Capital One Pre Qualify Link Question

[JayRizzo]

Congratulations mrmagic!  Welcome to the Cap-1 family.  You know the drill... pay on time, stay under the credit limit and you will get your first increase after 3 months.  Initial limits are either 300 or 500 but everyone is automatically enrolled in the Credit Steps Program for those with limited or average credit which is most of us.

[mrmagic9799]

Thanks! all , the inital limit is $300 but I'm just stoked I was approved.  I already have the secured card with them at $2K which I use for everything and PIF every month. 

[Scuba]

Cap1 loves running all 3 CB for their hard pull but if you are pre-approved for one of their cards, do they simply soft you and skip the hard pull?

[william23]

I was not approved fellas.....

[mrmagic9799]

I'm not sure if they did a hard pull on me or not. I didn't get a notification from here or FCR.com. @William23 sorry dude, Id try the recon number...

[tinuviel]

---

@mrmagic9799 wrote:

I JUST did the pre-approval just being curious and got approved for their NO Hassle Rewards Card  2% on Gas & 1% on Groceries and all other purchases  WITH 0% interest until 9/11 ( I PIF everymonth anyway) it's just nice to have zero for a while....

---

Congrats! I got that card back in October and I really, really like it. I use it for all of my normal day in and day out purchases, PIF at least once a week so that I never run a large balance, and have made back more than enough cash to offset the AF. I hope that it works out well for you, as well.

@ William23... I'm so sorry that you weren't approved. If they won't do a recon, perhaps you'll be able to get it sometime in the near future. Best wishes going forward...

[Anonymous]

As they said, try the recon #... my scores are not much higher than yours but I do pay the Premier in full every month... yet, I also have a bk on there as well that is only 8 months old...

sorry

[tinuviel]

---

@JayRizzo wrote:

I feel like the Cap-1 Poster-boy now that I've suggested this card to many in this forum hahaha.  Reality, yes there's always a chance of denial but as I've stated before Capital One has been more forgiving and doesn't blacklist those who made mistakes in the past.  I would suggest going for it.  If it doesn't get approved, check the Cap1 backdoor numbers at the top of this forum and speak to someone about a down sell on the Cap1 Standard Platinum card or even their new Secured card which appears to be a new program for a lot less startup cost.

---

Can I be the poster-girl, then?

[william23]

which one is the best recon number and how do I about reconsidering? what do I say?

[JayRizzo]

Which Capital One card did you apply for?  If you went for the Rewards card, then that may have been out of your reach.  Call the 877-513-9959 number to speak directly to a Personal Account Specialist, you may ask for an Executive Account Supervisor if necessary -- they will explain all the details of your application and down-sell choices.  Also to tinuviel, hahaha yes there's always plenty of room under the Capital One poster-boy/girl spotlight.