Student loan. Journey Card opened in January, Finger Hut opened in Feb.                              Montage Agent wants me to can Finger hut and get some "Real" credit ASAP. His words. 

[Anonymous]

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@Anonymous wrote:

Welcome to MYFICO... Before we get started, what are your scores and how does your credit profile look like?  Disocver usually pulls EQ and I will do it first before doing the CAP 1 cards if I were in your shoes.

The reason being, CAP 1 pulls all 3 bureaus so Discover and then Quicksilver and Venture minutes apart so that they use the same pull.  If declined for the Venture, hold of on the platinum.  Do you really need it?

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Yes, true.  I'm stuck right now with the Platinum Prestige and QS.  Have 2 Ventures.  And want to get those other two into a QSWEMC.  I won't try until Dec.  But it's easier to wait and app for what you really want. 

[Anonymous]

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@Anonymous wrote:

Official Fico Score 8's from this site... Eq 654, Tu 669 and Exp. 691.   Thin file. Always paid in cash. Oldest Account 11 years. Student loan. Journey Card opened in January, Finger Hut opened in Feb.                              Montage Agent wants me to can Finger hut and get some "Real" credit ASAP. His words. 

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Ok... Do this..

1) Discover

2) Chase Freedom to get the free $200 after $500 spend and it is a cash back card

3) Quicksilver and Venture minutes apart and then cool of on the app.

Forget the CAP 1 platinum. Report back with results if you do apply...

[Anonymous]

I like how you think!  No one mentioned Freedom! 

[Anonymous]

Great thanks, I will be applying this week. I work midnights but get a 3 day weekend this week. I'm waiting until I'm up early enough in the day to recon right away if needed. Unless I should wait to  recon.

O and forgot no baddies on my report at all. 

[Anonymous]

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@Anonymous wrote:

Great thanks, I will be applying this week. I work midnights but get a 3 day weekend this week. I'm waiting until I'm up early enough in the day to recon right away if needed. Unless I should wait to  recon.

O and forgot no baddies on my report at all. 

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This is what we are here for.. To plan to help you get approved.  The recon hours are 8am-10pm.  Keep that in mind also...  Look forward to seeing results.

[Anonymous]

Figured I would post a little update.

I have not apped yet, I was waiting for this billing cycle to be over. It's over today and will post in the next few days. Once it posts I will be rolling the dice and apping. I wanted to wait to get a little more age with my current credit line and also I have been messing with what I let report to see where it takes my scores. In the last 5 months, I've let 25% report, 15%, 3%, 7% and this month 2%.    Also I've been with capital once since so I',m waiting to see if I get out of credit steps this month or if I have to wait till next. Offical 6 month mark is July 16th. 

I've checked pre app sites again tonight, I get the Quick Silver Rewards 17.9% APR next march, Venture Rewards 17.9% APR Now, Platinum Prestige 15.9 APR next Spet., Chase Freedom, Amex Green, Gold and Gold Rewards, Noting from Citi or BoA.  Also got the Sportsman's Guide pop up. When I was shopping. Did'nt try Discover since everyone says the pre app is crap. 

I'll report back late this week when I app.  Can you tell I'm getting the itch to app. 

[GetMeSlick]

Good luck OP.