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Capital One Platinum Card Approval (Mid 600s)

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Anonymous
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Capital One Platinum Card Approval (Mid 600s)

I am pretty excited. 

 

I have been working hard on my finances and credit this year. I have been saving up for another secured card because the only credit I had was an $800 Cap One secured credit card and a $250 Ulta store card. So my plan was to save $7500 - $2500 for the Discover It and $5000 for the Apple Federal Credit Union. 

 

My ex gotten approved for a few cards and since we have a similar score/income I thought I would try the pre-approval process. It said I was preapproved for the QuickSilver and Platinum but I went with the platinum since increasing my limit was my main goal. 

 

I am happy to see that I was approved for $3000 Smiley Happy (658 TU, 72k income, 2 charge offs, one unpaid negative account, one paid negative account)

I am so excited, this is the highest limit I've ever been approved for. 

 

Since they all age together I went ahead and signed up for the Discover It with a 2k deposit and I applied for the unsecured at AFCU just to see but since they manually look at applications it will probably be 4 business days or so until I hear back. 

 

I know after these 3 apps my score will dip for a minute but as of now I am sitting at 643 EQ 658 TU & 647 EX. 

 

I am trying to get my credit score up, I think I'll post in another thread for more advice (concerning the charge offs and negative accounts) but any advice you want to throw out there (like other things I could get approved for right now) is greatly appreciated! I am just excited that putting a phone bill on a CC won't blow my utilization out of the water. 

Message 1 of 9
8 REPLIES 8
KingRue8500
Senior Contributor

Re: Capital One Platinum Card Approval (Mid 600s)

Congrats on your Capital One Platinum approval




Message 2 of 9
CreditAggie
Community Leader
Super Contributor

Re: Capital One Platinum Card Approval (Mid 600s)

Congratulations on your Capital One Platinum approval!

Current Cards (in order of approval):

         
Current FICO 8 | 9 (April 2024):  
Credit Age:  
Inquiries (6/12/24):  
Banks & CUs:

Message 3 of 9
Elpadrino1
Valued Contributor

Re: Capital One Platinum Card Approval (Mid 600s)

Congratulations on your approval!! 

Message 4 of 9
gdale6
Moderator Emeritus

Re: Capital One Platinum Card Approval (Mid 600s)

Grats on your 3K approval Smiley Happy

Message 5 of 9
gingerflower
Valued Contributor

Re: Capital One Platinum Card Approval (Mid 600s)

Congratulations on the approval! Nice SL with Capitalone...👍

Message 6 of 9
Mr_Mojo_Risin
Senior Contributor

Re: Capital One Platinum Card Approval (Mid 600s)

Pretty nice Platinum approval you have here, Looks like you're doing well.

I probably wouldn't open anymore cards for a little bit, at least 6 months.

Let them age a little and get some payment history on your new accounts.

Cheers to your success!

NFCU More Rewards 28K CL
NFCU Cash Rewards 16K CL
Citi Custom Cash 7.5K CL
AODFCU Visa Sig 5K CL
Discover IT 2.5K CL
Capital One QS 3600 CL
Message 7 of 9
babygirl1256
Senior Contributor

Re: Capital One Platinum Card Approval (Mid 600s)

Congrats on your Capital One Platinum Card approval.

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 9
Total80sKid
Senior Contributor

Re: Capital One Platinum Card Approval (Mid 600s)

Congrats on your Cap One Platinum approval 🥳

Message 9 of 9
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