TMobile Capital One Visa Approval SL $20K

Jeffster1 · ‎11-04-2025

For data...

Instant approval today, 11/4/25, for the TMobile Capital One Visa with a SL of $20K.

Scores in sig. So far, it looks like they only pulled TU.

Sprint customer from 1999-2008. Returned to Sprint in 2014, and transitioned with the merger. Very happy with TMobile so I decided to go for it. Used the pre approval link. Cap One cardholder since 2021.

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K

NoHardLimits · ‎11-04-2025

@Jeffster1 wrote:
For data...

Instant approval today, 11/4/25, for the TMobile Capital One Visa with a SL of $20K.

Scores in sig. So far, it looks like they only pulled TU.

Sprint customer from 1999-2008. Returned to Sprint in 2014, and transitioned with the merger. Very happy with TMobile so I decided to go for it. Used the pre approval link. Cap One cardholder since 2021.

Thanks for the data point, and congrats on the instant approval with generous starting limit. It will be interesting to see if more inquiries eventually show up on the other bureaus.

November 2025 Scorecard: Clean, Thick, Mature, New Revolver
FICO8:

FICO9:

VantageScore3:

Inquiries (n/12, n/24):

Jeffster1 · ‎11-04-2025

@NoHardLimits Thanks. I was expecting a lower limit since, well...it's Cap One, but was pleasantly surprised. My only complaints with Cap One thus far have been with lower starting limits. They surprised me this time. I'll keep an eye on it for further inquiries and will update the post if any more come my way.

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K

cashorcharge · ‎11-04-2025

WOOHOO!! Congratulations on your Approval!!👏🏼🍾🥂

coreyb80 · ‎11-04-2025

Congrats on the strong approval!

GZG · ‎11-04-2025

@Jeffster1 wrote:
Instant approval today, 11/4/25, for the TMobile Capital One Visa with a SL of $20K.

congrats, did you get the 19% interest or the 28% interest?

Starting FICO 8:

Current FICO 8:

Jeffster1 · ‎11-04-2025

@GZG wrote:
@Jeffster1 wrote:
Instant approval today, 11/4/25, for the TMobile Capital One Visa with a SL of $20K.

congrats, did you get the 19% interest or the 28% interest?

Thanks. I got the 19% (18.99%).

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K

FicoMike0 · ‎11-04-2025

Congratulations!

Great cl.

Copenix · ‎11-05-2025

Good for you. Congrats on your approval and great SL.

Building credit in the U.S. since January 2022

Current cards:

Total Credit Limit $91.2K | Utilization 0.9%

FICO 8s November 2025

Jeffster1 · ‎11-05-2025

UPDATE: EX and EQ pulls showed up today,

#expected

0% utilization
FICO 8 EX 839 EQ 848 TU 850
American Express Blue Cash Preferred 30K I American Express Blue Cash Everyday 30K I American Express Delta Skymiles 13.9K I American Express Schwab Investor Card 5K I Bank of America Customized Cash Rewards Visa 30K | Kinecta MyPerks Rewards MC 35K | Wells Fargo BILT World Elite MC 30K I BMO Harris Cash Back MasterCard 12K | Capital One QS MC 12.5K I NFCU Flagship Rewards Visa 52K I NFCU Amex 28K I Citi Best Buy Visa 15K I Macy’s Amex 25K I Bread Financial American Express 18K I AAA Daily Advantage Visa Signature 8.5K I Saks Fifth Avenue World Elite MC 13.3K I Citi Dillard’s Visa 5K I JCPenney Mastercard 10K I Synchrony Premier Mastercard 10K I UCLA Wescom CU Rewards Visa 7K I Pottery Barn Visa 5K I PayPal Cash Back Visa 15K I MyWalgreens Mastercard 10K I TD Bank Double Up Visa 5K I USBank Cash Visa 5K I Gemini Bitcoin Mastercard 15K I TMobile Capital One Visa 20K