Lost

[Anonymous]

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@radfam wrote:

Ok so on my revolving credit accounts to get my three accounts.  I have gone on to the Cap1 prequal page and entered my info, with "rebuilding" as my status.  I got two offers:  Platinum and QS1.  Not sure how to proceed on these, if at all. 

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Apply for both - back to back - then it will only count as ONE hard pull for inquiry. 

[radfam]

I got approved $1000 on platinum.  Haven't done QS1 yet.

[sid33]

Congrats!  

[Anonymous]

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@radfam wrote:

I got approved $1000 on platinum.  Haven't done QS1 yet.

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Cap One you want to do both on the same day so it only counts as ONE inquiry..... Hopefully you were able to do it.......

[radfam]

I did the second one about ten min after the first, but was denied on QS1.  I had found some posts (after I had already done it) that said the faster you do it between, potentially the more likely for approval.  I don't know if there truly is a correlation there but either way, I was only approved for one card.  I'm happy with the one approval.  Stinks on the QS1 but this is a rebuilding journey so I am thankful that I was able to start somewhere better than I expected.

[Anonymous]

Once your account is setup online, go to the autopay manager and set up autopay for the minimum payment due.

Make this a habit with all accounts.

What I do is I have a separate checking account that I use for all my payments and I keep a hefty balance in there since autopays can come out in case I am injured or sick or trapped in a thirld world prison.

[Anonymous]

Capital one allows only one credit line every six months, you can't get the second one before then. Dv

[Anonymous]

You can't have 2 credit cards within 6 months, not credit lines sorry for the mis wording. Dv

[Anonymous]

My husband had the same thing happen.   After a couple months he was able to get some other cards..... Has all the Home Center cards (HD, Lowes, Menards); BuyPower (which is a CapOne card); and a Venture Card now...... you'll get there....

[radfam]

I've considered creating a second checking account solely for filtering autopays towards.  My husband and I have a joint bank account, so it may make things more simple if we do autopay bills on one account only and just keep a larger balance on that account. 

I was able to add the Plat card to my account, but have to wait until the card comes to set up autopay from what I can tell.  Moving all of our existing bills to autopay has already started and will continue today.