Capital One Platinum Credit Card Approval

mrinal · ‎07-15-2022

My wife has been an authorized user of my Walmart Mastercard issued by Capital One for almost 3 years. 2 days ago she received her SSN and applied for the Platinum card and was approved for 3000 dollars SCL. So basically this is her own first card.

When can she apply for a CLI?

CreditMagic7 · ‎07-15-2022

Congrats on her new approval with a usable SL!!

SUPERSQUID · ‎07-16-2022

CONGRATS!!!!!

Your wife should be able to upgrade that card to a Quicksilver 1.5 pct cash back card after 5 months. Also the automatic first credit limit increase should be a given about the 5th or 6th statement.

You have to manually upgrade. I suggest after the 5th statement check if you qualify. there is a simple way of checking by while you are logged into your account adding =productupgrade after the address in the address bar.

i may be slightly off with what to type in the address bar, just use the search on this forum to learn the exact procedure, good luck.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017

mgood · ‎07-16-2022

@SUPERSQUID wrote:
. . . there is a simple way of checking by while you are logged into your account adding =productupgrade after the address in the address bar.
i may be slightly off with what to type in the address bar, just use the search on this forum to learn the exact procedure, good luck.

That is correct. One way of doing it anyway.

I've recently noticed that if I click the "I want to" button, and scroll down, right under the "Request Credit Line Increase," there's another option that says "View Offers and Upgrades."

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NalekSok · ‎07-16-2022

Congratulations on your approval! 🎉

KingRue8500 · ‎07-16-2022

Congrats to DW's Capital One Platinum approval

Anonymalous · ‎07-16-2022

@mgood wrote:
@SUPERSQUID wrote:
. . . there is a simple way of checking by while you are logged into your account adding =productupgrade after the address in the address bar.
i may be slightly off with what to type in the address bar, just use the search on this forum to learn the exact procedure, good luck.
That is correct. One way of doing it anyway.
I've recently noticed that if I click the "I want to" button, and scroll down, right under the "Request Credit Line Increase," there's another option that says "View Offers and Upgrades."

I may be mistaken, because it's been a while. But I don't think that's the same. When I upgraded my Platinum to a Quicksilver using that link, I don't think it was available in View Offers and Upgrades. All I've seen under View Offers and Upgrades is a referral link, a balance transfer offer, and (most recently) a pre-approval for a Savor One.

Anonymous · ‎07-16-2022

@mrinal Unfortunately, many people report that Capital One isn't very generous regarding credit line increases. The good news is your wife got a nice starting line of $3,000. I would count that as a big win. I recommend never closing the card. Instead, I recommend she apply elsewhere for another credit card. Perhaps focusing on lenders that offer a prequalification tool. Lenders such as:

Apple card

Amazon Chase

Dover FCU

NASA FCU

Furthermore, I recommend she open a small share secured loan. An installment loan on her credit report is crucial. Also, I really must say, if she has any opportunity whatsoever to join Navy Federal, she should do it immediately. Navy Federal is widely regarded as the best credit union that exists.

CreditMagic7 · ‎07-16-2022

Congratulations on the Capital One Plat approval

mgood · ‎07-16-2022

@Anonymalous wrote:
@mgood wrote:
@SUPERSQUID wrote:
. . . there is a simple way of checking by while you are logged into your account adding =productupgrade after the address in the address bar.
i may be slightly off with what to type in the address bar, just use the search on this forum to learn the exact procedure, good luck.
That is correct. One way of doing it anyway.
I've recently noticed that if I click the "I want to" button, and scroll down, right under the "Request Credit Line Increase," there's another option that says "View Offers and Upgrades."
I may be mistaken, because it's been a while. But I don't think that's the same. When I upgraded my Platinum to a Quicksilver using that link, I don't think it was available in View Offers and Upgrades. All I've seen under View Offers and Upgrades is a referral link, a balance transfer offer, and (most recently) a pre-approval for a Savor One.

I wasn't sure if it was the same or not. I check both ways, about every other day, hoping that one day they'll slip up and offer me a PC to SavorOne.

EQ8 760, TU8 757, EX8 769 as of April 25

AZE12 - 6% Utl - New Cards: 2/6, 2/12, 6/24