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Capital One Platinum Approval

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MartyWrite75
Valued Contributor

Re: Capital One Platinum Approval

Congratulations on your approval!

June 2025: Experian 772; Equifax 788; Transunion 781


Cards I Have:
Cap One QS: $600 (Sock drawer) || Cap One QS (#2): $7,500 (Sock drawer) || Discover It: $17,400 || Cap One Savor One: $600 (Sock drawer) || AMEX BCP: $10,000 || Amazon Prime Store Card: $10,000 || FNBO Rewards Visa: $2,600 || Discover Cash Back: $9,500 || Citi Custom Cash: $15,500 || Verizon VS Visa: $20,000 || Amex Hilton Honors: $12,000 || Amazon (Chase) Prime Rewards (VS): $9,500 || Citi Double Cash: $6,900

Wishlist Cards:
Paypal Mastercard || Bread Mastercard

Gardening to 6/2026(ideally)
Total Utilization: 11%
Inquiries: Exp: (2) Trans: (1) Equif: (1)

Message 11 of 21
AllZero
Mega Contributor

Re: Capital One Platinum Approval


@Anonymous wrote:

@quikj9 thank you so much for the link. Wasn't aware of this possibility. Took less than a minute to upgrade. Smiley Happy


Congratulations on your product upgrade!

Message 12 of 21
Anonymous
Not applicable

Re: Capital One Platinum Approval

Congrats 

Message 13 of 21
CreditAggie
Community Leader
Super Contributor

Re: Capital One Platinum Approval

Congratulations on your Capital One Platinum approval!

Current Cards (in order of approval):


         
Current FICO 8 | 9 (August 2026):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 14 of 21
Vector3D
Established Member

Re: Capital One Platinum Approval


@quikj9 wrote:

@Vector3D  I think you made the right call going with the Platinum over the OS1. It seems to be pretty difficult getting out of that annual fee.

 

You should be able to PC to the QS using this upgrade link after your card's been open 91 days with no issue. I did the same earlier this year.

 

Also, congrats on your rebuild and your student loan rehab. I'm on a similar path, but jealous that you got your Discover secured card a month before I did. I'll look for your announcement in the graduation thread in a couple of months. 


 

Thanks!  Can't wait to graduate the Disco, the cashback is really incredible (especially for a secured card!).  I have to say the rehabbed student loans was one of the best things I've ever done; I've been going back to school but have been ineligible for financial aid up until this fall, having to pay for every class out of pocket was too much stress to have when I'm trying to focus on getting good grades!!

Currently Rebuilding, AZEO (EQ FICO 697 | TU FICO 714 | EX FICO8 707 as of May 2022) (Was 493 in early 2019), Goal Score: 750
Last derog paid 12/31/20!!!!!!

Current Cards/Loans:

Old Student Loans - ~$10,000 (Opened 2010, 2011 - Rehabilitated from Default in 2020)
New Student Loans - ~$3,000 (Opened 2021)

Previous Cards/Loans:


Goal Cards:
Message 15 of 21
cashorcharge
Community Leader
Super Contributor

Re: Capital One Platinum Approval

Congratulations on your approval!

Message 16 of 21
Slabenstein
Valued Contributor

Re: Capital One Platinum Approval

Grtz on your unsecured card!


Message 17 of 21
Anonymous
Not applicable

Re: Capital One Platinum Approval


@Anonymous wrote:

@quikj9 thank you so much for the link. Wasn't aware of this possibility. Took less than a minute to upgrade. Smiley Happy


Congrats on your approval!

 

On a side note, you said "Took less than a minute to upgrade".  Does that mean you've already PC'd the Platinum to Quicksilver or am I misunderstanding?

 

 

Message 18 of 21
Anonymous
Not applicable

Re: Capital One Platinum Approval

@Anonymous Hi there. Thats correct. I checked the offer link posted and the PC process took less than a minute. Not sure how long the offer was there but Platinum MC was opened 11/19. Hope this helps

Message 19 of 21
Vector3D
Established Member

Re: Capital One Platinum Approval


@gdale6 wrote:

Grats on getting back in, you are bucketed with either of these.


Thanks for the info, I had a suspicion about this and looked it up today which pretty much confirmed that; low starting limit, previous burn with CO, .  Oh well, at least I'm not bucketed with an AF card (at least not from CO)!

Currently Rebuilding, AZEO (EQ FICO 697 | TU FICO 714 | EX FICO8 707 as of May 2022) (Was 493 in early 2019), Goal Score: 750
Last derog paid 12/31/20!!!!!!

Current Cards/Loans:

Old Student Loans - ~$10,000 (Opened 2010, 2011 - Rehabilitated from Default in 2020)
New Student Loans - ~$3,000 (Opened 2021)

Previous Cards/Loans:


Goal Cards:
Message 20 of 21
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