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Minimum FICO Score For Capital One

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Anonymous
Not applicable

Re: Minimum FICO Score For Capital One

Capital One denied me the platinum card card with a 646-656 across the board. Not sure what they look for. With your scores, Synchrony (might) offer you a store card. I got Wal-Mart $300, Belk's $200 and Kohl's $300. The reason I suggest Synchrony is because my wife has $29,000 in charge offs and they gave her an Amazon card for $600. I figure nobody's credit is more nasty than hers and stay away from Credit One Bank.

Message 11 of 18
Anonymous
Not applicable

Re: Minimum FICO Score For Capital One

lol way to diss your wife publicly hahahah. jk. anyway do you remember your denial reason...? i have seen people get the QS1 and even QS with those scores. and existing holders have "supposedly" gotten the venture with scores like that and lower too.
Message 12 of 18
takeshi74
Senior Contributor

Re: Minimum FICO Score For Capital One


@Cotton_Britches wrote:

I can't find the site who pulled my credit. Is there a link somewhere for it? 


While this isn't Who Pulled My Credit, you can also use the first Google hit if you search on "who pulled my credit".

 


@Cotton_Britches wrote:

Anyone know the minimum score required for a Capital One starter card/rebuilder card? My highest score at the moment is FICO 585 on Equifax. 


Don't rely on just one score.  Creditors can perform multiple pulls -- especially in borderline cases.  Also always consider the specific scoring model.  Does CO use the FICO model you're relying on?

Message 13 of 18
Anonymous
Not applicable

Re: Minimum FICO Score For Capital One

I don't know what my actual fico scores were at the time but my Fako scores were somewhere between high 500s and low 600s. Got approved for Platinum and No Hassle Rewards both at $1000

Message 14 of 18
SunriseEarth
Moderator Emeritus

Re: Minimum FICO Score For Capital One


@Cotton_Britches wrote:

Anyone know the minimum score required for a Capital One starter card/rebuilder card? My highest score at the moment is FICO 585 on Equifax. 


I would try the prequalifier.   When I was over at the Cap One site yesterday, I noticed a very interesting rebuilder card.   They give you a line of $100 and then see how you can handle it for a few months.   It doesn't sound like it reports until that period is over, but it could be a good way to build history.  



Start: 619 (TU08, 9/2013) | Current: 809 (TU08, 3/05/24)
BofA CCR WMC $75000 | AMEX Cash Magnet $64000 | Discover IT $46000 | Disney Premier VS $43600 | Venmo VS $30000 | NFCU More Rewards AMEX $25000 | Macy's AMEX $25000 Store $25000 | Cash+ VS $25000 | Altitude Go VS $25000 | Synchrony Premier $24,200 | Sony Card VS $23750 | GS Apple Card WEMC $22000 | WF Active Cash VS $18,000 | Jared Gold Card $16000 | FNBO Evergreen VS $15000 | Citi Custom Cash MC $14600 | Target MC $14500 | BMO Harris Cash Back MC $14000 | Amazon VS $12000 | Freedom Flex WEMC $10000 | Belk MC $10000 | Wayfair MC $4500 ~~
Message 15 of 18
Anonymous
Not applicable

Re: Minimum FICO Score For Capital One

My low was 601 TU high was 655 EX they pulled EX on me..
Message 16 of 18
Cotton_Britches
Frequent Contributor

$100? TRe: Minimum FICO Score For Capital One

$100? That sounds like a partially secured credit card. I know Cap One offers those as well. 

“Faith is taking the first step even when you don’t see the whole staircase.”
Message 17 of 18
Anonymous
Not applicable

Re: $100? TRe: Minimum FICO Score For Capital One

I was 30 days out of discharged CH7 BK with a 521 score and was approved for a platinum MC with a $300 SL. C-1 was included.

Message 18 of 18
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