Cap1 QS approved

Just checked in to the Palazzo and figured we'd give it a shot. DW just got approved for a Cap1 Quicksilver with a $3k limit and 17.9% APR exactly one month after opening a 99/500 BofA Secured CC. To to make a long story short, she had a rough patch with her credit a few years back and has been afraid to pull her credit since. Most of her baddies should have fallen off by now, except her Student Loans. I told her to stop being afraid and just go for it, like it or not, credit is a necessary evil. You should've seen her jaw drop when it came back approved! This trip is starting off on a good note

absoluttiger wrote:
Congrats to her! Awesome feeling.
Thank you, yes she is very happy. I've always had to gently nudge her, so she's happy when she gets results! I think both of us having been through it before will be easier for her to avoid pitfalls. I didn't put her as AU on my cards so she'd want her own credit, and I'm glad she'll be back on track in no time! BofA sent her a few pre-approvals for the secured card before I got her to send one back. I told her at this point she had nothing to worry about. After that approval she tried for Discover but that was a turn down. I had forgotten Cap1 had a pre-qual checker and there it was for her, so i told her, "Hey we're in Vegas, try tor luck!"

Similar Messages

Capital One Approved - Verification

This is probably more of a rant than anything else, but might be useful to others. On Wednesday, July 8th, we applied for my wife's first credit card. She is a green card holder, her social is over a year old. Chase had denied her, but Capital One showed pre-approved for the QS1. Applied, instant approval for 3.5k... I was amazed, her credit report is nothing but AU on my new cards. Friday morning we got a call from fraud for verification, no big deal. We were not at home at the time, so it went to voice mail. We just called, one business day later, and they said the case is already closed... **bleep**. After realizing the CSR (who was polite and professional) could not help I asked for a supervisor (my wife and I were on speaker phone, she had authorized me to speak on her behalf). Supervisor tried to give us the same story, said it was closed because the SSN was incorrect. Her solution, apply again and take 3 more HP. I became, slightly, less polite and questioned how they claimed her US Government issued SSN was invalid, the same one entered that said pre-approved. Finally they agreed to re-open and asked for the standard copy of ID, SSN card, and bank statement. Should be good now, we'll upload tomorrow and she said 2-3 days for processing. So... yeah.. mostly rant, but if anyone else runs into a similar problem know that you can push them to do the right thing and actually verify you.

NYFan63 wrote:
Congrats to you and your wife! I'm glad Cap1 did the right thing! Thanks, I was getting pretty irked towards the end... closed after 1 business day and their initial solution was 3 more HP. They came around, simple stuff that I was expecting, so feeling a bit better.

Slowly but surely..finally approved for BofA

I'm new to this forum, but I have been following for several years. I really want to thank everybody for sharing their experiences and advice. I hope that my story will help others just the same as you have all helped me...n I'd like to apologize ahead for the super long essay lol ;P During my sophmore year in college, I messed up big time on racking thousands of dollars on credit card debt and losing my job. 4 accts ended up in derog (prob around 10k), so my mid 700's dropped to the low 500's. I still had a few retail cards open and good standing student loans, but I had to kiss all my major cc's goodbye. 3 yrs later, I decided to start my journey on rebuiling my credit. I received a preapproval letter from Cap1 and figured I had nothing to lose. I was approved for the Cap1 Platinum MC with an initial 500CL and 22.90% APR w/ an auto CLI to 2500 after 5 months w/ heavy util. 1 yr later, i was approved for an auto loan through Cap1 w/ 6.96% APR. Couple months after that, I applied for the Cap1 Journey Visa and was approved with 500CL and 22.90% APR w/ auto CLI to 750 after 5 months and another auto CLI to 2750 after an additional 5 months. Cap 1 upgraded my Platinum MC to Quicksilver MC shortly after getting the Journey Visa. I know lots of people have their gripes against Cap1, but wow, they really provided a platform to improve without paying any AF's. High interest, but I made sure to PIF after the 0% promotional periods ended. I'd highly recommend Cap1 as a rebuilder as long as you can manage your finances well since 22% APR would cost a lot in interest. After babysitting my credit score for a year, I was so hesistant to apply for the BofA Cash Visa. I recently saw an "invitation to apply" through my online banking and decided to jump the gun. I was approved on spot with a 500CL and 17.99% APR. I'm a bit disappointed that the CL is so low, but so glad to have a "prime" lender approve me. Hopefully BofA will do an auto CLI after a year. *cross my fingers* So after 3 years of careful planning, my score is now steady at 655 (idk my score didn't change after BofA's HP), for EXP and TU. I'm not planning to apply for anymore CC's, but starting to consider if I should do an auto refi. All of my baddies are scheduled to drop in one year, so my ultimate goal would be to be back in the 700's so that I can eventually buy a house. Of course my baddies dropping will help, but are there any other recommendations to increase my score? Thanks and wish me luck!

