Capital One Platinum Instant Approval

I just applied for the Capital One Platinum this morning after it showing up on the prequal site and got an instant approval for $500! I know it's not much but its exciting to me lol. This is only my second card, but its one more card towards getting back on track. Looking forward to posting more cc approvals on here with help from you guys!

_GoBlue wrote:
I just applied for the Capital One Platinum this morning after it showing up on the prequal site and got an instant approval for $500! I know it's not much but its exciting to me lol. This is only my second card, but its one more card towards getting back on track. Looking forward to posting more cc approvals on here with help from you guys!
It is exciting. I fondly remembered my first card with Cap. One and I have grown leaps and bounds since then and I know you can too! Be excited, it's a great start. WTG

Similar Messages

Capital One Platinum CLI Question

I have received a Capital One Platinum Mastercard back in August.
Tomorrow is my 5th statement being cut but I keep reading about steps increases every 6 months.
I never got a letter or email about being in the steps program.
If I'm not in steps what am I looking at for a possible CLI and when?
Thanks in advanced.

His response: "Vadin10:40 AMSure, you can certainly check with us or in our department before you proceed. If you need any assistance in the future, please do not hesitate to contact us Vadin10:40 AMI appreciate your time and patience. Is there anything else I can help you with today?" Well that chat failed miserably

Capital One Platinum?

I have just begun my credit rebuilding journey. About a month ago, I applied for a secured card from my bank and was approved for $300 minimum. I sent them the $300, and read that CapOne is pretty lenient with approving secured cards, so I applied with them as well. I got approved and had to send them the deposit. I talked my grandparents into adding me as an AU on a credit card with a $9k limit and $0 balance that they've had since 1987. That AU alone bumped my scores 20+ points on EX and EQ. TU had the wrong address for me, so it didn't pick up on the AU but I sent them a letter requesting change of address. Anyway, with my scores slightly higher, I was feelin' froggy and I had been reading that CapOne QS1 is pretty relaxed with their approvals. I thought I most likely would not get approved if I applied but it was worth a shot. I applied yesterday and got the "7-10 day" message. I read on the forums that if you get this message, its not an approval or denial, and to call the BD number the following day to ask them if they needed any more info. I called them today and to my surprise, the account specialist told me I was approved for $300 (better than nothing, and I was ectstatic to finally have a real card) and to expect the card within 7-10 days. Now my question is, I've been reading some people had better luck with CapOne Platinum but denied a CapOne QS1. Since I've already got the QS1, what are the chances I could get approved for a Platinum? And if I do it today, would it still be with the 3 HPs from yesterday? I'd like to be able to get both of those unsecured, keep my CapOne secured, and either close or keep my bank secured card. Not sure what the best option is. Thanks in advance.

First congratulations!! Second, I wouldn't go for the Platinum right now, because it seems sometimes when you start out with Capital One's sub-prime cards, they get stuck at low credit limits and won't grow. Give yourself some more time, use the cards you have over the next few months, and before you know it, you'll get approved for better cards.

Capital One Venture Card approval proccess

So I helped my wife apply for the Cap One Venture card with the 40k bonus offer. The screen shot stated "You are approved" you will receive your card in 7-10 days but did not give any other info such as CL etc. When I applied for that same card I was immediately notified that I was approved and my liimit was 20k. I contacted the 800 number and the recording said that the application was under review. I assume that is under review in regards to determining the initial CL and APR? Any thoughts, experiences with applying for this card.

Congrats on both approvals! In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000. Total Credit: 51,217.
6/19-FICO: EQ - 782; TU - 769; EX - 681; GOAL: 780 across the board. Gardening until further notice.

Capital One Platinum new look + chip

Looks like Capital One updated their website with the new look for the Platinum card:

That's what the secured cards look like too. I opened a secured account back in April or May and received the old white/silver card. The following month when I added DW as an AU, two cards arrived. One for me also. The new card with the chip, same as hers. My new card is the same number, exp, and security code on the back.
I wonder if I can use the old card still? Hehe. When I added the original card to Apple Pay, the phone displayed the new card design before the new card design rolled out onto the site.

