applying for capital one quicksilver

[HeavenOhio]

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@Anonymous wrote:

You likely don’t have any offers because you have to wait 6 months between Capital One applications. Check your open date and mark the calendar for 181 days after that and then check prequal. 

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Yeah, this. ^

However, if you apply too early, Capital One will simply tell you that you're not eligible without pulling your credit.

[HeavenOhio]

@usaallegiancestore, I'd apply for Discover. They like files like yours. And because your trip is to Hawaii, it'll be widely accepted.

When your Capital One card reaches its 13th month of age, a lot of possibilities will open up. A 12-month-old-card and a 6-month-old card make for a great look.

[GApeachy]

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@usaallegiancestore 

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Try all the pre-approval sites, BOA, Citi, Discover, Cap1(the 3hp's ppl), Amex and then check the "terms and conditions" for solid apr's on each and every offer.  Do you bank with a Credit Union?  You can check with your local bank as well.  Those pre-qual sites might give you an idea of how the banks are looking at you.  Have you tried upgrading your plat to a QS? Also, have you asked for a cli? (which would bring down your utl%)  You can call in and ask if Cap1 has any offers for you.  Have fun in Hawaii, Lucky!

[usaallegiancestore]

I DID THE PREQUALIFICATION PAGE AND IT SAID IM PRE APPROVED FOR THE SECURED CARD?

DOES THAT MEAN I WOULD BE DENIED IF I APPLIED FOR ANOTHER ONE OF THE DISCOVER CARDS?

@HEAVENOHIO IF I APPLIED FOR THE MOST BASIC UNSECURED CARD EVEN IF I WASNT PREQUALIFIED DO YOU THINK I HAVE A CHANCE?

WHAT DISCOVER CARD DO YOU GUYS RECOMMEND I APPLY FOR?

[usaallegiancestore]

WELL IT SAYS I AM ELIGIBLE FOR A CREDIT INCREASE AFTER 6 MONTHS OF ON TIME PAYMENTS SO IN JULY IT WILL BE THE 6 MONTH CAN I CALL AND ASK BEFORE THE 6 MONTH?

[Remedios]

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@usaallegiancestore wrote:

I DID THE PREQUALIFICATION PAGE AND IT SAID IM PRE APPROVED FOR THE SECURED CARD?

DOES THAT MEAN I WOULD BE DENIED IF I APPLIED FOR ANOTHER ONE OF THE DISCOVER CARDS?

WHAT DISCOVER CARD DO YOU GUYS RECOMMEND I APPLY FOR?

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If all you got offered is secured card, I dont think they will approve unsecured at this time.

If you decide to apply for unsecured card anyway, the type would depend on what fits your spending pattern the most. 

[usaallegiancestore]

I guess i'll just wait then no biggie I will wait until the 6 months with my own card is up...pay the balance i have on the one card i have all the way down and then maybe try again.

Does anyone know about bank of america?

if they are ok with new files?

I don't have a bank account with them so I don't even know if going in there and applying would be a good idea.

[GApeachy]

Are you on Credit Steps?  If so, they won't budge...yet.  If not, call them.  But I will tell you, I upgraded my plat to qs at month 2 or 3.  Also, it doesn't hurt to ask for that cli no matter what, they always tell me I can ask 'til I'm blue in the face.  But try allllllll the online pre-qual sites, you never know.  The guy that cleaned up your reports suggested BOA in person app, try online pre-approval and if it's looks good, walk in there and ask.  Tell that guy what your offers look like online and see what he says.  It's scary to get shot down and it stinks being stuck with inquires for 2 years but maybe between Possibly getting a cli/upgrade plus some promising pre-approvals you'll find a sweet card, just don't jump the gun, Discover secured card is for the very beginning, you are past that it sounds/looks like.

[TheAuthorizedUser]

Check the BB&T pre-qual, those are pretty easy to get and only a soft pull

[Anonymous]

If you don't get approved for the QuickSilver try the QuickSilver One or Venture One.......they are a bit easier to get