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@Anonymous wrote:
Hello,
I apologize ahead of time for any posting mistakes since I'm new to the forum.
My question is:
I applied and was approved for the Cap1 Quicksilver card. I tried to apply for the Cap1 Platinum but got an email stating they could not fulfill my request because I already have a Cap1 card. I've seen other people on the forums who have both cards. What am I missing? Is it possible to have both and if so what am I doing wrong?
Scores are in the 580s and 607
Usually have to wait six months between applying for Capital one cards.
You can have a total of 5 capital one cards of which 2 can be starter cards but you can only get a CLI or open a new card every 6 months.
So 6 months needs to elapse between new accounts or CLI increases on the same card.
DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!
The only time Capital One may approve more than 1 new card in less than 6 months is a rare situation where someone first gets a Platinum Secured card and then gets a QS1 soon after.
Capital One's site usually denies this but I've seen it a half dozen times in 2017. I got my Platinum Secured in May 2017 but got my QS1 in August 2017 (3 months after Platinum Secured), so I fit in this rare group.
Regular Platinum means you are blocked from a new card for 6 months -- not sure if it's the day of the month that matters, or just the month number.
Since I was approved for my last unsecured Capital One card on August 7, 2017, I shouldn't be able to apply for a new card until February 2018 -- maybe February 1, maybe February 7. I am in the garden so I won't be applying for any, but I'm hoping my Platinum graduates in April so I can combine both accounts into one bigger credit limit.