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CapOne Platinum Approved - Shocked!

thomasjm99
Regular Contributor

CapOne Platinum Approved - Shocked!

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. 

Message 1 of 17
16 REPLIES 16
Sandman771
Valued Contributor

Re: CapOne Platinum Approved - Shocked!

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. 

Starting Score: EQ 497 TU 496 EX 499
Current FICO8 Score: EQ 598 TU 625 EX 600
Goal Score: 700's Across the board


Take the myFICO Fitness Challenge

In the Garden since 06/16/2021
Message 2 of 17
gdale6
Moderator

Re: CapOne Platinum Approved - Shocked!

Grats on getting back in the Cap-1 door Smiley Happy

Message 3 of 17
CreditAggie
Senior Contributor

Re: CapOne Platinum Approved - Shocked!

Congratulations on your Capital One approval!

Current Cards (in order of approval):


Current FICO 8 | 9:

Credit Age:

Inquiries (24 month):

Banks & CUs:

Goal Cards:



Currently: 2/6, 2/12, 5/24
Message 4 of 17
M_Smart007
Epic Contributor

Re: CapOne Platinum Approved - Shocked!

Congratulations on your approval!

Message 5 of 17
Golf-and-Credit
Regular Contributor

Re: CapOne Platinum Approved - Shocked!

Congrats on the approval!

Experian FICO 8: 800!!/2 inq’s 0/12, 2/24
Equifax FICO 8: 775/3 inq’s 1/12, 2/24
Transunion FICO 8: 772/2 inq’s 0/12, 2/24
Message 6 of 17
AllZero
Super Contributor

Re: CapOne Platinum Approved - Shocked!

Congratulations on your approval!
Message 7 of 17
babygirl1256
Valued Contributor

Re: CapOne Platinum Approved - Shocked!

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!

Starting FICO 8 Score in 06/2019: EQ-625, TU-649, EX-640
Current FICO 8 Score in 06/2021: EQ-796, TU-806, EX-812
Goal FICO 8 Score in 06/2022: EQ-825, TU-850, EX-850
Message 8 of 17
coreyb80
Valued Contributor

Re: CapOne Platinum Approved - Shocked!

Congrats on the approval!

Message 9 of 17
abdi12
Member

Re: CapOne Platinum Approved - Shocked!

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. 

Message 10 of 17
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