Capital One!!!

[TryingVeryHard]

What score do they usually require? And which agency do they pull? I had one from them 7 yrs ago that will fall off this Feb, do you think they will approve me at this score range: 600 - 650?

[Anonymous]

they pull ALL 3, and ya they will likely approve you. if you get lucky you may not get a "sub-prime" card.

seriously, imho there are much better issuers w/your scores if your reports are clean.

[TryingVeryHard]

I got hooters with 1000$ limit, dont know of other issuers who can top that. Any suggestion ducky?

[Anonymous]

I only check my EQ score with SW and it was 620 at the time when I got my pre approval letter in the mail from them. The gave me a whole $300 CL lol

[sh9730]

Im searching, but havent found so far a definitive answer.....anyone can help?

First, to be honest I ve had great luck with cap one.....i had a CO from them years ago, and later they were ONLY ones who came back to me with a repayment plan card where I would get a card, make payments, and part would go to my old CO debt, and some would go towards increased availability.  Sure, they got money from me they had written off, but I got started again and have leveraged that into many good things credit wise.  I now have two cards with them and a car loan.  Win Win I think?

Now, my question though is they have never voluntary given me a CLI (1 card of 1K limit and 1 card 3K limits, had both for years), but I am about to go into mortgage negotiations and want to clean up just a little more of my utls ratio....(currently about 30%) but dont want to spend my cash as I need it for down payment. 

I see on the Cap1 site now that you CAN apply for CLI through automated system on phone, but before I do it, has anyone CONFIRMED they do not pull CR for CLI....I dont need any inquiries!  I am right on that cusp for the best rates (674/685/701) and dont want to blow it....

Thanks in advance.

[Anonymous]

a 652 eq got me 5k visa and 5k loc w/justice. eq was about the same when citi gave me a 3.5k diamond preferres rewards mc, that 6 months later has grown to 10k. 640ish eq got me an 8.6k loc from benificial.

a 620ish ex got me a 2k plat delta amex that has gron to 4k.

try the boa pre-approval link on thier site.

[TryingVeryHard]

I am assuming that this means DENIED!!!

Thank you for submitting an application for a Capital One® credit card!

Notification of approval status will be typically sent in 7 to 10 business days; however, in certain circumstances it may take up to 15 days.

In the interim, please do not submit another application, as only the first application received will be considered valid.

Questions? Review our Frequently Asked Questions.

Please do not hit your browser's Back button.

[GregB]

Same result they gave me when applying for a "pre-approved offer". They called me a week later to confirm address details from credit report. One CRA has a typo which shows that I moved recently to a different house on the same street. Another shows that my mailing address is my house and my actual house as my previous address. Not sure which one they were questioning since they only asked what my actual home address was. They only did one inquiry but my scores are all low to mid 700s.

0% interest on balance transfer for a year was the offer. I accidentally missed one payment when the statement got lost on my desk. I had a balance of $14.5 against a $18.5 limit and had made only one payment of $500 before that. They charged me a late fee but no other impact at all.

I am completely happy with them after two years.

[sh9730]

Well, you can disregard my last question about the automated system....its useless....BUT, I did call the back door # and got the account specialist and gave me a 300.00 increase on my 3K card, but nothing on my 1K card....but heck....lowers my current utls by 1%...every bit helps!

Thanks

[Anonymous]

The backdoor number is where it is at.