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Cap1 UGH

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Anonymous
Not applicable

Re: Cap1 UGH


@Anonymous wrote:

I'm 99% sure that I cant get preapprovals. under 21


Have you tried the pre approval link?

Message 21 of 23
NRB525
Super Contributor

Re: Cap1 UGH


@Anonymous wrote:

@Anonymous wrote:

I'm 99% sure that I cant get preapprovals. under 21


Have you tried the pre approval link?


OP said twice, under 21. No preapproval link.

 

I think this is a situation that the regulators had in mind when they put limits on what under-21 people can go for.

 

OP: you are trying too hard. Just my $0.02. If you are under 21, you have plenty of time ahead. You got clear feedback on CapOne not to app for a while. If you want to try other cards, fine, but don't expect miracles from anyone. It takes time to build your file. Take that time.

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 22 of 23
chalupaman
Super Contributor

Re: Cap1 UGH

It's always good to think long term. Just because you can't get something now doesn't mean you won't be able to get it in the future. These things take a lot of time and patience but trust me, it will feel so rewarding later on. Just move on from CapOne if you can't get anything from them right now. You have a much thinner file than I do but already have all those nice cards. 

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 23 of 23
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