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Capital One Platinum Card

Your FICO® Scores can impact your loan interest rates, terms, approvals and more.
New Visitor

Capital One Platinum Card

Excited! Just got approved for a Capital One Platinum Card. Have two secured credit cards already and finally an unsecured card. The limit is $500, but they said with 5 ontime monthly payments will get an increase. The apr is high at 24.99% though, but it's a start. 

Message 1 of 12
11 REPLIES 11
Super Contributor

Re: Capital One Platinum Card

Congratulations!! (Just don't carry a balance and apr won't matter.)






Message 2 of 12
Senior Contributor

Re: Capital One Platinum Card

Congratulations on your approval!

Starting Scores FICO 8 (Feb '18):
EX- 519, TU- 530, EQ- 545

Current Scores



Message 3 of 12
Frequent Contributor

Re: Capital One Platinum Card

Congratulations! Best of luck to you on your journey!

06.2019

03.2018

NFCU CLOC: $15,000
Message 4 of 12
Valued Contributor

Re: Capital One Platinum Card

Congrats on the Platinum!



;
Message 5 of 12
Valued Contributor

Re: Capital One Platinum Card

Congrats! My first card out of BK 3 yrs ago. Use it like a debit card and PIF each month. In time you can upgrade to the QS and then it all opens up for bigger and better things. Just like it did for me. Your on your way now!



My posts are JMHO. I DO NOT claim to be a FICO expert. Just sharing my experiences from rebuild to recovery after BK DC.
Message 6 of 12
New Visitor

Re: Capital One Platinum Card

Thank yall so very much! 

Message 7 of 12
Valued Contributor

Re: Capital One Platinum Card

Congratulations!! As others have said, you're off to a great start! Use the cards wisely and watch your credit grow, grow, grow. As an aside, now that you have three cards, you can employ the AZEO technique to maximize your scores if needed. 

"Hover mouse over cards to see CL and APR info"


Message 8 of 12
Regular Contributor

Re: Capital One Platinum Card

Nice, congrats.  Btw you can call Cap1 to PC your Platinum to QS.  Do it after having the card in a year.

Credit Cards


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Loans


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Future CCs
Ducks Unlimited V, PenFed Pathfinder Rewards AMEX, BB Americas Platinum Plus, NFCU Platinum
Message 9 of 12
Super Contributor

Re: Capital One Platinum Card


@kwulfe wrote:

Nice, congrats.  Btw you can call Cap1 to PC your Platinum to QS.  Do it after having the card in a year.


You only need to wait 3 or 4 months. About the same time he should be asking for a CLI.

 

OP: congrats, I remember that feeling.








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Message 10 of 12