@Anonymous wrote:
@Anonymous wrote:
Here is my scenario. I have Capital One secured card that I have paid on time for 24 months. Through this forum I feel I may have had this card a little to long, but it did its job.
Currently: EXP: 612 TU: 637 EQ: 672
I have used prequal site and it shows QS1 and Platinum. I was wondering, if apply for QS will they rebuttal with QS1 if not approved? Would it be recommended to apply for platinum at this time as well?
I appreciate any input.If you apply for QS and are not approved, they will not counter with a different product.
You need to put yourself in a position they say "we gotta have him, there's no way i would decline his QS application". As of right now, you have no unsecured revolving credit and your credit scores are a bit low. I don't think you will get approved for their premier cash rewards card. It's all about odds and IMHO currently the odds are against you with qualifying for QS and it's not worth risking three hard pulls. (Just trying to be constructive)
I would recommend to apply for the Platinum now and put all your spending on it while making multiple payments monthly if you get close to your CL, skip QS1, and hold off for QS until after you have established your unsecured revolving credit for 6 months or your score reaches 700 whichever comes first.
@Anonymous wrote:
@Anonymous wrote:
Here is my scenario. I have Capital One secured card that I have paid on time for 24 months. Through this forum I feel I may have had this card a little to long, but it did its job.
Currently: EXP: 612 TU: 637 EQ: 672
I have used prequal site and it shows QS1 and Platinum. I was wondering, if apply for QS will they rebuttal with QS1 if not approved? Would it be recommended to apply for platinum at this time as well?
I appreciate any input.If you apply for QS and are not approved, they will not counter with a different product.
You need to put yourself in a position they say "we gotta have him, there's no way i would decline his QS application". As of right now, you have no unsecured revolving credit and your credit scores are a bit low. I don't think you will get approved for their premier cash rewards card. It's all about odds and IMHO currently the odds are against you with qualifying for QS and it's not worth risking three hard pulls. (Just trying to be constructive)
I would recommend to apply for the Platinum now and put all your spending on it while making multiple payments monthly if you get close to your CL, skip QS1, and hold off for QS until after you have established your unsecured revolving credit for 6 months or your score reaches 700 whichever comes first.
I believe OP has all unsecured credit cards except for CO I think you read that wrong. I would definitely recommend the QS1 over the Platinum simply for the rewards. With the Platinum you get nothing.
