do i stand a chane on recon with cap1

[Aduke1122]

Yes OP, that means your 6th statement has cut , we waited for the CLI on our secured and waiting a while longer just bc , but yes we were approved for the QS1 once that happened .

[Pway]

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@Anonymous wrote:
Ok so I was a week shy of 6 months, that's why they denied me. They have since gave me a $300 credit increase on my secured card that was initially a $200 limit. Does that credit increase mean I have a good chance getting a qs1 now since its past the 6 months? They didn't report a inquiry since they couldn't issue a new account anyway.

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i would personally wait another 30 days.  That app was denied without your credit pulled and when you submit that app I am sure you is going to get a reason of current app pending or processing.  I know, I have done this with Capital One.  Just give it more time.

[Aduke1122]

I too waited about 2 mths after the 6 mth cli to app for the QS1

[Anonymous]

ok, so i'm not a patient person, i went ahead and re applied for the QS1 just now and got it!!!! Small $500 limit, but hey you got to rebuild and start somewhere. Would i be able to call them and ask for a higher limit?

[Aduke1122]

Congrats .. I pretty much doubt you could get a higher limit at this point , 500 is pretty standard on whst they would start someone out on unsecured, you could always call and try doesn't hurt to ask , this will be a credit steps card , if you haven't already become familiar with the credit steps process I would look it up and read up on it.

[UncleB]

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@Aduke1122 wrote:
Congrats .. I pretty much doubt you could get a higher limit at this point , 500 is pretty standard on whst they would start someone out on unsecured, you could always call and try doesn't hurt to ask , this will be a credit steps card , if you haven't already become familiar with the credit steps process I would look it up and read up on it.

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+1

I never discourage anybody from trying to get what they want, but from the many threads on here I don't think I ever recall a single time where somebody was able to recon a starting credit line with Capital One... they just aren't known for that.

There's always a first time, though... I welcome anybody to always check for themselves.  Just manage your expectations so that you aren't disappointed if it doesn't work out. 

[Anonymous]

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@UncleB wrote:

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@Aduke1122 wrote:
Congrats .. I pretty much doubt you could get a higher limit at this point , 500 is pretty standard on whst they would start someone out on unsecured, you could always call and try doesn't hurt to ask , this will be a credit steps card , if you haven't already become familiar with the credit steps process I would look it up and read up on it.

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+1

I never discourage anybody from trying to get what they want, but from the many threads on here I don't think I ever recall a single time where somebody was able to recon a starting credit line with Capital One... they just aren't known for that.

There's always a first time, though... I welcome anybody to always check for themselves.  Just manage your expectations so that you aren't disappointed if it doesn't work out. 

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Agree with UncleB and have not heard of a single instance of SL recon with Capital One. Certainly never hurts to try and at least you'll feel that you gave it your best shot.

[Anonymous]

Everyone was right, no CLI. However it never hurts to try! It seems like a decent card, however i would like 1 more card to have 3. Can anyone recommend another card to try for? all 3 fico 8 scores are 620's. Or is that about it for my tier?  

[Aduke1122]

You should try a credit union , they are alot more flexible and really do try to help their members unlike big banks .