@Anonymous wrote:
@Anonymous wrote:I checked the pre-qual site and it said that you can't be pre-qualified for anything unless you're 21,I'm 18. I tried it anyway and it said they didn't have any pre-qual offers for me but they suggested I applied for those two cards. What else on my profile do you think depends on my approval odds?
AAoA, UTIL, inquiries, badies, etc. Any negatives. With both of these cards being builders/rebuilders Cap 1 tends to approve for thin files like yours.
+1 what Noble wrote. If you have no baddies and your inquiries are few, and you want a Cap One card, I'd app for the Quicksilver One. You'll get cash rewards from your purchases, whereas the Classic gives you nothing (although there is no AF). Maybe try the Discover preapproval site. I would only app if it gives you a firm APR, with zero range. If it gives you a range, I wouldn't apply (their preapproval site is a bit flaky and I've read about many denials). You can try CIti's, Chase's, Amex's and US Bank preapproval sites. They are all pretty solid preapprovals when it states "preapproved". Good luck! 
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:I checked the pre-qual site and it said that you can't be pre-qualified for anything unless you're 21,I'm 18. I tried it anyway and it said they didn't have any pre-qual offers for me but they suggested I applied for those two cards. What else on my profile do you think depends on my approval odds?
AAoA, UTIL, inquiries, badies, etc. Any negatives. With both of these cards being builders/rebuilders Cap 1 tends to approve for thin files like yours.
+1 what Noble wrote. If you have no baddies and your inquiries are few, and you want a Cap One card, I'd app for the Quicksilver One. You'll get cash rewards from your purchases, whereas the Classic gives you nothing (although there is no AF). Maybe try the Discover preapproval site. I would only app if it gives you a firm APR, with zero range. If it gives you a range, I wouldn't apply (their preapproval site is a bit flaky and I've read about many denials). You can try CIti's, Chase's, Amex's and US Bank preapproval sites. They are all pretty solid preapprovals when it states "preapproved". Good luck!
I agree with weedeb. I would go for the Quicksilver 1. Rack up some rewards while you're establishing/building credit. You will also be automatically enrolled in the "credit steps" program with Cap 1. If you are responsible and have on time payments for the first 5 months you will receive an auto CLI.
I have no badies at all and i have 3 inquiries for credit and a few for utilities but i heard that those inquiries don't ciunt, or do they? Are all the pre-approval sites soft pulls?
@Anonymous wrote:
@Anonymous wrote:
@Anonymous wrote:I checked the pre-qual site and it said that you can't be pre-qualified for anything unless you're 21,I'm 18. I tried it anyway and it said they didn't have any pre-qual offers for me but they suggested I applied for those two cards. What else on my profile do you think depends on my approval odds?
AAoA, UTIL, inquiries, badies, etc. Any negatives. With both of these cards being builders/rebuilders Cap 1 tends to approve for thin files like yours.
+1 what Noble wrote. If you have no baddies and your inquiries are few, and you want a Cap One card, I'd app for the Quicksilver One. You'll get cash rewards from your purchases, whereas the Classic gives you nothing (although there is no AF). Maybe try the Discover preapproval site. I would only app if it gives you a firm APR, with zero range. If it gives you a range, I wouldn't apply (their preapproval site is a bit flaky and I've read about many denials). You can try CIti's, Chase's, Amex's and US Bank preapproval sites. They are all pretty solid preapprovals when it states "preapproved". Good luck!