Thoughts on whether/when I might land a QuickSilver?

[expatCanuck]

So ... applied successfully for 4 cards in December '17 -- the first time I'd applied for CCs in 7 years (BarRing, BCE, CSP, Dit).

Applied unsuccessfully for the Cap One QS the first week of January.  Denied -- too many recent INQs / new accounts.  Fair enough.

The 2 mortgage pulls in each bureau will be >1 year in August (and the EQ Auto pull will be gone by then).

Assuming that I keep my scores (in my sig) where they're at (or higher), my aggregate util below 8.9%, and all but one or two accounts reporting zero, any thoughts as to whether/when Cap One might let me in the door?

[Method2Madness]

Ok. With those scores you should: A.) Have no trouble getting approved for a QS, not sure why they keep denying you. But B.) There are better cards out there. Any reason you're set on the Quicksilver?

[expatCanuck]

Thanks.

The reason for denial was not my scores or income but, based on my EX report, too many recent inquiries.

(2 CC's in Dec, 1 HELoan in Nov, the same HELoan in Sep (while the friendly bank ultimately extended the loan, it took too long to underwrite), and 2 mort INQs in July)

I'm keen on the QS because it is a cashback card with no foreign transaction fee and no annual fee. 

(And I've no Cap One card in my collection, and the Cap One arena is a few blocks from work. )

So, I'm wondering what Cap One considers 'recent' -- 3 months?  6 months?  A year?  Longer?

[simplynoir]

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@Method2Madnesswrote:

Ok. With those scores you should: A.) Have no trouble getting approved for a QS, not sure why they keep denying you. But B.) There are better cards out there. Any reason you're set on the Quicksilver?

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Curious to this as well. The cards in your sig are better than the QS you're wanting so trying to figure out the motivation for getting this card.

Edit: slow on my part lol just read your reason above.

[Method2Madness]

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@expatCanuckwrote:

Thanks.

The reason for denial was not my scores or income but, based on my EX report, too many recent inquiries.

I'm keen on the QS because it is a cashback card with no foreign transaction fee and no annual fee. 

(And I've no Cap One card in my collection, and Cap One arena is a few blocks from work. )

So, I'm wondering what Cap One considers 'recent' -- 3 months?  6 months?  A year?  Longer?

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Gotcha.

And recent with Capone is usually 6 months.

[expatCanuck]

Thanks again.  So June or July.

[Method2Madness]

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@expatCanuckwrote:

Thanks again.  So June or July.

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No problem.

[Anonymous]

Yeah a lot of the better cap1 cards are sensitive to inqs and new accts within the last 6 months. I've actually never been approved for a quicksilver either.... LOL. Had to product change my Cap1 Platinum to a QS after 6 months (the consequences of being an app spree-aholic) and since I can't get a decent CLI on the QS I had to get ANOTHER platinum just to re allocate that limit to the original QS in a while. But anyway that's a workaround for ya. Cap1 rep said over the phone my new Plat has to be 1 month old before I can merge it to the QS but based on what I've researched maybe he just made up that fact on the spot LOL. I've heard both accts need to be 6 months old first, but we'll see.

[Anonymous]

Allow some of the inquiries to age and then apply again. 6 months should be good. Based on your scores, Capital One might even reconsider. Have you ever called after being denied?