Well I applied to these Capital One cards last week while my scores were still averaging around 615 fico. A week later I had an OC accept my PFD, which was my last baddie and my score jumped to 681. Trust me, I do regret but I didnt know this PFD was going to happen. I am still very thankful, theses are my very first credit cards ever in my life. I am just looking into gardening these new accounts for a while.
