Credit One

[heavenli]

Hello,

I went to see last week if I had a prequalification from them and I didn't. Should I apply? Or should I take that as a denial? It was a soft pull they said that will not affect my credit.Is there a recon number?

Thanks,

[gdale6]

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@heavenli wrote:

Hello,

I went to see last week if I had a prequalification from them and I didn't. Should I apply? Or should I take that as a denial? It was a soft pull they said that will not affect my credit.Is there a recon number?

Thanks,

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I would not apply for such a card unless you are rebuilding.

[heavenli]

I am rebuilding

[starry1]

I wouldn't recommend applying without the pre approval.   It will most likely be a wasted inquiry.

[yudeology101]

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@heavenli wrote:

I am rebuilding

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If you don't mind paying higher interest rate fees + AF divided monthly, then go for it.  However, I would first look at Cap1 or BOA 123 secured first.

[heavenli]

I actually don't think I need it I was just approved for a Capital One

[efranklin23]

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@heavenli wrote:

I actually don't think I need it I was just approved for a Capital One

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As said before, unless you have bad credit and trying to build real credit, AVOID THIS CARD! based ont he fact you have a Cap1 card, you should definitely stay away from this card. Just build credit up with the current card (at least 6 months) and then app for some nice cards ( Discover, Chase, Citi, BofA, and etc.) 

[BarryNTexas]

If your CapOne is an old orchard bank then maybe consider a secured card route.  Been there done that... served a purpose of course.

[Anonymous]

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@heavenli wrote:

Hello,

I went to see last week if I had a prequalification from them and I didn't. Should I apply? Or should I take that as a denial? It was a soft pull they said that will not affect my credit.Is there a recon number?

Thanks,

---

I would avoid these people like the plague.

Check out the Rebuilding your credit sub forum. Post what you have currently on your credit reports: Open / Closed  accounts, Negatives, Positives, Average Age of Accounts, and Inquiries.

Perhaps we can help lead you in a better direction.

[-Wade-]

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@Anonymous wrote:

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@heavenli wrote:

Hello,

I went to see last week if I had a prequalification from them and I didn't. Should I apply? Or should I take that as a denial? It was a soft pull they said that will not affect my credit.Is there a recon number?

Thanks,

---

I would avoid these people like the plague.

Check out the Rebuilding your credit sub forum. Post what you have currently on your credit reports: Open / Closed  accounts, Negatives, Positives, Average Age of Accounts, and Inquiries.

Perhaps we can help lead you in a better direction.

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I have to agree, they are nothing  but crooks