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Cap1 QS delayed approval

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Valued Member

Cap1 QS delayed approval

So I applied for a cap1 qs (I already have a QS1 and a Ven1 both with 3k-ish limits). I applied on 2/17 and got a "thanks for your app...we'll be in touch shortly." email. It said it was a standard step. I called for recon 3 days later and the lady was a beep and said I would find out when I find out. I was a little worried because of a new lending club account and a few new cards I just opened.

 

3/4 I got an email saying my card has shipped.

 

I thought it was probably a replacement or update for one of my other cards but I called cust svc and the automated thing said i have 3 accts and the limit on the new one was 5k. Nice.

 

It might have helped that I have both of my other cap1's paid off and use them sparingly.

 

Let me know if anyone is curious any other data pts.

Starting Score: 560(2015)
Current Score: 720(middle)
Goal Score: 760


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5 REPLIES 5
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Valued Contributor

Re: Cap1 QS delayed approval

YOU...

awesome congratulations GIF by Slanted Studios

CONGRATS on the Approval and the Very Nice SL!!!

AMEX BCE $8K | AMEX Cash Magnet $15K | Citi DoubleCash WEMC $13.7K | Citi AAdvantage WEMC $14K | Citi Costco VS $12K
Discover IT $19K | OpenSky $300 | BB&T Cash Rewards $4.5K | Synchrony (PayPal Credit $4K, Care Credit $15K, & PayPal 2% MC $10K) |
BBVA Compass Rewards VS $10.5K | NFCU cashRewards $3K | NFCU More Rewards AMEX $33.5K | NFCU Flagship VS $19K
Macy's AMEX $10.5K | Apple Card WEMC $6K | PenFed Power Cash Rewards VS $7.5K

TCL - $204K+ | Rebuilding since April 2018
Message 2 of 6
Established Contributor

Re: Cap1 QS delayed approval

Congrats on the delayed, but approved QS!!!!











Current

Goal Cards

Message 3 of 6
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Established Contributor

Re: Cap1 QS delayed approval

Got to hand it to Cap 1 (yes, I have one), if they are nothing else, they are consistently impersonal!












Message 4 of 6
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Senior Contributor

Re: Cap1 QS delayed approval

Congratulations on your approval!

FICO 8 (Feb 2018):EX- 519, TU- 530, EQ- 545
FICO 8 (Mar 2020):EX- 689, TU- 665, EQ- 670
What's in my wallet:



On the chopping block:

Message 5 of 6
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Valued Contributor

Re: Cap1 QS delayed approval

Congrats!

Rebuild started in 2014  -  $100k unsecured credit in 2017  -  $400k unsecured credit in 2020.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

5% Rotating - Discover                         5%-20% - Amazon & Lowes                   3-6% Groceries - NFCU & Amex Preferred
3-5% Gas - NFCU & Ducks Unl            4% Dining & Entertain - Savor               3% Travel & Hotels - Flagship, Propel, & Uber
2% Everything - Flagship & Syncrony






Message 6 of 6
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