Help. Prequalified Offers!

Anonymous · ‎07-13-2015

decided to get on capital and try the prequal today. i always get secured card, but today it was different. i was prequalified for the Platinum and Quicksilver one Rewards. are they worth it? what are my chances to get them etc. dont want to hp unless i know i have a good chance.. thanks

rockbttm442 · ‎07-13-2015

Nothing is ever guaranteed but Cap 1 is pretty legit. I'd app for both should use 1 pull. Let them grow together then PC them later.

Cap 1 QS1 - $3300, Kemba CU - $500, Chase Freedom - $500, Sears MC - $751, Sears - $2000, Hot Topic - $1230, Grismer - $1200, Target - $1800, Walmart - $200, Home Depot - $500, Discover IT Chrome - $7000, Chase Sapphire Preferred - $5000

SOGGIE · ‎07-13-2015

You don't want a triple pull for a decline. Others will chime in to advise of your chances with Cap1. Good luck!

Life was a lot simpler when what we honored was father and mother, rather than all major credit cards. ~Robert Orben

jacetx · ‎07-13-2015

@Anonymous wrote:
decided to get on capital and try the prequal today. i always get secured card, but today it was different. i was prequalified for the Platinum and Quicksilver one Rewards. are they worth it? what are my chances to get them etc. dont want to hp unless i know i have a good chance.. thanks

Quicksilver One gives you 1.5% cashback on all purchases, it usually comes with an annual fee. It's a good card if you don't have another cashback card. If you prequalify for it, chances of getting it are very good.

taxi818 · ‎07-13-2015

AS stated. if you got Congratulations with cap one. Its a 90 plus percent chance you will be approved. Since its the platinum and QS1. you can also be sure it will be about a 500 dollar to 1k limit. as they will put you on credit steps until your profile is better in 6 months. so you should be good to go. Most of us here have already gotten that card, used it. then graduated to bigger and better things. So take the advice. or not. But the card is yours to have. just apply already.

needtodobetter · ‎07-13-2015

I agree - it is a pretty sure thing - HOWEVER, if you check the terms and conditions of the QS1 and Platinum, you can only have a total of two Cap 1 cards. If you already have their secured card, you can only get one other card with them at this point. I like the QS/QS1 due to the cash back. Good luck!

05/01/15: EQ 519 TU 541 EX 506
10/28/15: EQ 637 TU 646 EX 622
First Goal Score: 600
Second Goal Score: 640

taxi818 · ‎07-13-2015

Yes. Agreed. Qs1 much better. And with lots of use. They will reward you in 6 months. If you look at my signature. I started with qs1. $500 dollars. After 6 months. Raised to $3500. 6 more months. Raised to 5500. Where it sits now. Since I don't use it much now. They upgraded to no AF qs. Then the world qs. I can't ask for another increase since I barely use. Too many other cards now. Good cards. But. I will keep it. And use it now and then. Good luck.

Anonymous · ‎07-13-2015

Did you app yet?

Anonymous · ‎07-13-2015

@needtodobetter wrote:
I agree - it is a pretty sure thing - HOWEVER, if you check the terms and conditions of the QS1 and Platinum, you can only have a total of two Cap 1 cards. If you already have their secured card, you can only get one other card with them at this point. I like the QS/QS1 due to the cash back. Good luck!

I think OP i saying they usually only get the offer for the secured card up until today.

OP I say go for it. It is going to be a triple pull but you won't get anywhere without trying.

Anonymous · ‎07-13-2015

i did it guys. i went for it. right away i got alerted for a hard inquiry. equifax went down hard. transunion went up. both finally showed my secured card. back to quicksilver one.. i was APPROVED for $500!! thank everyone for the advise. i was scared but i had to try. thanks once again!!