Should i try some more apps?

[Legions36]

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@Creditaddict wrote:

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@Legions36 wrote:

Ok so i just closed my Cap1 secured card with a limit of $2000 that i maxed deposited on. Do u guys think its worth it for me to apply for the quicksilver card since i already have dealings with them? I have that orch bank card but they wont budge on upgrades or cli since its still in transition with them? 

Or what do u think im better than them now? Anyone know who they pull when u apply?

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I would do the pre-qual and if you get an offer for quicksilver then certainly apply for it.

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Well i just tried the pre-qual again and the usual "we couldn't match your records to a card but we think u might like". I really don't get these guys, how can i get pre-qual for chase slate and freedom but not for cap1? 

[09Lexie]

Pulling all 3 bureaus is SOP for Cap 1. It sounds like you are unhappy with Cap 1, so I'm having a hard time understanding why you'd want another cc.

To add, different lenders obviously have different UW criteria. Some tout the pre-qual sites as the end all be all. I rather not get my hopes up on a pre-qual, rather app when your CR's are in the best condition got approval.

[Legions36]

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@09Lexie wrote:
Pulling all 3 bureaus is SOP for Cap 1. It sounds like you are unhappy with Cap 1, so I'm having a hard time understanding why you'd want another cc.

To add, different lenders obviously have different UW criteria. Some tout the pre-qual sites as the end all be all. I rather not get my hopes up on a pre-qual, rather app when your CR's are in the best condition got approval.

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Ahh now that u mention the 3 bureaus pull maybe because that dispute i have with experian is the reason the prequal isn't going threw? Lets see what happens within the week when its gets resolved, then i will try the prequal again. But im not happy because i feel that Cap1 is cheep. Im a good customer and deserve better than what they are doing.

[09Lexie]

To my point, why app for a lender if you feel they are not seeing you at your worth, there are more fish in the sea...Just my .02