Lowest Fico Score For CapOne Platinum Mastercard?

[Anonymous]

What is the lowest fico score you seen Capital One take to open their Platinum Mastercards? Just Curious to know...

[Anonymous]

I really couldn't tell you, but I can tell you that I was sent a PreApproval through the mail almost two years ago from Cap One and I had ZERO open credit, a one year old foreclosure, a 2nd mortgage Charge-Off and a Federal Tax Lien.  It was the Credit Steps program and I was approved instantly for $1000.  I had NEVER had a limit that high before.  It went to $2500 in 7 months.

Good luck!

[Anonymous]

Kool thanks for sharing!!!

[Organiclover1]

I don't have a fico score yet, but my Fakos are Ex 654 Eq 644 Trans 710, only baddie is a paid state tax lien. I was decline in June & Sept for Capitol One Plat & Quicksilver One, as well as secured. I have Store cards all in good standing since June, & AU for 2 credit cards with low usage. The reasons for my denials were lack of credit.

I also tried to recon several times with no luck. I don't get how some people get approved with several baddies, bankruptcy, etc.

[Anonymous]

I agree, Organiclover1. I don't understand it either. I can't get approved for a Synchrony card ever. First time I tried was about 6 years ago. Denied. Tried Walmart a year ago with a preapproval offer, denied. Tried PayPal Smart Connect, denied. I give up. Comenity Bank seems to give me whatever I have been SP preapproved for.

[Anonymous]

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@Organiclover1 wrote:

I don't have a fico score yet, but my Fakos are Ex 654 Eq 644 Trans 710, only baddie is a paid state tax lien. I was decline in June & Sept for Capitol One Plat & Quicksilver One, as well as secured. I have Store cards all in good standing since June, & AU for 2 credit cards with low usage. The reasons for my denials were lack of credit.

I also tried to recon several times with no luck. I don't get how some people get approved with several baddies, bankruptcy, etc.

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Well it depends on the severity of the baddies and how long since they occured. For example, a person can show responsible credit use years after a BK that will show lenders they can be dependable to pay back.

[Anonymous]

FYI Capital One does 3 hard pulls, one for each.  So you might want to consider looking elsewhere if you can.  Some other places will only do 1 hp, or 2.  I think C1 is the only one that does 3.  But I'm not sure who else to recommend to try applying for a low score card.

[tomfromrictmame]

Whogavemecredit might be an interesting resource for you.

[mongstradamus]

With scores in the 500's i wouldn't even try and go for an regular credit card, i would look at secured card first. One of the favorites around here is the boa one which can be converted to an 3-2-1 secured card, so you can actually get some cash back while rebuilding your credit. If i were in your shoes that is how i would go about trying to get your scores up, so you can apply for better cards down the road. 

[Anonymous]

I agree with Mong b/c I didn't notice your CS are so low.  I would only do a secure card application.  You'll be denied for a non-secure card.  Maybe go with 2 secure cards to help build your credit repair faster.