Cap One Application wait time

IssacFair · ‎09-17-2019

I'm wondering what is the wait time between capital one applications. I currently dont have a cap one card, and applied a couple weeks ago but was denied due to previous delinquency. The balance was paid off and updated on my credit reports. So, do I have to wait the 6 month time frame?

Anonymous · ‎09-17-2019

You are free to test the waters of the Triple Credit Bureau Smackdown as frequently and often as you wish, however highly ill-advised Depending on the timeframe since referenced Baddie and without knowing other DPs you may just want to wait the standard hiatus between apps. You can always do a SP PreQual on their site if youre feeling froggy after 3 months but I wouldnt even waste the pulls any sooner than that.

Anonymous · ‎09-18-2019

Honestly, I don't think another triple HP is worth it so soon for a Cap1 card. Try a lender that only pulls one bureau just to minimize the hit and inquiries on your credit.

ZackAttack · ‎09-18-2019

What specific card are you trying to get from Cap 1?

Loans
Ford Credit Car Loan 2-year 6/22/2023 ($299/month)
Closed
Michigan Schools & Gov't CU Titanium 1/4/2019 - 10/2/2020
Ford Credit Car Loan 3-year 7/31/2018-6/6/2021
$1,500 Discover Card 10/2/2020 - 8/18/2021
$3,500 Citi DC 10/14/2020 - 12/11/2021
$8,000 DCU Personal Loan 5-year 5.99% 10/2/2020 - 4/30/2021
$8,000 NFCU CashRewards 1/2/2021 - 7/30/2022
$5,000 MSGCU Personal Loan 3-year 7.75% 4/22/2022 - 10/30/2022
Ford Credit Car Loan 2-year 6/7/2021 - 6/22/2023

Jannelo · ‎09-18-2019

I had two delinquencies with them, both charged-off from 2016, and they approved me for a card. If I were you, I would just keep hitting the prequal button until you are pre-approved for a card.

Open Credit Cards:
Green Dot Primor Secured (5/18) - $450 CL (CLOSED 2/2020)
Capital One Platinum (8/18) PC to Quicksilver (9/19) - $3800 CL
Capital One QuicksilverOne (3/19) - $4800 CL
Merrick Bank DYL VISA - No AF (6/19) - $1400 CL
Discover it Cash Back (9/19) - $2800 CL
Amazon Prime Store Card (4/20) - $10,000 CL
NFCU cashRewards (4/20) - $4500 CL
BB&T Spectrum Cash Rewards (5/20) - $3500 CL
Navy Federal More Rewards American Express® Card (3/21) - $9700 SL - at 9.65 %.
Experian FICO Score - 8/2018: 528

Experian FICO 8 Score - 9/2022 - 720
Equifax FICO 8 score 2/2022- 692
TransUnion FICO 8 score 10/2022 - 728
Experian FICO Mortgage Score - 725