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Capital one pre qualify...UPDATE - Approved

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Established Member

Capital one pre qualify...UPDATE - Approved

If I get pre qualified for both quicksilver one and platinum . Can I apply for both and get approved? Or is it just one I will get approved for. I currently don't have any CapOne cards. 

if only one , which if the 2 is better to higher cli in the future and just a better card to have ingeneral I know I can upgrade the card later via a upgrade link. 

BK7 discharged 2/22/19
2/22/19 FICO 8 EX 522 EQ 569 TU 505
17 REPLIES 17
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Super Contributor

Re: Capital one pre qualify

You want platinum. It's no annual fee.
Message 2 of 18
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Super Contributor

Re: Capital one pre qualify

Yes, platinum can be upgraded. QS1 is very hard to upgrade.
Message 3 of 18
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Regular Contributor

Re: Capital one pre qualify


@jlozano7 wrote:

If I get pre qualified for both quicksilver one and platinum . Can I apply for both and get approved? Or is it just one I will get approved for. I currently don't have any CapOne cards. 

if only one , which if the 2 is better to higher cli in the future and just a better card to have ingeneral I know I can upgrade the card later via a upgrade link. 


ADDITIONAL DISCLOSURES & TERMS AND CONDITIONS
I understand that I am not eligible for this offer if:
My application is received after this offer expires, is incomplete, unreadable, inaccurate or cannot be verified.
My address is not in one of the following locations: the 50 United States, Washington, D.C., or a U.S. military location.
My address is a correctional institution.
My monthly income (my disclosed total annual income divided by 12) doesn't exceed my monthly rent/mortgage payment by at least $425. Or, Capital One otherwise determines that I am unable to make my monthly payments.
I am under 18 or do not have a valid Social Security Number or Individual Taxpayer Identification Number.
I have applied for a Capital One credit card 2 or more times in the last 30 days.
I have 5 or more open credit card accounts with Capital One.
I have a past due Capital One credit card account.
I am over my credit line on a Capital One credit card.
I have had a Capital One credit card that charged off within the past year.
I have a non-discharged bankruptcy (one that is still unresolved).

I pulled that from capital one. It's down in the Rate and Fee section at nearly the bottom of the page. Not sure applying for both disqualifies you for sure, but that's how i read it.


Rebuild start: 5/15/19


Message 4 of 18
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Established Contributor

Re: Capital one pre qualify

Echo what @AllZero said for sure. In the grand scheme of things, Platinim is a great gateway to a regular no AF Quicksilver card via the upgrade option you already mentioned. Good luck if you decide to apply, and let us know how it goes! 🙂


FICO 8 11/20: EX 747 EQ 746 TU 732
"Friends don't let friends earn 1% cash back."
Message 5 of 18
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Established Member

Re: Capital one pre qualify

Thank you 

BK7 discharged 2/22/19
2/22/19 FICO 8 EX 522 EQ 569 TU 505
Message 6 of 18
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Established Member

Re: Capital one pre qualify

Ok. Thanks all. For your insight applied and approved for 300. It's small but it's a start after 1 year after discharge I'm finally back in. First card besides Merrick and open sky which I've had for about 9 months . 

BK7 discharged 2/22/19
2/22/19 FICO 8 EX 522 EQ 569 TU 505
Message 7 of 18
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Established Member

Re: Capital one pre qualify

Approved for 300 platinum !! 

BK7 discharged 2/22/19
2/22/19 FICO 8 EX 522 EQ 569 TU 505
Message 8 of 18
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Established Contributor

Re: Capital one pre qualify


@jlozano7 wrote:

Ok. Thanks all. For your insight applied and approved for 300. It's small but it's a start after 1 year after discharge I'm finally back in. First card besides Merrick and open sky which I've had for about 9 months . 


Good for you, and CONGRATULATIONS! Cap1 has always been there for me too when I needed help rebuilding and I will be forever greatful to them for that. 


FICO 8 11/20: EX 747 EQ 746 TU 732
"Friends don't let friends earn 1% cash back."
Message 9 of 18
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Super Contributor

Re: Capital one pre qualify

I'm not sure of current 2020 policy. PicoFico posted their policy. A couple years ago, one could go for a 2-fer. More like 2-fer, 3 hard pulls.
Message 10 of 18
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