pbnjenn27 wrote:
I'm new to this forum, but I have been following for several years. I really want to thank everybody for sharing their experiences and advice. I hope that my story will help others just the same as you have all helped me...n I'd like to apologize ahead for the super long essay lol ;P During my sophmore year in college, I messed up big time on racking thousands of dollars on credit card debt and losing my job. 4 accts ended up in derog (prob around 10k), so my mid 700's dropped to the low 500's. I still had a few retail cards open and good standing student loans, but I had to kiss all my major cc's goodbye. 3 yrs later, I decided to start my journey on rebuiling my credit. I received a preapproval letter from Cap1 and figured I had nothing to lose. I was approved for the Cap1 Platinum MC with an initial 500CL and 22.90% APR w/ an auto CLI to 2500 after 5 months w/ heavy util. 1 yr later, i was approved for an auto loan through Cap1 w/ 6.96% APR. Couple months after that, I applied for the Cap1 Journey Visa and was approved with 500CL and 22.90% APR w/ auto CLI to 750 after 5 months and another auto CLI to 2750 after an additional 5 months. Cap 1 upgraded my Platinum MC to Quicksilver MC shortly after getting the Journey Visa. I know lots of people have their gripes against Cap1, but wow, they really provided a platform to improve without paying any AF's. High interest, but I made sure to PIF after the 0% promotional periods ended. I'd highly recommend Cap1 as a rebuilder as long as you can manage your finances well since 22% APR would cost a lot in interest. After babysitting my credit score for a year, I was so hesistant to apply for the BofA Cash Visa. I recently saw an "invitation to apply" through my online banking and decided to jump the gun. I was approved on spot with a 500CL and 17.99% APR. I'm a bit disappointed that the CL is so low, but so glad to have a "prime" lender approve me. Hopefully BofA will do an auto CLI after a year. *cross my fingers* So after 3 years of careful planning, my score is now steady at 655 (idk my score didn't change after BofA's HP), for EXP and TU. I'm not planning to apply for anymore CC's, but starting to consider if I should do an auto refi. All of my baddies are scheduled to drop in one year, so my ultimate goal would be to be back in the 700's so that I can eventually buy a house. Of course my baddies dropping will help, but are there any other recommendations to increase my score? Thanks and wish me luck!A single HP actually seldom affects scores unless there are already a LOT of them.

DGF Citi ATT Approval and SPG amex Pending. What next to get..

So my GF just got her autoloan and a new car so we thought its a good time for an app spree.So far Approved for Citi ATT at 2k.SPG Amex is still pending.Thinking Arrival+ although the nerf is a bit upsettingmaybe another citi card. Possibly AAany other ideas? Chase is probably a no go. shes opened 2 cards with them past 6months (CSP and United).Her Fico is around 705EQ 700EX AND 715TU.
No baddies or anyhting like that.

Citi's computers take their time to update. So her new AT&T card may not even be factored into what the pre qualifier says. Kenny is right, I wouldn't test the waters with another Citi app immediately.
If she's pre approved with Cap1 even with the new card 2 months ago, is probably a good indicator she would be approved.
US Bank pre qualifier is next to worthless and unless you have some type of existing banking relationship with them, wouldn't even bother until scores are around mid-700.
She probably has a good shot at something from Barclays. Arrival+ probably has the best bonus from their offering. I never kept mine for over a year though so it depends on use and long term objectives if you want it for the bonus or for the long haul.

