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When to App for another Capital One

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Anonymous
Not applicable

When to App for another Capital One

I originally apped for QS1 and got it. Denied Venture and Platinum. I called about the platinum and they said they would have to do another hard pull. So I declined. The reason for the decline was I had an app processing or being proccessed which was the approval for the QS1.

 

So, when do I apply again for a platnum, Venture one and eventually when my scores are high enough a venture/QS.

The goal is to combine and just keep the venture/QS. I am not sure what is world mastercard and visa signature or whatever i see around these forums. Just thought I could ask as well. I am sure some meanie will come and say go look it up but I don't have that time atm. 

 

Kind regards,

Archangel

52 REPLIES 52
Chris679
Established Contributor

Re: When to App for another Capital One

If I am reading this right and you just opened three new accounts then I would wait 12 months to apply for anything else.

Message 2 of 53
EAJuggalo
Established Contributor

Re: When to App for another Capital One

Platinum you should be able to get in a month or two.  Venture one is about the same level if not a little higher than the QS, and both are considered below the Venture.  Stories around here are the Platinum can be turned into the standard QS at 3-4 months.  I'd suggest not even thinking about a Venture or V1 until scores are 700.  Visa Signature and World Mastercard are generally high limit cards that have some additional benefits, they usually come with higher annual fees and better rewards as well.

EX700 TU 704 EQ 694 4/03/22
Cap1 QS-$4,500 Chase Freedom Flex- $800 Chase Freedom Unlimited- $1,000 Victoria's Secret- $1,200 Citi DC- $800 Amazon Store Card- $3,500 AMEX Hilton Honors-$1,000 Discover It-$1,000 Wal-Mart MC $290 Chase Sapphire Preferred-$5,000 NFCU Flagship $13,800 AMEX BCE-$1,000 AMEX Gold-$5,000 AMEX Delta Blue $1,000 Lowe's $5,000 Navy Platinum $17,000 AMEX BBP $2,000
Message 3 of 53
UncleB
Credit Mentor

Re: When to App for another Capital One


@Anonymous wrote:

I originally apped for QS1 and got it. Denied Venture and Platinum. I called about the platinum and they said they would have to do another hard pull. So I declined. The reason for the decline was I had an app processing or being proccessed which was the approval for the QS1.

 

So, when do I apply again for a platnum, Venture one and eventually when my scores are high enough a venture/QS.

The goal is to combine and just keep the venture/QS. I am not sure what is world mastercard and visa signature or whatever i see around these forums. Just thought I could ask as well. I am sure some meanie will come and say go look it up but I don't have that time atm. 

 

Kind regards,

Archangel


Judging from your nice QS1 approval and your scores, I would say you're really close to being qualified for a Venture or QS, if you're not already. 

 

How long you should wait is strictly a judgement call... some folks will tell you to "go for it" as soon as you want, others will say to wait varying amounts of time.

 

Here's my 2¢... if it were me, I would start checking out the Capital One pre-qual page every two-three weeks or so.  It might not have anything for you right away since your QS1 is so new, but once you get an offer for a Venture or QS with a set APR, it's likely to be solid. (Here's the usual disclaimer... the pre-qual isn't a guarantee, but with most folks around here it's usually accurate, as always, YMMV).

 

That being said, there are several people on here who report applying for either Venture or the QS without a pre-qual offer, and getting approved, so a pre-qual certainly isn't required, but it will possibly save you the 'triple pull' if you're border-line or concerned about inquiries.  I would be surprised if you didn't have an offer for either Venture or QS in three to six months, but that's just my speculation.

 

Whatever you eventually decide, good luck!  Smiley Wink

Message 4 of 53
myjourney
Super Contributor

Re: When to App for another Capital One


@Anonymous wrote:

I originally apped for QS1 and got it. Denied Venture and Platinum. I called about the platinum and they said they would have to do another hard pull. So I declined. The reason for the decline was I had an app processing or being proccessed which was the approval for the QS1.

 

So, when do I apply again for a platnum, Venture one and eventually when my scores are high enough a venture/QS.

The goal is to combine and just keep the venture/QS. I am not sure what is world mastercard and visa signature or whatever i see around these forums. Just thought I could ask as well. I am sure some meanie will come and say go look it up but I don't have that time atm. 

 

Kind regards,

Archangel


Now you knew someone would come along with the tough question Archange1

Present and accounted for...Lol

 

Sooooo other than the reason above you stated why do you want the card and is it that important to you that you just can't chill for awhile to guarantee approval at a good limit and rate? 

 

History: I ask the tough question to better help and further ones profile and healthSmiley Tongue

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 5 of 53
Anonymous
Not applicable

Re: When to App for another Capital One

Thanks everyone for the nice replies. I appreciate your help as always

 


@myjourney wrote:

@Anonymous wrote:

I originally apped for QS1 and got it. Denied Venture and Platinum. I called about the platinum and they said they would have to do another hard pull. So I declined. The reason for the decline was I had an app processing or being proccessed which was the approval for the QS1.

 

So, when do I apply again for a platnum, Venture one and eventually when my scores are high enough a venture/QS.

