Cap One really is forgiving!!!

Anonymous · ‎01-11-2015

I just got approved for QS1 UNSECURED with $3k credit limit. I still have an unpaid judgement with them that's still on my CRs.

I just needed another CC, so I app'd.

Creditwiser · ‎01-11-2015

Sweet. Congrats. In a few months, chat with them or call an try to PC to a QS with no AF. I have the same card and limit and in 2 months they removed the AF and sent me a QS. Good luck.

Anonymous · ‎01-11-2015

PC? Thats a new term for me, what is it?

cartwrna · ‎01-11-2015

Product change :-)

Don’t take your credit for granted, use it with care! These days, catch me in the bankruptcy forum!?

Anonymous · ‎01-11-2015

So I could just call and ask them to change to a different card? Would that be another round of hard pulls? I know cap one usually pulls all 3B, plus Innovis and ARS. Is that correct?

cartwrna · ‎01-11-2015

I'm not sure if it would require new hard pulls, I've never done a PC with them. I do know that for the regular QS they say you need to have excellent credit ie: no baddys. As well as have had a card with I believe a 5k limit for 3 years/ or loan. Someone can correct me if I'm wrong though. I have there QS1 as well, I don't see the big deal with a $39 AF. That's one hour of work for me on OT lol.

Don’t take your credit for granted, use it with care! These days, catch me in the bankruptcy forum!?

yfan · ‎01-11-2015

@cartwrna wrote:
I'm not sure if it would require new hard pulls, I've never done a PC with them.

I have (Platinum to QS), and it does not require a hard pull.

gdale6 · ‎01-11-2015

@Anonymous wrote:
I just got approved for QS1 UNSECURED with $3k credit limit. I still have an unpaid judgement with them that's still on my CRs.

I just needed another CC, so I app'd.

Grats on your new Cap-1 card

I would be moving to settle that judgment they can come at you anytime and seize bank accounts and other assets, they will be in a perfect position to get your bank account info when you make your payments on the new card so beware....

EW800 · ‎01-11-2015

@gdale6 wrote:
Grats on your new Cap-1 card

I would be moving to settle that judgment they can come at you anytime and seize bank accounts and other assets, they will be in a perfect position to get your bank account info when you make your payments on the new card so beware....

+! Very true!

Year 2012: All Scores in the 520 range, during a foreclosure, CC Settlement and high UTIL. Very ugly days...
Jan 2026: EX8: 850; EQ8: 850; TU8: 850 -- Middle Mortgage Score: 827
In My Wallet: Discover $73.7K; Cap1 Venture $51.7K; Amex ED $38K; Amex Optima $2.5K; Amex Delta Gold $18K; Citi Costco $24.5K; Cap1 Plat $8.4K; Barclay $7K; Chase Amazon $6K; BoA Plat $21.6K; Citi TY Pref $22K; US Bank $4K; Care Credit $6.5K. Total Revolving CL: $300K+
My UTIL: Less than 1% - Only allow about $20 a month to report, on one account. .

Anonymous · ‎01-11-2015

Thx for the info everyone! You've all been extremely helpful.