Barclaycard Approval...No on Amex everyday

Hey, So I read the forums and I was going back and forth about my next card choice. I used to work for AMEX and really wanted to transition to an AMEX card but after a pending decision, it came back denied. I recently purchased my first home ($128k mortagage), the mortgage has not hit yet my profile yet, but I have the following cards: CreditOne- $500Barclaycard- $1300 *** just approved todayHome Depot- $1500Plat. Capital One- $3300 My scores are: TransUnion: 680 Equifax: 660 Experian: 650 I know AMEX only uses Experian. I haven't had any late payments in over a year if not more, and I make over $60k a year. How long should I wait until I apply for another AMEX. I do not know the reason they declined it, I will ofcourse get that info in the mail soon.

CONGRATS on your new home & your new approvals! I agree that you should nix that Credit One card ASAP (you won't regret it). Once your Cap1 card is 6 months old, request a PC to a QuickSilver to take advantage of the 1.5% cashback on everything.

Walmart Approval - Very Thin File

Hi, all! I figured I'd come and brag, because I've found these posts helpful for my research for approval odds and the like. And I'm also very surprised and happy! I came here before to seek advice for building credit. I got my first two cards about 2 months ago-- BoA secured and Cap1 QS1. They just began reporting a couple of weeks ago. My FAKO scores range from (myFICO can't find me) 670-699. The only things on my report prior to the cards were 2 tiny student loans with 100% on-time since 2011, and a paid medical collection from 2011 is on Equifax. So, a friend and I had a few drinks, and she convinced me to apply for the Walmart card with her. I was greeted by the 7-10 message in my email, and regretted it. I had lost 30 points due to inquiries over these last months. However, I forgot I had a fraud alert, and recieved a request for information in the mail today! So excited! I just called, and they couldn't verify me on the phone, but they said they'll ship the card out and it will be done upon activation. Best part-- $1200 limit! I heard Walmart was pretty stingy with thin files. My yearly income is only $22,000, as a waitress, so I was pretty stoked! BoA only has a $300 CL, and the QS1 $1000. So my highest yet! I'm a little confused over whether I have the store card or the Mastercard. The mail was from Synchrony Bank, so I figured it may be the Mastercard, but all good no matter what. Either way, it's something. Maybe someone could clear tthis up for me. Anyway, I'm just so excited to have an even better footing off of which to build my credit. Also, I found myself preferring to use the credit cards over my debit card. I put most of my monthly spending (I'm not a big spender) on them, but it left me at 23% util, which is a little high. This will help with that issue as well!
For once, a drunken mistake has turned out to be a wise decision.

thrashette wrote:
Best part-- $1200 limit! I heard Walmart was pretty stingy with thin files. LoL, Walmart gave me a $150 starting limit Big Congrats!!

Trying to figure out my game plan, and Cap1, you so silly.

That's good to know that upgrading to a WMC will get rid of the AF for me - so I should definitely combine to the lower APR card in that case. Watch them decline the upgrade even after the card has an 8k limit. Pft!

