Capital One Advice....

[Anonymous]

I just check Citi and Bank of America..... no offers for Citi but Bank Of America Cash Rewards was the first offer they had for me followed by  Travel Rewards and Better Balance Rewards....... do you think I'll have a chance with BOA? and who do they pull?

[Anonymous]

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@Anonymous wrote:

I just check Citi and Bank of America..... no offers for Citi but Bank Of America Cash Rewards was the first offer they had for me followed by  Travel Rewards and Better Balance Rewards....... do you think I'll have a chance with BOA? and who do they pull?

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The BOA'sprequalifier isn't very reliable. Did it have a set APR (i.e. 14.24%) or was it a range of APRs (i.e. 13% - 21%)? If it's a set APR, that's better, if it's a range then it's just marketing.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

I just check Citi and Bank of America..... no offers for Citi but Bank Of America Cash Rewards was the first offer they had for me followed by  Travel Rewards and Better Balance Rewards....... do you think I'll have a chance with BOA? and who do they pull?

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The BOA'sprequalifier isn't very reliable. Did it have a set APR (i.e. 14.24%) or was it a range of APRs (i.e. 13% - 21%)? If it's a set APR, that's better, if it's a range then it's just marketing.

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0% introductory APR on purchases and qualifying transfers for 12 billing cycles, after that 13.24-23.24% variable APR on the cash rewards card.....

[Anonymous]

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@Anonymous wrote:

0% introductory APR on purchases and qualifying transfers for 12 billing cycles, after that 13.24-23.24% variable APR on the cash rewards card.....

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Ya, the " 13.24-23.24% variable APR" is a range. Doesn't mean you wouldn't get approved if you tried, but that's not a true prequal--just marketing. If you still have most of the cards in your sig, then you should be able to qualify for the card you want. Do you have any baddies on your credit report? How many inquires and new accounts in the last year?

[Anonymous]

Edit: it double posted my reply

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

0% introductory APR on purchases and qualifying transfers for 12 billing cycles, after that 13.24-23.24% variable APR on the cash rewards card.....

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Ya, the " 13.24-23.24% variable APR" is a range. Doesn't mean you wouldn't get approved if you tried, but that's not a true prequal--just marketing. If you still have most of the cards in your sig, then you should be able to qualify for the card you want. Do you have any baddies on your credit report? How many inquires and new accounts in the last year?

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All of my accounts are fairly new...... a few 7 months ago and a few within the last 3 months..... my oldest cards are the credit one and capp one......

Inquiries TU9 EX7 EQ7

[Anonymous]

Well, if you're getting ready to garden anyway, then another inquiry (or 3) won't kill you. Why not just try for the card you really want? If you like Cap 1 (I love them) then try for a Quicksilver or Venture (whichever one suits you better). There have been reports of people getting approved without a prequal, so I guess you never know. But they will do a HP on each bureau - so 3 INQs total. BOA pulled EX for me, but it depends on where you live (google "credit pulls database"). 

[Anonymous]

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@Anonymous wrote:

Well, if you're getting ready to garden anyway, then another inquiry (or 3) won't kill you. Why not just try for the card you really want? If you like Cap 1 (I love them) then try for a Quicksilver or Venture (whichever one suits you better). There have been reports of people getting approved without a prequal, so I guess you never know. But they will do a HP on each bureau - so 3 INQs total. BOA pulled EX for me, but it depends on where you live (google "credit pulls database"). 

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I went ahead and applied for the QS1 and got a 7-10 mssg...... not sure what to do now

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

Well, if you're getting ready to garden anyway, then another inquiry (or 3) won't kill you. Why not just try for the card you really want? If you like Cap 1 (I love them) then try for a Quicksilver or Venture (whichever one suits you better). There have been reports of people getting approved without a prequal, so I guess you never know. But they will do a HP on each bureau - so 3 INQs total. BOA pulled EX for me, but it depends on where you live (google "credit pulls database"). 

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I went ahead and applied for the QS1 and got a 7-10 mssg...... not sure what to do now

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That's what I was afraid of  It's possible it could be for verification or manual review. When I got my first Cap1 card I got that message, and then like a 2 weeks later I was approved. So there is hope, but most who get that message are denied. Maybe it's time to garden.

[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

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@Anonymous wrote:

Well, if you're getting ready to garden anyway, then another inquiry (or 3) won't kill you. Why not just try for the card you really want? If you like Cap 1 (I love them) then try for a Quicksilver or Venture (whichever one suits you better). There have been reports of people getting approved without a prequal, so I guess you never know. But they will do a HP on each bureau - so 3 INQs total. BOA pulled EX for me, but it depends on where you live (google "credit pulls database"). 

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I went ahead and applied for the QS1 and got a 7-10 mssg...... not sure what to do now

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That's what I was afraid of  It's possible it could be for verification or manual review. When I got my first Cap1 card I got that message, and then like a 2 weeks later I was approved. So there is hope, but most who get that message are denied. Maybe it's time to garden.

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That's crazy bcus I just got approved for the Stash Visa today for 5k...... but if they don't approve me that's fine.... I will never apply for them again