Cap1 Approved me for 2!

Anonymous · ‎12-16-2015

I'm in the rebuilding phase and I didn't receive an impressive limit, but it's AWESOME FOR ME!

I went to the pre-qual site and they suggested I app for the platinum and QS! So I did and to my surprise, I was approved for both cards. I'm ecstatic as I'm hoping to refi my car in march and I planned on going with cap 1. Now I'll have a better relationship since I'll be adding two of their cards to go with my chx and savings. I received a 100 limit for the platinum which I think is their new product which gives you a 500 limit after 5 on time payments. I was approved for 300 with QS1. I only had one inq for tu but 2 on Eq so I think I might need to call cap one and see if they can remove one of the dbls.

These items are already showing up on my cap one app and I can't wait to receive this plastic around Christmas. Probably be one of the best gifts I've given to myself

Anonymous · ‎12-16-2015

Congratulations! I was where you are now, not that long ago. The future is bright. Take very good care of those accounts. You're in!

Anonymous · ‎12-17-2015

Congrats to you! Cap one gave me my start on the road to rebuilding. I will always be grateful!

Anonymous · ‎12-17-2015

Thats exactly how I got started Cap 1 was the only CC company to take a chance on me. They started me with a Cap 1 Platinum in April 2015 Upgraded me to QS with $300 CL. Three months in after making payments on time I requested a CLI they gave me $500 more then in October 2015 completed Credit Steps and $500 more. They are a great company and will do wonders for your CR. Best of Luck and Enjoy Your Holidays !!

Anonymous · ‎12-17-2015

Congratulations! I'm so grateful for Cap1. I'm rebuilding as well and both of my unsecured cards are Platinum and Quicksilver. I need a store card now but want to apply for one that I'll know I can get.

galahad15 · ‎12-17-2015

Congrats!

US Bank Split WMC @ 0% grace period for 3-6-12 mos. on all purchases, 1.5% mo. fee for 6-12 mo. items, $15k

PACU Premier Privileges Rewards MC @ 7.5% F with 1.5% rewards, $20k

Unify FCU Variable-Rate VISA Platinum @ 8.49% V, $15k

EPFCU Smart Rewards MC @ 9.25% V with 1% rewards, $6.5k

FNBO BucksBack VS @ 9.75% V with 1.5% rewards, $85k

BoA Customized Cash Rewards WMC @ 9.99% F with 3.75% cat. rewards (Preferred Rewards), $50k

Andrews FCU Titanium Rewards VS @ 11.49% V with 3%/1.5% rewards, $5k

BoA Unlimited Cash Rewards VS @ 12.74% V with 1.88% rewards (Preferred Rewards), $17.6k

Cap1 Venture MC @ 13.4% V with no AF, 2% rewards, $24k

Unify FCU Fixed-Rate VISA Platinum @ 14.49% F, $25k

BoA Customized Cash Rewards MC @ 15.49% V with 3.75% cat. rewards (Preferred Rewards), $14.3k

Redstone FCU VS @ 15.75% V with 5%/3%/1.5% rewards, $10k

AOD FCU VS @ 16.25% V with 3% rewards, $7.5k

PenFed Pathfinder Rewards VS @ 16.99% V with no AF, 4x/1.5x rewards points/dollar, $12.5k

BoA Customized Cash Rewards MC @ 17.49% V with 3.75% cat. rewards (Preferred Rewards), $20.4k

Citi DC WEMC @ 17.49% V wuth 2% rewards, $8.9k

AAA Daily Advantage VS @ 17.74% V with 5%/3% cat. rewards, $12.5k

Amazon Prime VS @ 17.74% V with 5% cat. rewards, $35k

US Bank Cash+(x2) @ 18.49% V with 5% cat. rewards, $32k

Cap1 T-Mobile VS @ 18.49% V with 5% on all T-Mobile purchases / 2% on all other purchases, $12k

PayPal CashBack MC @ 18.74% V with 3%/1.5% rewards, $25k

Wells Fargo Autograph VS (x2) @ 18.99% V with 3% cat. rewards, $42.5k

FNBO BucksBack VS @ 19.49% V with 2% rewards, $23.5k

Citi Custom Cash WEMC @ 21.49% V with 5% cat. rewards, $39.32k

Citi Custom Cash WEMC @ 21.49% V with 5% cat. rewards, $5k

Amex BCE @ 24.74% V with 3% cat. rewards, $25k

WF Attune WEMC @ 28.74% V with 4% cat. rewards, $2.5k

PayPal Credit MC @ 29.89% V with 0% / 6 mos. on all PP purchases $149+, $10k

Former cards:

DMB Titanium MC @ 90-day, 0% grace period | $4k BEFCU MC @ 5.49% F | $21.9k Citi DPR @ 5.99% F | Chase Platinum MC @ Prime+1.67%

Anonymous · ‎12-17-2015

I would try some of the store cards through Synchrony Bank. They are very generous and often willing to help rebuilders. You can find a complete list on wallethub by typing in list of synchrony cards on a google search. WalletHub seems to list the majority of cards plus reviews of other people who got the cards .

Best of Luck

Anonymous · ‎12-17-2015

@Anonymous wrote:
Congratulations! I'm so grateful for Cap1. I'm rebuilding as well and both of my unsecured cards are Platinum and Quicksilver. I need a store card now but want to apply for one that I'll know I can get.

I have the same line up as you now, I've heard Nordstroms is easy to get and they're like a one stop shop. I'll be looking into a store card soon but I want to do a little more research since I have a nordstroms debit card (attached to my checking) it gives me rewards as well.

THanks so much everyone! It's hard talking about these things to people I know personally as they really dont understand or even take their credit seriously at a young age just turned 24. Its really nice to have this forum and support system from people all over.

Anonymous · ‎12-17-2015

@Anonymous wrote:
Thats exactly how I got started Cap 1 was the only CC company to take a chance on me. They started me with a Cap 1 Platinum in April 2015 Upgraded me to QS with $300 CL. Three months in after making payments on time I requested a CLI they gave me $500 more then in October 2015 completed Credit Steps and $500 more. They are a great company and will do wonders for your CR. Best of Luck and Enjoy Your Holidays !!

THANKS so much and happy holidays to you too!

Anonymous · ‎12-17-2015

@Anonymous wrote:
I would try some of the store cards through Synchrony Bank. They are very generous and often willing to help rebuilders. You can find a complete list on wallethub by typing in list of synchrony cards on a google search. WalletHub seems to list the majority of cards plus reviews of other people who got the cards .

Best of Luck

I've heard mixed reviews about Synchrony...some say its harder and that they're really strict and that they pull TU. I recently read that I need to have atleast a 700 TU score to qualify for synchrony accounts. I went ahead and applied for banana republic a while back and was denied. So i'm really not sure what to do for a store card