When to apply for capital one?

[Anonymous]

hi all,

I have had a secured cap one card for 7 months now. Got the $300 increase after my 6 month statement and have been using every month and paying in full. My credit scores havent changed much, they are in the mid 500's. I keep trying the cap one prequalify but always get the we couldnt find an offer message. My question is should i apply anyway at a certain point or do i have to wait until my credit score is at a certain level? I would really like to add an unsecured card to my lineup, as of now i only have two secured cc. Thank You

[Anonymous]

I would wait a little longer I got my qs1 at around 584 fico 

[Pway]

I would go ahead and pull the trigger.  See what the pre qual comes up with.

[Anonymous]

I was wondering the same thing.. I would like to know when to pull the trigger?? Please let us know the results.

[Anonymous]

prequalify hasnt come back with anything yet so i havent applied. Wondering if chating with customer service would help.

[joshkm]

I would wait. You're at 7 months now. Keep using that secured card heavily and paying in full. Keep your utilization reporting low. Let it age to a year which isn't too far off. You'll be in a better position by then and your scores should be higher. Then I would pull the trigger and see what you hit.

[Jerry45]

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@Anonymous wrote:

hi all,

I have had a secured cap one card for 7 months now. Got the $300 increase after my 6 month statement and have been using every month and paying in full. My credit scores havent changed much, they are in the mid 500's. I keep trying the cap one prequalify but always get the we couldnt find an offer message. My question is should i apply anyway at a certain point or do i have to wait until my credit score is at a certain level? I would really like to add an unsecured card to my lineup, as of now i only have two secured cc. Thank You

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Do you have the one card? or do you have other credit lines? I would wait for your card to hit one year first. Good Luck