Stupid Cap 1 Pre Approval Question

[Dalmus]

So last month I combined my Platinum card into my QS1 card.  All is good in the world...

Today, Cap 1's pre qual site says "We think you'll enjoy this pre qualified offer..." and is offering me the Platinum and the QS1 again.

I know its potentiall a 3 bureau hard pull, but I'm not planning on buying a car or house in the next 2 years, so I'm not worried about the HP.

Do you think its worth going after one or the other, and then in 6 months, combine them again into another card?  The QS1 will likely have a better starting limit, even though it has an AF.  If I can get a 6 month CLI on it, then combine it with the existing QS1, that might be the best bet?

Or will they even give me a 2nd QS1?

[Anonymous]

The [We think you will enjoy] statement is not a pre-approval but rather a recommendation.  If I were in your shoes, I'd wait a bit before going for another card.

[Creditaddict]

NO, When you are pre-qual it will say "CONGRATS, we think you will like these:

don't apply until then!

[Scott_S]

Don't Appy Until It Says The Card We've Selected For You Is..........

[Creditaddict]

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@Scott_S wrote:

Don't Appy Until It Says The Card We've Selected For You Is..........

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no, it needs to have CONGRATULATIONS in the wording.

[UncleB]

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@Creditaddict wrote:

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@Scott_S wrote:

Don't Appy Until It Says The Card We've Selected For You Is..........

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no, it needs to have CONGRATULATIONS in the wording.

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+1

I believe "Congratulations" is the key... here's a picture of what to look for:

(Also note the specific APR)

[Anonymous]

Pull the trigger Uncle B  haha!!

Yeah you want to look for the Congradulations. That's when Cap One is basically handling you the card 

[UncleB]

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@Anonymous wrote:

Pull the trigger Uncle B  haha!!

Yeah you want to look for the Congratulations. That's when Cap One is basically handling you the card 

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LOL! 

If they ever decide to offer me a better APR, I actually plan to!  I have one remaining 'baddie' that should age off this summer; once that happens I plan to seriously start checking out their pre-qual offers. 

I also have an offer for a Venture at the same rate, and a Venture One for 1% less, so since they generally get more generous starting limits I'll probably stick with one of those two. 

A year or so ago there was always a pre-qual for a no-frills 'Platinum' MasterCard at an even lower APR, but I don't get that anymore.  It seems Capital One wants everbody who qualifies to have a rewards card now (with a higher APR). 

[Anonymous]

I'll probably try to hold off until I can get good offers like that... Though that might take 10+ years for me 

I finally started getting pre-quals from CapOne in January. The Platinum and the QS1 @ 23.24 APR. I want to app for one just to combine with my current QS1 in the future since its my oldest and lowest APR of any of my cards. I'll combine that V1 into it at some point. CLI supposed to be tomorrow so I'll try on Saturday to see what they give me.

Yeah V1 and V are likely to give some grand limits!! 

[Shooting-For-800]

YMMV

I was approved for 10,000 QS Siggy with no prequalified offers.

Prequalify is a go but no prequal is not a no go.

YMMV