Cap 1 Strategy

[Anonymous]

Just an FYI. I apped for Capital One with an application minutes apart and they hit me with 2 hard pulls for each bureau. I believe it was because one was instantly approved and the other went into a review status. They ended up pulling reports on 2 separate days. Just giving you a heads up that you may get hit with more pulls than you expect.

[Anonymous]

That's the problem: no one can guarantee you won't end up with multiple HP's when you apply for multiple cards at the same time. While some will only see 1 HP, other's, like yourself and I, will see multiple. When I appd for two AMEX cards, they waited a week and pulled EX another time. While I wasn't happy, at least I was approved for both so the HP's were worth it to me.

[Anonymous]

Update 1. Discover asked me to fax them proof of my address and SS card or ID card. Will do this tonight from work, I do not have a fax machine at home.  2. Chase Freedom Approved for 2200 22.99 apr. Which sucks but I really just wanted to get in with them before I have to many pulls on my report.      3. Paid my current capital one in full today. Planning to app for the QS and venture as soon as discover get figured out in the next few days.

  4. Got a letter from Sportsman guide today asking why I didn't take the pop up credit card ad and asked me to reconsider so I might jump on that. 5. Also go pre approavls for Amex Green, Gold and Gold Rewards cards but I think I'll pass and wait and hopefully one day I can get a regular amex. Although the 50k miles the comes with the rewards card dose look good as I travel a lot.

[Anonymous]

Every thing is covered in the update below. 

[Anonymous]

I know where you're talking about.  The Discover call center is in quite an upscale town/neighborhood.  I don't live far from there.

[Anonymous]

When the lady found out I live in Hockessin she thought I was rich even though she could see my income. She was like O I wish I lived in that area. Little dose she know I lucked out and found a cheap house. 

[Anonymous]

Here is a link to the results.   Thanks so much for helping out everyone.

http://ficoforums.myfico.com/t5/Credit-Card-Approvals/Venture-QS-Freedom-and-It-approvals-thin-file-...

[SouthJamaica]

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@Anonymous wrote:

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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...

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Good plan