Store cards backed by Cap One

[Cheryla18]

There are 2  store cards I want that are backed by Cap One. I am  currently rebuilding. I did just get the QS in Dec and my Maurice's card also transferred to Cap One in Dec. I have not app'ed for a store card from them. Does anyone know if those cards are easier to qualify for?

[TXinandout]

Easier to qualify and also known for low starting credit lines.

[Anonymous]

They gave me my Kohls card last February when I only had 2 months of credit history. I was shocked at the approval because both Comenity and Synchrony refused to give me a store card because of my lack of credit history.

At that time I had a cap1 secured card for 1-2 months.

[Anonymous]

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@Cheryla18 wrote:

There are 2  store cards I want that are backed by Cap One. I am  currently rebuilding. I did just get the QS in Dec and my Maurice's card also transferred to Cap One in Dec. I have not app'ed for a store card from them. Does anyone know if those cards are easier to qualify for?

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If it were me, I would give it a few months, let Cap1 and Maurice report good payment history, accounts age, and AAoA to age some.  Your scores need to rebound before you attempt to add more cards.  From my experience, Cap1 has not been generous with their store cards like Comenity bank or Synchrony bank.  Even Macy's backed by Citi has been more generous.  It would be a shame for your scores to suffer right now for a low limit approval that will not grow probably beyond $3k.

[Cheryla18]

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@Anonymous wrote:

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@Cheryla18 wrote:

There are 2  store cards I want that are backed by Cap One. I am  currently rebuilding. I did just get the QS in Dec and my Maurice's card also transferred to Cap One in Dec. I have not app'ed for a store card from them. Does anyone know if those cards are easier to qualify for?

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If it were me, I would give it a few months, let Cap1 and Maurice report good payment history, accounts age, and AAoA to age some.  Your scores need to rebound before you attempt to add more cards.  From my experience, Cap1 has not been generous with their store cards like Comenity bank or Synchrony bank.  Even Macy's backed by Citi has been more generous.  It would be a shame for your scores to suffer right now for a low limit approval that will not grow probably beyond $3k.

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Thank you for the information. I appreciate it!