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Capital One Secured Approved FINALLY

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Regular Contributor

Capital One Secured Approved FINALLY

Finally after multiple denials, I’m back in with Cap1. App’d back in February and was denied. I have a previous Cap1 charge off (with PRA) from 2012 that I paid but the payment hasn’t reflected yet on my my CR. So I’ve been checking the pre approvals every week for quite some time, nothing ever. Since my scores aren’t quite where I need them to be for the cards I want the most, and I definitely don’t want any subprime cards, I felt like I needed to get in with Cap1. So, I decided to just email the EO and ask them if I’m blacklisted. Got a call from a nice guy there named Jim and he looked over everything and told me that he saw a denier app from Feb 19th and that I should apply after Aug 19th because of the 1/6 rule. I tried to wait because the date is literally around the corner but I just felt like I kept getting denied because of the computer seeing that old account. Instead I called customer service last week and they offered to recon for a manual review. Told me it could take up to 3 weeks and it could result in another HP, I was fine with that since 2 just fell off anyway. Today I received notification that Cap1 pulled my report so I called the app status line and the rep congratulated me. Advise of a $49 deposit required to get the card. I paid it right over the phone. Even though it’s only secured, it gets me back in with a decent company and completes my 3 card rebuilder starter kit.

Now I have the Cap1, Discover, and Citi. Think I’ll garden those for about 18 months and then go for the AMEX I want.

For DP’s

Starting FICO scores in January 2018

EX - 546
EQ - 520
TU - 535

Current scores in August 2018

EX - 637
EQ - 604
TU - 634

Starting Scores 1/2018:



Current Scores:

Message 1 of 12
11 REPLIES 11
Senior Contributor

Re: Capital One Secured Approved FINALLY

Congrats on your approval !!!

 

 

8-2019 / Fico 8 EX 8013 , EQ 8016 , TR 810
Amex ED 22k , CSP 17k , Discover iT 12.5k , Fifth Third Bank S2C 12k , BofA Cash Rewards 10k , Avianca Vida 10k , State Farm Good Neighbor Visa 10k , Citi DD 6k , Union Bank Rewards 5k
Message 2 of 12
Valued Contributor

Re: Capital One Secured Approved FINALLY


@gbyyte wrote:
Finally after multiple denials, I’m back in with Cap1. App’d back in February and was denied. I have a previous Cap1 charge off (with PRA) from 2012 that I paid but the payment hasn’t reflected yet on my my CR. So I’ve been checking the pre approvals every week for quite some time, nothing ever. Since my scores aren’t quite where I need them to be for the cards I want the most, and I definitely don’t want any subprime cards, I felt like I needed to get in with Cap1. So, I decided to just email the EO and ask them if I’m blacklisted. Got a call from a nice guy there named Jim and he looked over everything and told me that he saw a denier app from Feb 19th and that I should apply after Aug 19th because of the 1/6 rule. I tried to wait because the date is literally around the corner but I just felt like I kept getting denied because of the computer seeing that old account. Instead I called customer service last week and they offered to recon for a manual review. Told me it could take up to 3 weeks and it could result in another HP, I was fine with that since 2 just fell off anyway. Today I received notification that Cap1 pulled my report so I called the app status line and the rep congratulated me. Advise of a $49 deposit required to get the card. I paid it right over the phone. Even though it’s only secured, it gets me back in with a decent company and completes my 3 card rebuilder starter kit.

Now I have the Cap1, Discover, and Citi. Think I’ll garden those for about 18 months and then go for the AMEX I want.

For DP’s

Starting FICO scores in January 2018

EX - 546
EQ - 520
TU - 535

Current scores in August 2018

EX - 637
EQ - 604
TU - 634

Welcome to the Capital One Secured MasterCard Club! Smiley Happy

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Starting Score: 490
Current Score:EX: 590
Goal Score: 620


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Message 3 of 12
Frequent Contributor

Re: Capital One Secured Approved FINALLY


@VoltronM wrote:

Congrats on your approval !!!

 

 


This LITERALLY never gets old!!! :-)



Current Scores Jul 2019 – FICO 8
Message 4 of 12
Regular Contributor

Re: Capital One Secured Approved FINALLY

You got that right!! I love it lol.

Starting Scores 1/2018:



Current Scores:

Message 5 of 12
Established Contributor

Re: Capital One Secured Approved FINALLY

Congrats on the approval!Smiley Very Happy




Message 6 of 12
Valued Contributor

Re: Capital One Secured Approved FINALLY

Congrats on your Capital One! In 18 months, you will have a nice selection of cards to pick from. Smiley Happy






Message 7 of 12
Frequent Contributor

Re: Capital One Secured Approved FINALLY


@gbyyte wrote:
Finally after multiple denials, I’m back in with Cap1. App’d back in February and was denied. I have a previous Cap1 charge off (with PRA) from 2012 that I paid but the payment hasn’t reflected yet on my my CR. So I’ve been checking the pre approvals every week for quite some time, nothing ever. Since my scores aren’t quite where I need them to be for the cards I want the most, and I definitely don’t want any subprime cards, I felt like I needed to get in with Cap1. So, I decided to just email the EO and ask them if I’m blacklisted. Got a call from a nice guy there named Jim and he looked over everything and told me that he saw a denier app from Feb 19th and that I should apply after Aug 19th because of the 1/6 rule. I tried to wait because the date is literally around the corner but I just felt like I kept getting denied because of the computer seeing that old account. Instead I called customer service last week and they offered to recon for a manual review. Told me it could take up to 3 weeks and it could result in another HP, I was fine with that since 2 just fell off anyway. Today I received notification that Cap1 pulled my report so I called the app status line and the rep congratulated me. Advise of a $49 deposit required to get the card. I paid it right over the phone. Even though it’s only secured, it gets me back in with a decent company and completes my 3 card rebuilder starter kit.

Now I have the Cap1, Discover, and Citi. Think I’ll garden those for about 18 months and then go for the AMEX I want.

For DP’s

Starting FICO scores in January 2018

EX - 546
EQ - 520
TU - 535

Current scores in August 2018

EX - 637
EQ - 604
TU - 634

Super Congrats on your Cap One Secured Card approval! Smiley Very Happy

 

The great thing about rebuilding credit is that you get to pick

and choose the "bricks" that lay your foundation. Cap One, Disco

and Citi are all premium lenders that will serve you well in the

future provided you care and feed their cards well. Good for you! Smiley Very Happy

 

BTW, I noticed that your EX score is 637. Once it hits 680 or higher

you can definitely begin to seriously consider Amex cards. They offer

a "2 for 1" which is one 1 revolving card and 1 charge card on the same

hard pull within 30 days. What you're doing is right on track, so just take

your time and choose wisely. Smiley Very Happy

 

Congrats once again on your success. Thanks so much for sharing! Smiley Very Happy

Message 8 of 12
Regular Contributor

Re: Capital One Secured Approved FINALLY

That’s very interesting, I’ll definitely start looking more into the Amex 2 for 1 once I leave the garden. Thanks for the info and well wishes!!

Starting Scores 1/2018:



Current Scores:

Message 9 of 12
Valued Contributor

Re: Capital One Secured Approved FINALLY

Capital One can be very generous and very forgiving.

I burned them years ago and now they treat me like a king.

Keep checking prequals for better cards from them.

My first card after burn was $3,500 plat.

My last card 4 years later was $30,000 venture!

 

GL!

Rebuild started in 2014  -  $100k+ unsecured credit in 2017  -  $250k+ unsecured credit in 2019.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

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Message 10 of 12
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