I currently have three cards with Cap1, and I'm trying to break the 5k barrier so I can have access to higher tier cards. (limits 3k, 3.5k and 4.5k) I'm waiting on an EO decision to see if I can have the 4.5k card bumped by just $500 so I can upgrade it from a Platinum Mastercard to a World (or World Elite) Mastercard. That was last Thursday though, so I'm thinking they denied it since my account still looks the same. Boo. I DO finally have the option of combining accounts, so I'm hoping if I combine my 3.5 and 4.5 into an 8k card that they'll approve the upgrade as a result of that. I just need to decide which card - one has a $39 fee and a 22% APR, and the other has a $19 fee and a 24% APR. I never carry a balance so the APRs don't matter as much at the moment - and I know I can get the fees waived... might be better to keep the lower APR card though, even with the higher fee attached. I'm hoping that the new 8k limit might help me land higher limits on new approvals after this. I'm regretting applying for the Venture One now since it only gave me a 3k limit... but I know that will grow with time, especially since I've already pumped $1000 into it within the two weeks I've had it. : P Citi sent me a Pre-Selected mailer offering a 15.24% APR and had the prescreen/optout information - but I think I've decided not to bother with it. I know even with the specific APR mentioned it isn't a guarantee - though it's awfully enticing to get in with someone besides Cap1 at possibly a decent APR. I can't get BoA to budge on my 1.5k limit with them, and I'm not risking another HP to try again. (I tried back in January-ish) I'm also thinking about applying for an Amazon Prime Store Card - but only because I have a $500+ purchase planned and wouldn't mind the 5% off +$10 giftcard. I'd be paying the $500 off immediately. I'm not trying for the Chase version at all since I was denied for it back in January. (I've gained new cards and history since then, better scores too, but still won't risk it.) I know they're backed by Synchrony, and I'm getting mailers from Synchrony backed cards lately, so I think they might be open to approving me. I'm also interested in the Discover It for the rotating 5% categories, and of course my own Amex one day. (I'm an AU on one now.) I'm thinking I should probably wait six months first for the Discover, and maybe 12 for the Amex? I have about 4-5 inquiries on each of the bureaus at the moment. It's so hard to be patient and try to make the best decisions! I'd like to buy a house in about two years after my last baddie falls off, so I know that limits me as far as trying to apply for cards in the future as well. I'm trying to build up from now until then to get the best mortgage rate I can. I feel like a child that is being so good, and I'm dying for my parents to notice and reward me for it... hahahaha.

My (5mo) Cap1 Experience: 3 Cards, CLIs, PCs, & EO recon Success!

Ok - so I'm pretty much brand new to rebuilding, but I wouldn't be anywhere near where I am now if it weren't for myfico forums, so THANK YOU so much to everyone here for teaching (a much too old to not know these things already) me so very much about Fixin' The Creditz. Here's a super-brief breakdown of my journey: 1st App Approval: 10/14 - Cap1 Sec. w/$99 down for $200 CL. Failed to complete dep. w/in 90 day window. ***NO NEW ACCOUNT*** (Fakos reporting 530-550) 2nd App/Approval: 02/15 - Cap1 Platinum: $300 (7-10 message, income verification req.) ** Fakos reporting 560-570 **** After 3rd statement, LUV CLI $300 -----> $800 5/1/15 **** PC Platinum --> QS1 6/15/15 3rd App/Approval: 04/15 - Cap1 QS1: $1,000 (Instant approval, 5-7 days for CL & APR decision) *Real FICO 8s showing 596(Eq) - 628 (Ex) **** CLI via LUV button 1 week prior to 3rd statement: $1000 ----> $4,000 6/17/15 **** PC QS1 --> QS (no AF) 7/1/15 4th Approval:6/15 - Playstation Visa: $300 (Instant approval) *Real FICOs reporting 589(Eq) - 603(Ex) **** CLI via EO recon request 2 days after card arrives: $300 ----> $1,000 6/29/15 Fico 8's as of 7/4/15: Eq: 627 (19 inq), TU: 635 (24 inq), Ex: 663 (18 inq) ----------------------------------------------------------------------------------------------------------I've carried balances on the 2 oldest between 30% - 90 % /month , but ALWAYS pay 3-6x's per month at least 4xs minimum payment due. (ex. charges = $800, payments = $650 = $150 Outstanding on $300 CL card) ALL 3 accounts still enrolled in Credit Steps, the oldest of which ($800CL) is set to mature following next statement generation on 7/28. Hoping this helps someone out there. Happy hunting ya'll!

Way to go!!!