The goal is to combine and just keep the venture/QS. I am not sure what is world mastercard and visa signature or whatever i see around these forums. Just thought I could ask as well. I am sure some meanie will come and say go look it up but I don't have that time atm. 

 

Kind regards,

Archangel


Now you knew someone would come along with the tough question Archange1

Present and accounted for...Lol

 

Sooooo other than the reason above you stated why do you want the card and is it that important to you that you just can't chill for awhile to guarantee approval at a good limit and rate? 

 

History: I ask the tough question to better help and further ones profile and healthSmiley Tongue


I can wait, I just need to know when because I really want to raise my credit limit as it says in my goal. 25-50k on each card.

It's like a video game but in real life. Gotta get the highest scores and "catch um all" Smiley Happy Like, I went to get a BS in Biochemistry just to get one. Maybe medical school just for the title:/ Save lives as well but in the end, I really like playing life like a game. As for this credit thing, I just got in to it this month. I am really addicted :/ I may need psychological help

Message 6 of 53
Anonymous
Not applicable

Re: When to App for another Capital One

Never. Capital one credit cards are starter cards, there's not much point in getting more than one as it's the same benefits. Apply for a different card issuer.

Message 7 of 53
myjourney
Super Contributor

Re: When to App for another Capital One


@Anonymous wrote:

Thanks everyone for the nice replies. I appreciate your help as always

 


@myjourney wrote:

@Anonymous wrote:

I originally apped for QS1 and got it. Denied Venture and Platinum. I called about the platinum and they said they would have to do another hard pull. So I declined. The reason for the decline was I had an app processing or being proccessed which was the approval for the QS1.

 

So, when do I apply again for a platnum, Venture one and eventually when my scores are high enough a venture/QS.

The goal is to combine and just keep the venture/QS. I am not sure what is world mastercard and visa signature or whatever i see around these forums. Just thought I could ask as well. I am sure some meanie will come and say go look it up but I don't have that time atm. 

 

Kind regards,

Archangel


Now you knew someone would come along with the tough question Archange1

Present and accounted for...Lol

 

Sooooo other than the reason above you stated why do you want the card and is it that important to you that you just can't chill for awhile to guarantee approval at a good limit and rate? 

 

History: I ask the tough question to better help and further ones profile and healthSmiley Tongue


I can wait, I just need to know when because I really want to raise my credit limit as it says in my goal. 25-50k on each card. May take years just like all the degree programs needed listed below Smiley Wink

It's like a video game but in real life. Gotta get the highest scores and "catch um all" Smiley Happy Like, I went to get a BS in Biochemistry just to get one. Maybe medical school just for the title:/ Save lives as well but in the end, I really like playing life like a game. As for this credit thing, I just got in to it this month. I am really addicted :/ I may need [sychological help


Now the blue section you may be on to something Lol 

Either way pls slow down and absorb the info or it will take you much longer to fulfill your dreams 

Good luck 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Message 8 of 53
FinStar
Moderator Emeritus

Re: When to App for another Capital One


@myjourney wrote:

@Anonymous wrote:

Thanks everyone for the nice replies. I appreciate your help as always

 


@myjourney wrote:

@Anonymous wrote:

I originally apped for QS1 and got it. Denied Venture and Platinum. I called about the platinum and they said they would have to do another hard pull. So I declined. The reason for the decline was I had an app processing or being proccessed which was the approval for the QS1.

 

So, when do I apply again for a platnum, Venture one and eventually when my scores are high enough a venture/QS.

The goal is to combine and just keep the venture/QS. I am not sure what is world mastercard and visa signature or whatever i see around these forums. Just thought I could ask as well. I am sure some meanie will come and say go look it up but I don't have that time atm. 

 

Kind regards,

Archangel


Now you knew someone would come along with the tough question Archange1

Present and accounted for...Lol

 

Sooooo other than the reason above you stated why do you want the card and is it that important to you that you just can't chill for awhile to guarantee approval at a good limit and rate? 

 

History: I ask the tough question to better help and further ones profile and healthSmiley Tongue


I can wait, I just need to know when because I really want to raise my credit limit as it says in my goal. 25-50k on each card. May take years just like all the degree programs needed listed below Smiley Wink

It's like a video game but in real life. Gotta get the highest scores and "catch um all" Smiley Happy Like, I went to get a BS in Biochemistry just to get one. Maybe medical school just for the title:/ Save lives as well but in the end, I really like playing life like a game. As for this credit thing, I just got in to it this month. I am really addicted :/ I may need [sychological help


Now the blue section you may be on to something Lol 

Either way pls slow down and absorb the info or it will take you much longer to fulfill your dreams 

Good luck 


Agree with myjourney OP.  While it's a lofty goal for sure, 50K CLs on single CCs are by no means something you can achieve overnight.  Your income has to support it in addition to a variety of factors with your profile.

Message 9 of 53
Anonymous
Not applicable

Re: When to App for another Capital One

how come you're trying for a platinum though? seems... pointless based on what you have and your goals.. that's moving backwards
Message 10 of 53
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