How should i Use my Capital one card?

[Anonymous]

What do you think my chances are of getting Venture over QS? Is that out of the realm of possibilities?

[wacdenney]

I use my Capital One card to keep my socks from getting lonely.  That's how I use mine...

[Anonymous]

This is my opinion of how "easy" the cards are to get listed in order from easiest to hardest.
1. QS1
2. Venture1
3. Venture
4. QS

I assume you are talking about the "One" versions of the cards, and it is hard to say without knowing more about your profile. What are your credit scores? Which CapOne cards do have now, and how old are they?

[Anonymous]

QS1 and Platinum are easiest to get. I have the Secured, checked prequal, gave me QS1 and Platinum options. I went Plat bc I detest AF's...yet now I have no rewards building.

Your call, but hey, I'm a high 500 FICO/mid 600 FAKO and the official Cap1 site is legit IMO for preapprovals.

Venture appears to be for a higher ranking of true FICO 680+ IMO.

Also, call Cap1 and ask for your statement date. Their customer service is wonderful. Statement date is the day you want the low Utilization. They Will post on your statement your highest charge, how much you owe on statement date, and billing date.(the highest amount charged total, amount due and utilization posted to my CR)

[1Rebuilding]

My suggestion is if you get one immediately apply for a second and save yourself the second hard inquiry.  I applied for a QS1 around 4 weeks post Chapter 13 discharge and was able to get a card with a $3,000 CL.  After being a member on this board and seeing a lot of members having success getting two cards back to back I decided to try the QS card (I received a mailer).  I took my shot and received a QS card at another $3,000 limit.  Unfortunately, I was dinged again with another hard inquiry since it was 4 weeks later.  I know the 2 nd unsecured card with a $3,000 limit will more than make up for the hard inquiry when it reports.  However, if I only had some more knowledge at the time I could have saved a few points on my Fico Score.

[Anonymous]

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@wacdenney wrote:

I use my Capital One card to keep my socks from getting lonely.  That's how I use mine...

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LOL@ wacdenney! Party in the sock drawer!

[Anonymous]

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@Anonymous wrote:
What do you think my chances are of getting Venture over QS? Is that out of the realm of possibilities?

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I don't think a Venture is real possibility when you have a secured Capital One and a FIngerhut crad. May not even be able to get a Quicksilver in that situation.