Orbitz Visa by Capital One

[Creditaddict]

They have 2 choices, "Average" Credit Application and "Excellent" Credit Application.

Average no intro and 24.9% APR

Excellent 0% for almost full year and APR as low as 9%

Now can I assume that if you apply for Average you will get the same $300 or $500 Starting Credit Line that they are famous for and you will get 1 Credit Step after 6th Satement?  If you apply for Excellent will they counter Average?

[injustifiiable]

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@Creditaddict wrote:

They have 2 choices, "Average" Credit Application and "Excellent" Credit Application.

Average no intro and 24.9% APR

Excellent 0% for almost full year and APR as low as 9%

Now can I assume that if you apply for Average you will get the same $300 or $500 Starting Credit Line that they are famous for and you will get 1 Credit Step after 6th Satement?  If you apply for Excellent will they counter Average?

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Well..."average" credit line could go UP to $3,000...assuming you are on the upper end of their "average" scale. If your credit is on the lower end, I wouldn't bet on it going that high, definitely.

[LS2982]

It's Cap1, I'd steer clear from the average credit its liable to be a non growing low CL card.

[trumpet-205]

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@Creditaddict wrote:

They have 2 choices, "Average" Credit Application and "Excellent" Credit Application.

Average no intro and 24.9% APR

Excellent 0% for almost full year and APR as low as 9%

Now can I assume that if you apply for Average you will get the same $300 or $500 Starting Credit Line that they are famous for and you will get 1 Credit Step after 6th Satement?  If you apply for Excellent will they counter Average?

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Nope, Cap 1 doesn't counter. Do look into excellent criteria. It is recommended that you met the criteria before apping excellent one.

[jsucool76]

Gosh, everyone hates on Cap1 so much. Haha.

But yeah, most of their cards have the 2 different options, the average, and excellent. I think the APR is probably the main difference. For people who plan on carrying a balance, the lack of an intro APR can end up making cap1 a lot of money on the average card. 

[john398]

I wonder if you get denied automatically if you have too many capital 1 products, I have 2 cap 1 plat and 1 sony and I got auto denied for the MTV card

[trumpet-205]

What CL do you have for that Sony card? I'm tempted on either the Sony card or Playstation card.

[jsucool76]

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@john398 wrote:

I wonder if you get denied automatically if you have too many capital 1 products, I have 2 cap 1 plat and 1 sony and I got auto denied for the MTV card

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The max Cap1 cards you can have is 2. This includes HSBC cards now too I believe. The way they make you do it, is you have to close one, wait 45 days I think, and then apply for the new one, They very rarely do PCs. 

[Ron1]

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@jsucool76 wrote:

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@john398 wrote:

I wonder if you get denied automatically if you have too many capital 1 products, I have 2 cap 1 plat and 1 sony and I got auto denied for the MTV card

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The max Cap1 cards you can have is 2. This includes HSBC cards now too I believe. The way they make you do it, is you have to close one, wait 45 days I think, and then apply for the new one, They very rarely do PCs. 

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I don't think they will approve me with any card. They pulled all three. No thanks.

Ron.

[RockinRay]

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@Ron1 wrote:

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@jsucool76 wrote:

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@john398 wrote:

I wonder if you get denied automatically if you have too many capital 1 products, I have 2 cap 1 plat and 1 sony and I got auto denied for the MTV card

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The max Cap1 cards you can have is 2. This includes HSBC cards now too I believe. The way they make you do it, is you have to close one, wait 45 days I think, and then apply for the new one, They very rarely do PCs. 

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I don't think they will approve me with any card. They pulled all three. No thanks.

Ron.

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Ron - 

I just got the Venture Siggy Visa card with a $5k line... I bet they would give you a card for sure...