How solid are Capital One pre approvals?

[simi_go]

So my BK should be discharged in 10 days, I am starting to look at preapproval sites, and today I get this from Captial One.  What I am wondering is how solid are these Pre approvals?  I have always gotten the we can not match you to a card message before today.  Also it says pre-qualified, not pre-approved.  Is that a difference with Captial One?

[Anonymous]

I would guess pretty strong.  My credit score was in the 705-730 range and I can't get a preapproval due to minimal credit history.

[simi_go]

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@Anonymous wrote:

I would guess pretty strong.  My credit score was in the 705-730 range and I can't get a preapproval due to minimal credit history.

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Thanks for the input.  Your credit is probably too good for them lol.  Anyone else wanna chime in?

[ExplicitElicit]

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@simi_go wrote:

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@Anonymous wrote:

I would guess pretty strong.  My credit score was in the 705-730 range and I can't get a preapproval due to minimal credit history.

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Thanks for the input.  Your credit is probably too good for them lol.  Anyone else wanna chime in?

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 I can't give input as far as approval but we have the same name and I find it rare I find someone with my name!

[Anonymous]

Take a look around the site for Capital One threads of CLI's.  People seem to get angry when Capital One is weak on the approval for such credit line increases.  Just realize this and take it into consideration for your decision.

Also, the offers are pretty true, as long as you haven't made any hard pulls against your credit report either right before or since the pre-qualify.  At least that's my experience with other company pre-quals.

[simi_go]

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@ExplicitElicit wrote:

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@simi_go wrote:

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@Anonymous wrote:

I would guess pretty strong.  My credit score was in the 705-730 range and I can't get a preapproval due to minimal credit history.

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Thanks for the input.  Your credit is probably too good for them lol.  Anyone else wanna chime in?

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 I can't give input as far as approval but we have the same name and I find it rare I find someone with my name!

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Yep there aren't that many of us Bradley's out there.

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@Anonymous wrote:

Take a look around the site for Capital One threads of CLI's.  People seem to get angry when Capital One is weak on the approval for such credit line increases.  Just realize this and take it into consideration for your decision.

Also, the offers are pretty true, as long as you haven't made any hard pulls against your credit report either right before or since the pre-qualify.  At least that's my experience with other company pre-quals.

I understand that the starting CL is probably going to be crap, and that the CLI will be crap as well, but coming out of BK this is gonna be one of my best options if avaliable.  So I can't wait to app for the Quicksilver in 10 days.

[Anonymous]

Cap One is BK friendly if you did nto burn them but you might want to wait until your bK is discharged and reporting

[One7]

I agree with how crappy Cap 1 is overall. Usually low CLs and they pull all your CRs with HPs,  but they do help. I'd say the pre approval must be pretty good, I try every month and have never gotten a pre approval from them. Good luck

[Skye12329]

Personally i dont think they work for me, i have a card with them already, however i check the pre-qual. That one question of what your interested in or hows your credit i think screws up the results. I have tried all different answers and will get these are the cards you are pre-qual for.

[coldnmn]

When I tried when I first started rebuilding my offer was for a platinum card with an annual fee. At the time I didn't realize how difficult it would be getting a credit card and didn't apply. A month later they sent me a preapproval for a no annual fee and I applied and got it with a $300 CL. They must have sent it because of me checking that site as I never had one in the mail before. With that thinking you should have a chance. Good Luck!