Getting COLD with Capital One

[Anonymous]

Since Capiral One loves to HP apps for fun, all three at the time.  I am wondering,  those who have all their reports frozen, if they were to unfreeze only one and apply for QS, what would happen?  Any info you can share?  Thanks.

[jamesdwi]

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@Anonymous wrote:

Since Capiral One loves to HP apps for fun, all three at the time.  I am wondering,  those who have all their reports frozen, if they were to unfreeze only one and apply for QS, what would happen?  Any info you can share?  Thanks.

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not sure why you would think that a QS card is worth the cost of a single HP much less 3, there are other cards with better rewards that only cost a single HP, With scores like your, I would expect you to be good for Sallie Mae or US Bank cash+ card, or the FIA 2% amex, Sam's club MC  as well. CapOne isn't all that great. 

[Anonymous]

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@jamesdwi wrote:

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@Anonymous wrote:

Since Capiral One loves to HP apps for fun, all three at the time.  I am wondering,  those who have all their reports frozen, if they were to unfreeze only one and apply for QS, what would happen?  Any info you can share?  Thanks.

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not sure why you would think that a QS card is worth the cost of a single HP much less 3, there are other cards with better rewards that only cost a single HP, With scores like your, I would expect you to be good for Sallie Mae or US Bank cash+ card, or the FIA 2% amex, Sam's club MC  as well. CapOne isn't all that great. 

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It has an excellent redemption scheme, rewards post with transactions and no minimum to redeem.  + no FTF.

[Anonymous]

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@jamesdwi wrote:

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@Anonymous wrote:

Since Capiral One loves to HP apps for fun, all three at the time.  I am wondering,  those who have all their reports frozen, if they were to unfreeze only one and apply for QS, what would happen?  Any info you can share?  Thanks.

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not sure why you would think that a QS card is worth the cost of a single HP much less 3, there are other cards with better rewards that only cost a single HP, With scores like your, I would expect you to be good for Sallie Mae or US Bank cash+ card, or the FIA 2% amex, Sam's club MC  as well. CapOne isn't all that great. 

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Thanks.  All you said MAY be TRUE, but that was not the question...

 I haven't frozen anything, ever, but I may one day.  Today, I have curiosity about what would be the credit logistics of that situation for Capital One.  What would they do, what have they done.  Any info would be appreciated.

[myjourney]

The forum does not condone the discussion of freezing reports to try and have a lender pull others. 

[Anonymous]

Sorry, but I not condoning nor promoting anything.  As I said, I have never frozen anything.  However, I have intellectual curiosity about the credit world, and I am curious about what has actually happened in the past.  Just a factual historical account, not promoting anything.  What did Capital One do when in that situation.  That's all.

[myjourney]

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@Anonymous wrote:

Sorry, but I not condoning nor promoting anything.  As I said, I have never frozen anything.  However, I have intellectual curiosity about the credit world, and I am curious about what has actually happened in the past.  Just a factual historical account, not promoting anything.  What did Capital One do when in that situation.  That's all.

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Your still asking question about what is not to be discussed and making an attempt to keep this topic going...

Sorry but again its not to be discussed 

[09Lexie]

Lenders may refuse to process an application  or call and ask you to unfreeze. The purpose of freezing reports as you know is to not allow HP's without your consent - via a pin or unfreezing.  Therefore, apping while having accounts frozen would lead to unnecessary delays in processing and may lead to a straight denial. 

[Anonymous]

I would go with the double cash from citi

[SunriseEarth]

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@09Lexie wrote:

Lenders may refuse to process an application  or call and ask you to unfreeze. The purpose of freezing reports as you know is to not allow HP's without your consent - via a pin or unfreezing.  Therefore, apping while having accounts frozen would lead to unnecessary delays in processing and may lead to a straight denial. 

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+1.   Furthermore, I do have to agree with our community leader's caution regarding discussion of purposely freezing CRs to manipulate an application.   

Capital One is certainly known for pulling from all three major CRAs (and Innovis) to open accounts.   However, they also don't do HPs to do CLIs or PC, whereas many other lenders do.   Also, many other lenders commonly pull from two CRAs for borderline applicants.    So yes, if you apply for QS today, you might get 3 HPs today and then never get another one pertaining to that card.   You could have Double Cash pull once on EX and then you'd have to do a 2nd pull for a decent CL, and then another HP 6 months later for another CLI.  It really depends on your goals, I suppose, but Cap One, even with more initial HPs, might save you some HPs down the road.