Need help: Lows Approval vs Venture CL Use

Hi everyone, need your advice and helpful knowledge on this. Sorry is too long but i know you all love the details  As previously stated on other threads, I live in a HOA property and my fence formally got approved...waiting on county to draw new property lines and make it official on paper. I need to spend a total of about $5000 on fence materials: Should I apply for Lowes special promo and request the 5.99% for 84 months at check out? (must spend a least $3500 for offer which will be no problem obviously). On this promo, not sure If I can pay off early or If I'm only allow to make the minimum payments...ewww OR Use my Venture with $15,000 CL. I will make a $600 payment on it right away which will put me at 30% UTL when reporting to CR on first statement.   My UTL will decrease by 3% (about) each month as i will be making $600 payments. I know is no brainer BUT, what If I don't get approved for Lowes, I don't want another HP or a second denial when calling recon; not even sure if they'll give me enough of a CL to purchase $5000 worth of fence materials. Either way I go, I will be making $600 dollar payments until paid off, sometimes I will be able to do $650.   Can you make higher payments on Lowes promo?Would it be worth it taking a chance for Lowes and the HP?Other options? NO Home Depot, burned a Citi Card in BK and already got denied for double cash card in June/2015 Venture has a 17% APR, which i can request a lower APR (12.99%) but not guarantee. SCORES NOWEQ 655, TU 639, EX 660 (scores should go up a bit after balances reflect $0) STATS AS OF 9/6/2015 below (The stats below will be reflecting in my CR per my closing statement dates when applying for the card)Venture Card #1 - $0 BalanceVenture Card #2 - $0 BalanceCSP - $0 BalanceBarclay - $0 BalanceDiscover - $0 BalanceJCrew & Express - $0 BalanceQS - $2500 Balance out of $10500 CLIncome - $71kCH7 discharged - 10/2010, will be at 4 yrs 11 months in 9/1/2015 (burned macys, walmart, citi bank, chase, best buy card, paypal, cap1, target, military star card, usaa Denied for AMEX ED, BOA Cash Card, Citi Double Cash & Chase Freedom in June/2015 INQUIRIES
    EQ TU EXJUNE 2015Citi Bank
June 25, 2015
Discover Bank
June 25, 2015
Barclays Bank Delaware
June 25, 2015
Discover Financial Ser
June 25, 2015
Amex
June 25, 2015
Citi Bank
June 25, 2015
Chase Card
June 25, 2015
Bk Of Amer
June 25, 2015
MAY 2015Capital One Bank Usa
May 27, 2015
Capital One Bank Usa Na
May 27, 2015
Cap One Na
May 27, 2015
Chase Card
May 27, 2015
NOVEMBER 2014Rental lease app
November 11, 2014
Mortgage home purchase
November 11, 2014
Rental lease app
November 11, 2014
JULY 2014Pentagon Fcu
July 10, 2014
-- Thanks all!

Personally I'd go with the Lowes card. This is one of the few store cards which fits pretty much any home owner, and their promos for rates just don't suck. It's even on my list whenever I go buy a real home someday in the future where it's a foregone conclusion around here I'm probably going to have to sink 100K into the house to fix it... and probably everyone knows my personal theories about store cards (just say no unless you shop there and their reward structure is better than any national bank cards). Sounds like you know the Lowes promos better than I do since I haven't kept up with them currently, but 6% vs. 18%, no brainer even over 10 months. Inquiries are cheap, non-trivial interest is not... I don't really see your getting denied for it frankly though, only sticking point is that BK with a Walmart card since I think Synch underwrites Lowes, but as I understand it they're fairly BK friendly anyway.

My score updated today - tried - approved!

My credit score updated today to Eq(606) TU(527) Exp(577)I started off with the capital one secured card in may CL $401applied for the cap 1 qs one card and got approved with a $500 CLShould i apply for another card or wait and if so which one? or any other advice of what i should do next?

Yep that's why I was encouraging another card. Because I waited between cards 6 months each. I wish I could have applied and received all at the same time for AAOA reasons
BUT
If your credit is not good enough I do believe it's better to wait to apply for an unsecured card instead of getting more secured cards. Only because most of the time you tie your money up into cap1 secured card and they never graduate.

What are my chances for QS approval in 6 months?

