CapOne Platinum Approved - Shocked!

[thomasjm99]

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. 

[Sandman771]

Congrats on the approval. I think that is in the credit steps so spend and PIF in a few months hopefully they will CLI it for you. 

[gdale6]

Grats on getting back in the Cap-1 door

[CreditAggie]

Congratulations on your Capital One approval!

[M_Smart007]

Congratulations on your approval!

[Golf-and-Credit]

Congrats on the approval!

[AllZero]

Congratulations on your approval!

[babygirl1256]

Congrats on your CapOne Platinum approval . . . I had a CapOne card about 8 years ago and it went to collections and never paid so I've always been hesitant on applying . . . not sure if they blacklisted me or if they are that forgiving!

[coreyb80]

Congrats on the approval!

[abdi12]

Congrats on the approval! I too burned Cap1 in 2017 for $4,000, but they still take me back in January this year with a 592 EX FICO and a $500 QS1 (should've gone with the platinum but oh well). At that time the collection was full due so it was mega surprising, I know the feeling lol.