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You will get nothing and like it!

coreysw12
Valued Contributor

Re: You will get nothing and like it!


@SteveB2112 wrote:
Stop making so much sense and let me be irrational! Thanks for all the advice everyone. *shakes fist at sky* Stupid garden.🙄

Plant one of these in your signature, it'll make you feel better Smiley Very Happy

    Total Loan Balance: $58k / $65k

    Total SL: $42.4k
Goal cards:



United 1K - 675,000 lifetime flight miles    |    Chase 6/24
Message 11 of 15
Remedios
Moderator

Re: You will get nothing and like it!

Cap One uses an older scoring model. Those scores tend to be lower than Fico 8, which is what I'm assuming you're referencing as you EX score. 

 

Sit tight till your new Cap One is 6 months old. You should have better options at that time. 

 

Good luck and dont dread garden because it's either that or debit card. 

Message 12 of 15
joltdude
Community Leader
Senior Contributor

Re: You will get nothing and like it!

As of late.. again this is YMMV.. the fact that you already have a fresh Credit One card that is still new has been having miss discover pass you by.. even though it used to not really matter... the current credit climate has seen some tightening of the purse strings with credit card creditors ... even if other rates are going the other way... Since you just opened a card.. even Discover wants to see some experierence with that Cap One account before anteing up.. and Cap One uses an older FICO model I believe.. think Remedios mentions it....  And that new account still can lose some points... Youll be ok.... Theres some rather tasty noshing in the Garden =)

 

-J

 

Message 13 of 15
Shaw83
Regular Contributor

Re: You will get nothing and like it!

You got a card with a 2k limit...I would love to have that
 








current scores








Gardening since 2/12/21
Cap1 Qs $500
Citi secured-$300
Gettington-$800
Nfcu cash rewards $7000
NFCU nreward sec-$300
ch7 discharge 2013
Message 14 of 15
CreditInspired
Super Contributor

Re: You will get nothing and like it!


@joltdude wrote:

As of late.. again this is YMMV.. the fact that you already have a fresh Credit One card that is still new has been having miss discover pass you by.. even though it used to not really matter... the current credit climate has seen some tightening of the purse strings with credit card creditors ... even if other rates are going the other way... Since you just opened a card.. even Discover wants to see some experierence with that Cap One account before anteing up.. and Cap One uses an older FICO model I believe.. think Remedios mentions it....  And that new account still can lose some points... Youll be ok.... Theres some rather tasty noshing in the Garden =)

 

-J

 


OP. See text in bold because this is the gospel. Many of us on here can attest to the formidable Disco explanation when asking for a CLI—“Denied. Insufficient experience!” So you definitely want history that shows you are a responsible CC holder. 


DEC 2019: EX 816, TU 820, EQ 810
DEC 2018: EX 777, TU 783, EQ 799

|| AmX Cash Magnet $40.5K || NFCU CashRewards $30K || Discover IT $24.7K || Macy's $20K || NFCU CLOC $15K || CitiCostco $12.7K || NFCU Platinum $12.5K || Apple Card $6.5K ||
Message 15 of 15
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