Cap1 Weird Pre-Qual Change

[Anonymous]

Quick question. As of yesterday I was pre-qualified on the Cap1 website for a Quicksilver and Venture. 

I've been rebuilding my credit these two were on my radar.
Yesterday I apped for the Freedom from a mail pre-qual.. (which I got!) and the CSP (cold apped, no ans yet).. then I used a mail pre-qual for the Amex ED (which I got too!). I didn't app for anything else, and was waiting to see if the CSP app gets approved first before deciding to app for the Venture/QS.

I checked the pre-qual website for Cap1 today, and now I only see: 

I know these are SP's to check...  There's 2 new HP's total from Chase and Amex on my EX from yesterday's apps. My Fico8 on EX dropped from 702 to 695. (on CCT) My util on my reports shows 9%, currently I'm at 25% on my QS1 but will have it back down to 9% here shortly as I purchase and make several payments through the month. I am not however showing any other HP's as I have CK, CCT and MyFico going.

Any ideas for what could of caused this change? I have definitely learned a ton from you all and thank you so much in advance. I'm a little disappointed at not seeing my original 2 offers up there to say the least, but what do I know I'm still pretty new to this.

[Anonymous]

Also my QS1 $1500.00 hits the 6th statement this early March. I just had a LUV button increase 500 to 1500 this 5th statement, so we'll see what they give me at the end of the month.

Do I just keep checking daily? Call them up to see what may have changed? Not sure what to do at this point.

[SLO805]

I just checked my pre-qual again today, venture card is gone and its QS1 and Platinum as well

[Anonymous]

Whoa weird. Thanks so much for your input. I'm sitting here just feeling disappointed. Waiting for my CSP letter in the mail then I saw that today and feeling like I should of app'd yesterday to start aging those HP's.

Do you think it might be a system error/update? Has anything possibly changed in your reports?

[SLO805]

I had a/my last collection cleared off my TU. Would think it be better approval now lol.

[Anonymous]

Grats on your collection removal! This is so strange! Did you have a fico increase or change since your last prequalification check on Cap1s site?

I don't think my current balance on my QS1 can have anything to do with it... maybe the small drop on my EX.. but if you're having the same thing happen it's a weird coincidence. Did you have a prequal for the QS too like my image??

[Anonymous]

Would anyone else mind checking the prequal site and seeing what pulls up for them? Of course if it was recent and you had the venture /qs combo even better. Hoping it's some error on their end. Just checked mine and it's still pulling up the same offers.

[UncleB]

Having the offers come and go is a bit strange, but not unheard of.  There are also folks on here who applied for Venture and Quicksilver and got approved, so while having an offer on the pre-qual is reassuring it's by no means a requirement for approval. 

I agree, though, that it's a bit unusual for someone with your scores to be experiencing this.  The times I've read about it in the past was with folks with scores lower than yours.  With your lengthy AAoA and all three scores above 700 I would be really shocked if you were to be denied.

[UncleB]

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@Anonymous wrote:

Would anyone else mind checking the prequal site and seeing what pulls up for them? Of course if it was recent and you had the venture /qs combo even better. Hoping it's some error on their end. Just checked mine and it's still pulling up the same offers.

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I just checked my offers, and I'm getting the usual Venture/Quicksilver, both at 18.24%, and a Venture One at 17.24%, which is what I usually get. 

Hopefully once my last 'baddie' drops off they will show me a little 'luv' on that APR! 

[Anonymous]

Check your fico 4 and go for it. <3 GL