Capitol One 6 mos between applications

40thieves · ‎04-06-2021

does anyone know if this applies to their co-branded cards (like the WalMart card) as well?

dragontears · ‎04-06-2021

@40thieves wrote:
does anyone know if this applies to their co-branded cards (like the WalMart card) as well?

Last I heard it applied to them all.

blindambition · ‎04-06-2021

Yes, Any card issued by Capital One. Including Kohl's, Walmart, Saks, etc.

40thieves · ‎04-06-2021

Thanks so much guys. And for once, I can truly say..."asking for a friend".

RickNATL · ‎04-06-2021

Good to know @blindambition ...thx u

outofcredit · ‎04-06-2021

As a data point, my DD applied and was approved for the Walmart MC on 3/19/2021. She applied for the Spark business card on 4/6/2021 and was also approved. Either Capital One has changed their 6 month rule policy or she got lucky.

Instead of waiting for the storm to pass, I've learned to dance in the rain.

coldfusion · ‎04-07-2021

@outofcredit wrote:
As a data point, my DD applied and was approved for the Walmart MC on 3/19/2021. She applied for the Spark business card on 4/6/2021 and was also approved. Either Capital One has changed their 6 month rule policy or she got lucky.

...or Capital One has a different playbook they follow when business cards are involved, which would not be germaine to this discussion as business cards don't get discussed here.

(10/2025)
FICO 8 (EX) 838 (TU) 846 (EQ) 850
FICO 9 (EX) 850 (TU) 850 (EQ) 850

$1M+ club

Artist formerly known as the_old_curmudgeon who was formerly known as coldfusion

Shooting-For-800 · ‎04-07-2021

I find it odd that the 6 month rule would apply to store cards.

BTW, any 6 month rule in question should be for new accounts not applications.

Rebuild started in 2014 - $100k unsecured credit in 2017 - $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

angelofmusic86 · ‎04-07-2021

@blindambition wrote:
Yes, Any card issued by Capital One. Including Kohl's, Walmart, Saks, etc.

Maybe this applied to the MasterCard versions like the Walmart MC?

Because I got my Kohl's card in November and my Platinum (PC to QS in March) in December.

CH7 Filed 05.01.2020; Discharged 10.21.2020

10.22.2020 FICO8 Scores: EQ 615 TU 560 EX 581
06.28.2023 FICO8 Scores: EQ 663 TU 663 EX 661

Rebuild progress: CapitalOne Kohl's Visa $3,000; CapitalOne Quicksilver$0AF $9,600; CreditOne Rewards $700; CapitalOne Venture$0AF $6,000; PenFed PCR $9,600; Kemba Signature Visa $5,000; CreditOne$0AF AMEX $1,500; Target RedCard $500; Wells Fargo Autograph $1,500; Comenity Ultamate Rewards MC $4,900; CapitalOne Savor One $500; Amazon Store Card $5,000; Synchrony TJ Maxx Mastercard $5,000; Well's Fargo Reflect Visa $3,500; Citi AAdvantage MC $5,000
Gardening until absolutely necessary.

blindambition · ‎04-07-2021

@angelofmusic86 wrote:
@blindambition wrote:
Yes, Any card issued by Capital One. Including Kohl's, Walmart, Saks, etc.
Maybe this applied to the MasterCard versions like the Walmart MC?
Because I got my Kohl's card in November and my Platinum (PC to QS in March) in December.

Its quite possible a recent change. Core and store cards were considered for that rule in the past. Glad you were able to get both of yours.