Showing results for 
Search instead for 
Did you mean: 

Cap1 QS delayed approval

Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
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

Take the myFICO Fitness Challenge
Valued Contributor

Re: Cap1 QS delayed approval


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 $12.2K | 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 | Apple Card WEMC $6K | NFCU cashRewards $3K | NFCU More Rewards AMEX $25K
Macy's AMEX $1K | PenFed Power Cash Rewards VS $7,500

TCL - $166.5K+ | Rebuilding since April 2018
Message 2 of 6
Established Contributor

Re: Cap1 QS delayed approval

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


Goal Cards

Message 3 of 6
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!
Back In the garden June 2019 until TBD
FICO 8 Scores (Inquiries) May 29, 2019

Military Star - $8.7K | FCCU Platinum Signature VISA - $13K | Care Credit - $25K | Barclay AA Red MC - $5K | Best Buy Citi Visa - $3K | Cap1 Savor - $3.1K | USAA Signature VISA - $6K | PFCU Power Cash Rewards Signature VISA - $28.5K | CSR $15K | USAA AMEX - $12K | AMEX BCP - $35K | Chase Freedom Signature Visa- $7.5K | HSBC Rewards MC - $1.75K | CITI DC - $10.3K | Discover It - $16K | NFCU Cash Rewards Signature Visa - $10K | NFCU CLOC - $15K | TD Ameritrade Client Rewards Visa - $1.5K | Chase FU Signature $15K | Citi AA Plat MC $13K
AAoA 6 Yrs 10 Mos AoOA 16 Yrs 2 Mos AoYA 1 Mos
Currently 13/24
4/24 on 1/14/20
1/24 on 3/15/20
0/24 on 3/20/21
Installment Loans
BMW $36.4K of $65.3K @ .99% (44.3% Paid)
Student Loans $32K of $66.65K @ 2.75% (51.93% Paid)
Annual Income ~ $110K
Message 4 of 6
Senior Contributor

Re: Cap1 QS delayed approval

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores

Message 5 of 6
Valued Contributor

Re: Cap1 QS delayed approval


Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $350k+ unsecured credit in 2020.


10% 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 Else - Flagship             1% Cancer Charity - Fifth Third             0% Finance Promos - Venture & QuickSilver

Message 6 of 6
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.