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15K SL Cap One QS Approved with BK7 less than a year old

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Anonymous
Not applicable

15K SL Cap One QS Approved with BK7 less than a year old

DW just got approved for a Cap One QS with 15K SL. Couldn't believe it. I had to double check  to make sure there are three zeros. 0% APR on purchases/BT for 15 months and 15.24% thereafter. 

 

We are 11 months post bk7 discharge. This is her 3rd CC and 2nd Cap One. Her first Cap One is a platinum-pc'ed-to-QS at 3.8K CL which turned a year old last week. Her other card is a Discover secured also a year old.

 

FICO8 - 672 (EX), 660 (TU), 680 (EQ)

It was a cold app. Pre-approval was showing Platinum and QS1.

 

It's been a great week for us. A few days ago I was approved for a 2nd Discover with a 13K SL.

 

QS Approval.PNG

 

Message 1 of 17
16 REPLIES 16
Priory_Man
Valued Contributor

Re: 15K SL Cap One QS Approved with BK7 less than a year old

Congrats on the app and the SL, very impressive.






"Total revolving credit $286,000 Current UTIL >1%"
Message 2 of 17
Anonymous
Not applicable

Re: 15K SL Cap One QS Approved with BK7 less than a year old

Congrats on your approval and starting CL.

Message 3 of 17
simplynoir
Community Leader
Mega Contributor

Re: 15K SL Cap One QS Approved with BK7 less than a year old

Incredible SL considering the stats you provided. Congrats there!

Message 4 of 17
19eighty5
Senior Contributor

Re: 15K SL Cap One QS Approved with BK7 less than a year old

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Sept 2022):EX- 706, TU- 685, EQ- 684
What's in my wallet:


Message 5 of 17
AverageJoesCredit
Legendary Contributor

Re: 15K SL Cap One QS Approved with BK7 less than a year old

Thats Legend, against everything we know about C1Smiley Wink. Make them your #1 Lender, looks like they went to bat for DWSmiley Wink
Message 6 of 17
Anonymous
Not applicable

Re: 15K SL Cap One QS Approved with BK7 less than a year old

WOW!! Congratulations...pretty awesome.....Smiley Happy

Message 7 of 17
Anonymous
Not applicable

Re: 15K SL Cap One QS Approved with BK7 less than a year old


@AverageJoesCredit wrote:
Thats Legend, against everything we know about C1Smiley Wink. Make them your #1 Lender, looks like they went to bat for DWSmiley Wink

+1

Message 8 of 17
Anonymous
Not applicable

Re: 15K SL Cap One QS Approved with BK7 less than a year old

Super WOW!  Very happy to read this. I am planning on waiting til the end of this year to apply for a better Cap1 card with a hopefully awesome SL too. I'll be close to a year post DC by then.

Thanks for letting us all know your results with data points so that we have something to base our decisions off of.Smiley Happy

Message 9 of 17
MartyWrite75
Valued Contributor

Re: 15K SL Cap One QS Approved with BK7 less than a year old

Congratulations to your DW on her approval! This is awesome news!
April 2024: Experian 772; Equifax 779; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $6,200 (Sock drawer) || Discover It: $11,400 || Cap One Walmart: $600 (Sock drawer) || AMEX BCP: $8,900 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $5,500 || Citi Custom Cash: $9,500 || Verizon VS Visa: $10,000 || Amex Hilton Honors: $10,000 || Amazon (Chase) Prime Rewards (VS): $9,500

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 10/2024(ideally)
Total Utilization: 11%
Inquiries: Exp: (1) Trans: (0) Equif: (0)

Message 10 of 17
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