Capital One 2nd Card

[Brian_Trying_700]

If I apply for a 2nd card from Capital One, what would be the best card to get from them.  Would it be a hard pull also ? My 1st cap one is from 5 years ago.

[Lambo23]

I have two cards from capital one. I have the starter platinum and I just got the cash rewards 50% back card with only a $300 limit. My first one is $500 limit. This makes no sense to me, but what does with capital one? I would suggest going with a better company than capital one unless you are still building your credit.

[JenniferinFL]

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@Brian_Trying_700 wrote:

If I apply for a 2nd card from Capital One, what would be the best card to get from them.  Would it be a hard pull also ? My 1st cap one is from 5 years ago.

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Yeah, they hard pull again. I just applied for the cobranded Playstation one and even though I'd gotten the Journey card from them a bit over a month ago they still hard pulled. 

I'd created a thread a week or so ago that had a few other cap one cards listed, if your looking for more ideas.

Don't forget to look at their cobranded cards too, there's a sony card, a playstation card and an MTV card with different rewards.

My favorite thing about Capital One? When I apply with them they usually send me a card..lol

[Brian_Trying_700]

Great. Thanks for all the info. I forgot about the low limits with Capital One. I got my Capital One 4 years ago and it had a $1750 credit limit. I will save the hard pull for Amex Preferred.

[JenniferinFL]

Yeah, $500 limits seem to be all I get with the exception of Journey which started at $1000

[pizzadude]

They'll pull all three CRAs, so don't app unless you are ok with taking an inquiry on all three reports.

[Tikon]

I've been capitalone for years, I have the 1% rewards platinum at $1500 credit line. I've never gotten a CLI (my score is higher 700s) I've tried to use it at least once a month for ~4 years.

My girlfriend applied for the capitalone journey, her first card, scores in the high 500s and got approved for $2000.

Does it make sense? no. If you can get with a prime lender I would wait for that, especially if you think you can get AmEx.

[aussiesareforever]

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@Brian_Trying_700 wrote:

If I apply for a 2nd card from Capital One, what would be the best card to get from them.  Would it be a hard pull also ? My 1st cap one is from 5 years ago.

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Don't do it. Save your HP for a worthwhile company. One Capital One card is plenty.

[Brian_Trying_700]

I will go 4 Amex Preferred instead. I have had Zync for the last 7 months along with Discover and Barclays. All of my CC are pif for over $3k. I will wait for my Fico score to boost from my 590 I have now. It was 665 5 months ago and I took some hit because of new CC's. Im in garden mode and waiting for hard pulls and utilization to come down.

[JenniferinFL]

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@Brian_Trying_700 wrote:

I will go 4 Amex Preferred instead. I have had Zync for the last 7 months along with Discover and Barclays. All of my CC are pif for over $3k. I will wait for my Fico score to boost from my 590 I have now. It was 665 5 months ago and I took some hit because of new CC's. Im in garden mode and waiting for hard pulls and utilization to come down.

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If you already have those cards, then another Cap One isn't going to do you any good anyways, especially since AAOA's seems to have been hurt by your newest additions. I only went for another Cap One because Barclay and Discover declined me.. lol..  I'm not worried about inquiries as my old mortgage company does a hard inquiry every other month anyways. Even if I didn't use a single inquiry, I'd still have 6 from them. I'm gonna get scored low on inquiries no matter what until they're done with the foreclosure they started three years ago.