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.
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.
Congratulations on your Capital One approval!
Congrats on the approval!
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!
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.