I am over 2 years post BK. I have 3 Cap One cards. Platinum which I've had for 2 years, Journey 1 year and Playsation 5 months. I have zero utilization and TU 679 EQ 684 EQ 655. I do have a handful of recent inquiries and new accounts though. Do I have a chance of getting approved for Quicksilver in say 6 months once the new accounts and inquiries age?

I'm not sure about Cap1 and BKs but I can say that Cap1's underwritiing is typically more lenient than others even the top tier cards. Your scores are decent, I would say with all scores at least over 675 you have a good shot at the QS, even the Venture! You got this! Try their pre-qual, its pretty solid.

Gotta say it's a good day! QS card approval!

I just got approved for my first unsecured card in quite some time! Because of all of you on here with your wisdom and guide nice I've gone from a credit report littered in CO's and collections to Cap1 secured, Cap1 QS, a FH fresh start and all my collections account removed. Mind you, I just started this journey back in the beginning of May.
So do I go for one more card and if so, which one? I have my car loan and student loans all current so I believe that covers the installment portions. You all have been so valuable in this I would be an absolute fool to not ask!

I think the common wisdom is three bank cards secured if necessary/unsecured if possible. If you're a member of a CU, maybe they are a good place to try. I have Cap One, FNBO and First Progress secured cards. That's the order I value them as well. I was just able to get a Chase Freedom card after about six months with the secured cards, so three worked great for me.

Cap1 CLI Request - Income Verification

Hey everyone, July 29th was my 6-month mark from my last CLI on my Cap1 QSMC. So like clockwork, I logged in, typed in the requested information. I put student for employment status. I'm going to school full time for graduate school. In addition to that I was medically retired from the Army last year and I was awarded a 100% Permanent and Total Disability rating from the VA. When it came to income, I listed my VA disability benefits, my VA Voc Rehab (how I'm going to school) stipend, and my wife's paycheck. Luckily this number matches last year's taxes too, which makes verification a lot easier if they'll accept last year's tax return. All added together, it works out to about $75k combined. Even though it's not a joint application, I still list joint income. I could just list my VA benefits but again I'm covered since our 1040 for last year is that amount. Not surprisingly, Cap1 saw a student list 75k of income and was probably like, umm yeah, we're gonna need to see some proof. I got the 7-10 day message, not the normal message I've been getting when I requested a CLI too early, but a slightly different one. I logged into my account today and check the Documents section and sure enough, there's a document requesting proof of income. I don't blame them one bit lol. I downloaded a copy of our 1040 from TurboTax and faxed it off to them this morning. Has anyone gone through the income verification for Cap1? I've read it's increasingly more common, I'm surprised AMEX didn't do the same thing in June when I did my 3x CLI. And for anyone who is curious about the account it is two years old. It was originally a Platinum MC (no annual fee) that was in their credit steps program. My SL was $1000 and got bumped to $1500 after completing the Credit Steps. Jan 2015 was my first successful CLI on the account, I was granted a 3k CLI ($1500 -> $4500) and then converted the account from a No-AF Plat MC to a No-AF QSMC (it's still a platinum) but I plan on calling EO soon to see if they'll convert it into a WEMC or a WMC. I tried earlier with the WEMC/WMC conversion, but the EO rep I spoke with said my conversion from a Plat to the QS counted as an upgrade, and even EO can only upgrade once every six months. The rep I spoke with was super friendly. I originally contacted them through the CEO email trick and she called back a couple weeks later. She left me their number, which I'll have to find and give them a call soon. We moved back in June and are currently in an extended stay hotel until we finish our house hunting, so finding it should be super fun... I'll stop blabbing now. Anyway, just wanted to share my experience and as always I'll keep everyone posted. Thanks for reading... Oz

