From the amount of "pre-approved" offers that I'm receiving from Capital One, they must be looking for new customers now. They have done soft inquiries and I am meeting their standards, at least for sending out an offer. During the time of recent inquiries, my utilization has been high: 55-65%. Several cards are really high: one has been $40-43K against a $46K limit. My credit is perfect: no negatives of any kind and newest inquiry is 2 years old.
The offers are for 0% interest for a year. CapOne always does BTs with no transfer fee. Capital One does do hard inquiries on all 3 CRAs. Their limits are low compared to others. My two existing CapOne accounts are $18K and $20K, which makes them lower than most of my accounts.
I also know what to do to stay out of trouble but was almost wiped out by my ex-wife. I'm digging out now but have huge revolving debt showing on my reports. I just need to get it down before the 0%, 2.99%, and 4.99% balances start to end next year.
Good Luck!
