@thomasjm99 wrote:
I'm not really sure why I checked, raw curiosity I suppose, but yesterday decided to see what the CapOne pre-approval showed, and to my surprise, it showed both their Platinum and QS1 cards at 26.99%. So I pulled the trigger and was approved for the Platinum @ a $500 SL. It's not much, but helpful with my rebuild nonetheless.
Why the shock? Because I've heard that they are forgiving, but wow... In 2018 I had 2 cards go to Collections to the tune of $11k or so. Both are being paid off in full through payment plans with Midland (who also agreed not to report as long as I don't miss a payment).
Here's to hoping I can get a modest CLI and PC to a QS in 6-12 months.
FICO 08 Scores are low 600's for those interested in that DP.
Awesome approval! The Cap1 Platinum was critical to my rebuild in 2015-2016--quite happy with where I'm at now as a result....
What I use (& strongly recommend): Chase Sapphire Reserve | BofA/ML (Premium Rewards VS, Cash Rewards VS, Merrill+ VS) | AmEx (Amazon Prime Business)
What I have: NFCU | PenFed | General Electric CU | Wright Patt CU | Discover | BBVA | Apple Card (GS)
Total CL with Bank of America = $100,000 (Platinum Honors Merrill Client). I am a CERTIFIED FINANCIAL PLANNER™ practitioner, so feel free to message me if you have any planning/credit questions.
EQ 759, EX 765, TU 771 (06/10/2022)
I started with scores in the 400s in 2016. This forum is a Godsend--focus on the journey, be patient, and you'll definitely get there no matter the circumstances!
