Is Capital One lying to me about the regular QuickSilver card?

[CreditCuriosity]

I would say you would be approved.. Cap1 isn't the toughest lender and being very generous lately.  Only way to know is apply..  Best of luck!

[Santi78342]

Just go ahead and apply already so a mod can move this to the approvals!

[Anonymous]

I will apply shortly! One last question for you guys....Will 8 accounts pretty new hurt me? Again AAoA is 4 months with oldest account 8 months and 5 percent total util 

[Santi78342]

Yes, 8 new accounts in the past 8 months hurts you more than having no new accounts :-P But you can't build a nice thick file without new accounts! 

Since 09/2014 I have opened up AT LEAST 10 new accounts, and I've still been approved for great cards like my newest account on 04/15/2015, the Chase Sapphire Preferred!

In other words, you'll be fine. I would be more worried about getting a $5k approval instead of $10k or greater approval if I were you!

[Anonymous]

One thing about the Cap One prequal is the "How do you rate your credit level?" question matters.   Based on FICO my scores are fair, but by Cap One's classifications I meet all 3.  If I pick excellent I get the Venture and QS Siggy, if i pick average or rebuilding I get the plantinum and QS1.

[Anonymous]

Go for it!

[gdale6]

The regular QS is an Excellent Credit card, Here is Cap-1s definition of Excellent Credit.

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year. 

• - AND -
• I have had a loan or credit card for 3 years or more with a credit limit above $5,000

[stagefoursurvivor]

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@gdale6 wrote:

The regular QS is an Excellent Credit card, Here is Cap-1s definition of Excellent Credit.

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year. 

• - AND -
• I have had a loan or credit card for 3 years or more with a credit limit above $5,000

---

Interesting

[Santi78342]

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@stagefoursurvivor wrote:

---

@gdale6 wrote:

The regular QS is an Excellent Credit card, Here is Cap-1s definition of Excellent Credit.

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year. 

• - AND -
• I have had a loan or credit card for 3 years or more with a credit limit above $5,000

---

Interesting

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I haven't had a $5k card for more than a year and I was approved for the Venture.

[pizza1]

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@stagefoursurvivor wrote:

---

@gdale6 wrote:

The regular QS is an Excellent Credit card, Here is Cap-1s definition of Excellent Credit.

I have never declared bankruptcy or defaulted on a loan. I have not been more than 60 days late on any credit card, medical bill, or loan in the last year. 

• - AND -
• I have had a loan or credit card for 3 years or more with a credit limit above $5,000

---

Interesting

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interesting..scores mid 600's, BK on file from 2013 plus 22 IIB negs showing......got 2 Ventures, and 2 QS  but I did have NFCU $14k limit showing