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I have to disagree with you. This is from my credit karma acocunt and my age of acocunts is 8 years. Depsite filing bankruptcy it's 6 years and I got the Quick Silver Signature visa with a limit of $6,000 six months after BK when my credit score was 701, and 6 months later it was increased to $10,000 and now my score is 731. I beleive the that most of people complaining about Capital One average age of acocunts isn't that high compare to mine.
I don't know because I'm not going to pay for it and it's Vantage has been a good indicator for my past and present. Everything is going according to the master plan which is why I have nothing bad to say about Capital One, because my gut tells me if all goes well my quick silver will go from 10k to 15k or 20k over the next year.
You best not be messing with my buddy Cap over here! Cap1 gave a lot of us here a chance after credit hardships or just starting our build. We know they heavily bucket cards. Its how they do business, nothing wrong with it. They just want you to app for another card.
Cap1 is an early game and late game lender. If you have bad or no credit, they are likely gonna be your first go to. Likewise, if you have amazing credit and have a variety of cards, they are gonna be the people who finish off your wallet with a sizable Venture or Savor.
It seems to me unreasonable to expect to have a reasonable conversation about credit card approvals without referencing the scoring system the credit card lenders use. Especially when those scores are easily, and inexpensively ($1), acquired.
Put another way: vantage schamntage.
Lol I'm not the one complaining about the stellar services Capital One provided You have other people on this threads making post such as "How can a post who just got out of bankruptcy get a $6,000 to $10,000 credit line when I've been with Capital One for 20 years and stuck with a $500 limit". The answer is you simply don't understand how the credit scoring system works, and your profile doesn't meet their requirements plain and simple. Regardless of whether I'm referencing Vanatage or FICO you shouldbe able to use your Vantage score to make a valid comparison.
@Shooting-For-800 wrote:
@Anonymous wrote:This thread is a good example on how someone with a BK within 6 months got a $6k CL with Cap 1 https://ficoforums.myfico.com/t5/Credit-Card-Approvals/Capital-One-Quick-Silver-6-000-Credit-Line-6-months-after/m-p/5614952#M601790
Thats why they are garbage, good for that person getting that CL but Cap1 is useless to others
Strong statement that could not be more wrong.
My buddy just got a $30k venture and a $30k savor and he never had a BK and has good credit.
I am sure his $60k of limits for 2% and 4% rewards will serve him just fine.
I am stating consumers with BKs and other issues seem to get better CL and CLI than those with bad credit and no BKs, good for your buddy but your comparing apples to oranges....