CreditCuriousity wrote:
You should be good to go and ya probably just covering their behinds.. Best of luck, let us know how the CLI turns out... Everything seems to be in order so guessing you will receive itYeah, I guess it's the same situation as I went through with my Marriott card. I figured if they wanted to decline the CLI they would have already and not gone through the process of requesting and then reviewing my income status. Maybe I'm just being optimistic, but I'm hoping the income review is because they want to give me a HUGE CLI. Otherwise, maybe they would have just given me a grand or two and let things be. I'm hoping for a decent CLI, certainly wouldn't complain for another 3x CLI lol, but anything north of a grand or two and I'll be content. I'm more excited about them converting it into a WEMC/WMC, to be honest, lol. It's the little things that keep you sane in the garden. Once we close on the house I'll have a nice little app spree, starting with a Sallie Mae card since my TU will look nice, no INQs in 6+ months and a lot of derogs have fallen off since being approved for the Apple card. Plus I'll have some established history/foot in the door with Barclays. I'll also probably add in a Lowe's card and even considering a Security Service FCU Power Travel Rewards WMC (geebus that's a mouth-full). I'm still undecided if I should go with SSFCU for a dining card, or stick with Chase and go with their AARP card. I figure take advantage of SSFCU since we live in Colorado now and 3.1% (3% with a 10% annual bonus) is pretty nice I guess it'd just depend on what SLs I can get. I'm guessing since it's a WMC it'll be 5k starting. The income requirement assuming they accept our 1040 shouldn't be a problem either... Oz

Venture and QS Approval same day

Was just approved for cap1 QS with 10k limit. Around noon(7hrs ago) I applied for and was approved for Venture with 15k limit. Ive had another Venture card that was originally a platinum card opened 5.5 yrs ago. It was the card that everyone hated and never increased but felt fortunate and grateful to get it after I filed bk7 in 06/09. Don't ever post here but felt I should share as others experiences gave me the confidence to go for these. Some background if it helpsbk7 June 09 disch sep 09my original cap 1 has a limit of 8ki have a revolving util of 7% and avail credit of 40K before the combined 25K approvals todayim HOPING I'm one of the lucky ones and both apps used the same 3 pullsif not I'm OK with that. First INQ's or new accts in 8 months only 1 INQ prior to apps today in last yr on all 3income higher than 50, less than 100. Rhymes with schmeventy shmive lolFICO as of today(per this site) so guessing 08? Exp-692 EQ-696 TU-687highest limit before this was 13K on my barc ring card. Next highest was original cap 1(now venture) at 8k then US bank at 7.5 K which was approved in November and was a but of a surprise given how stingy they are to better credit profiles I've seen on here with much lower limits/denials.i know this was a lot but hope it helps someone in a situation similar to mine that might be on the fence.

Naptownravensfan00 wrote:
Yea I'm not sure why US Bank did that for me tbh. It was approved initially for 1k so I called for recon (UW bdoor #) and told them if that was going to be my limit to go ahead and close it. Guess I no longer felt grateful to take "whatever" unsecured limit offered to me. Called 48 hrs later and was told it was increased to 7.5K. Def was surprised by the amount of increase. At time of app I had 5 INQ's on my EQ which is report they used. Oh and income at time was 10K higher than it is now. Haven't received any luv since I opened it 11/14. Used 2-3k first 4 or 5 months now have 2.9K(0% til nov) which is only balance of 8 cards I have that ever reports without a 0. It's the flex perks travel amex btw. Hope this helpsProbably on my recon call I should of told them the same about the 1k limit and closing it, but didn't.. Thanks for the info though as any data points are good data points!

How to delete the entries in a approval status report

Hi,
I have designed approval procedure for marketing document.The approval procedure works fine.But there are certain documents which has gone through approval procedure and is been approved.
I understand after approval we cannot alter the document hence i created new one with the changes then i have posted it.Now the exisitng document which are no longer required i want to delete or cancel it.
I am going in user log in and trying Data>Cancel but the document is not getting cancelled.Is there any solution for this???
thanks
regards
Md.nazeer Shaikh

Hi,
https://wiki.sdn.sap.com/wiki/pages/viewpage.action?pageId=88735894
How do I delete a draft invoice?
Thanks
Mansoor

Cap1 QS approved

Similar Messages

Maybe you are looking for