Got my Cap1 QS. It came with ....

Anonymous · ‎06-06-2017

Another offer which is the premium card. Should I apply? Is it guaranteed?

AverageJoesCredit · ‎06-06-2017

Whats the premium card?

Anonymous · ‎06-06-2017

Platinum

AverageJoesCredit · ‎06-06-2017

Im not sure anything is gauranteed in the credit world but if it shows on a Cap One prequal, i understand those are normally solid. YMMV as always. Do you need another card as i understand triple pull always by C1?

Anonymous · ‎06-06-2017

QS is more premium than Platinum by far. Platinum is a rebuilder card always.

Capital One generally only allows you to apply for one card every 6 months. I would call them about that offer before applying.

Platinum gives you no cash back, either, so if you already have 3 cards reporting, the Platinum card is next to useless. The only reason to get the Platinum AFTER the QS would be to merge CLs.

Anonymous · ‎06-06-2017

I was denied. Maybe wait 6 months

AverageJoesCredit · ‎06-06-2017

Thanks for clearing that up ABCD

. I ll tell ya Cap One helps alot of people but seems too complicated for this average joe

Anonymous · ‎06-06-2017

@Anonymous wrote:
I was denied. Maybe wait 6 months

As expected, unfortunately.

Did they ding all 3 credit reports or did you luck out and they told you to wait 6 months between applications?

Anonymous · ‎06-06-2017

Actually they are sending me a letter as usual. But my fico scores it looks wasn't dinged maybe they saved me the pull.

Anonymous · ‎06-06-2017

@AverageJoesCredit wrote:
Thanks for clearing that up ABCD. I ll tell ya Cap One helps alot of people but seems too complicated for this average joe

Capital One is the most forgiving lender in history, period. They make a lot of money on "average joes" who run high balances at 24% interest that pays for their ability to take a risk with people who are less-than-average.

I'm not kidding you, I know a gal who BK'd capital one cards TWICE (I think 2-3 cards each time) and then burned them at third time with charge-offs and the last time I saw her, she had a new Capital One card. I can't imagine forgiving her 3 times, but they did it.