Capital One Platinum MasterCard

I hace 3 capital one cards. One is secured and 2 are quiksilver ones. One was a regular platinum and one statement cut already, I tried to change it to qs through secure message didn't work. Then when I did the online chat they just changed it to qs one no problems! My credit scores are baaaaaad...rebuilding right now. So I do recommend you can probably change it to the rewards qs.

Is that PreApproval from CapOne or another company. The way I see it and the way I have done it. Is that I went to get as many CC's as I could but yet BE SURE that the banks are reputable. I stayed away from any CC that charges high interest and high annual fees, etc. because quite honestly that is NOT helping you. There many that offer you a $700 Limit but by the time you get the card you can only us like $300 because they take all the fees. I can't remember what banks they were but it was ridiculous with $100 AF, 34% APR and nickel and dime you. There many options for you to get a decent secured card like Wells Fargo, BofA many Credit Unions. It will depend how damaged your credit is and how recent. Time is the only way you can fix things. If Cap One gave you a QS plus your secured. If the 3rd is CapOne also I would get it. Let those age together because it doesn't make much sense to wait for one card to age then get another. You might as well get as many as you can then build those. Build your rapport with the bank so they increase you. Cap One will tell you if it is secured or not. Their cards all serve a purpose and have different tiers with criteria.

Capital One Platinum Card...Should I apply for a Quicksilver next month also?

Have you tried the Cap1 pre-qual site?
https://findmycard.capitalone.com/en/PageVersions/LandingPages/LP_UNS_QUICK_RWD_V01.aspx

If it says, "XXXX, we couldn't match your records to a card offer. But based on your answers, we think you might like this card." - - I would NOT app.
If it gives you a preapproval on the Cap1 Quicksilver, I'd try it depending on the rest of your profile. I opened the Platinum as a secured $200 card in January. I PIF'd every month and in June I checked the preapproval site and it prepaproved be for the Quicksilver. I applied and got $1,000 unsecured. I ran some charges and paid them right away and they gave me a $300 unsecured CLI on the Platinum card just a couple weeks later.
I really like the QS card so far because of the cashback.

Capital One: Denied CLI / Approved for $50K on New Card

I have two CapitalOne Cards that were open in early 2007 after my bankruptcy in August 2006. They were the first company to give me credit cards following the bankruptcy, the first one received a $3,500 limit and the second one received a $3,000 limit.
In 2013/2014, they upgraded me to their Quicksilver card so I could get cash back on my purchases. As my finances have drastically changes since then, I've attempted to request multiple limit increases, and I've kept getting denied because they say I don't use enough of my credit limit to justify a limit increases.
Then in December I just decided to apply for a CapitalOne Venture card for their 40,000 bonus miles, and was given a $50,000 credit limit.
Can someone explain how/why they won't increase my limit on a card with $3k limit, but will give me a new card with a $50,000 limit? I would rather have the limit on one of these older cards that's I've now had for 8 years.

anm688 wrote:
I have two CapitalOne Cards that were open in early 2007 after my bankruptcy in August 2006. They were the first company to give me credit cards following the bankruptcy, the first one received a $3,500 limit and the second one received a $3,000 limit.
In 2013/2014, they upgraded me to their Quicksilver card so I could get cash back on my purchases. As my finances have drastically changes since then, I've attempted to request multiple limit increases, and I've kept getting denied because they say I don't use enough of my credit limit to justify a limit increases.
Then in December I just decided to apply for a CapitalOne Venture card for their 40,000 bonus miles, and was given a $50,000 credit limit.
Can someone explain how/why they won't increase my limit on a card with $3k limit, but will give me a new card with a $50,000 limit?@anm688, This -$50,000 credit limit with CAP 1. Am I reading that right or is it a typo

Capital one Approval!

So i'm working on rebuilding my credit after getting my chapter 7 discharge in february. I was planning on opening a second secured card next week, but decided to go ahead and try the capital one pre qualifier just for the hell of it. To my surprise they said I was pre-qualified for the Capital one Platinum, and the QuicksilerOne card. So I went ahead and applied for the platinum, instantly approved. Then I remembered someone on the forum saying that if you were approved for one card through them then you would most likely be approved for a second one, so I went ahead and applied for the quicksilver and was approved for that one as well! Both have a $300 limit which may not seem like a lot but to someone like me who is young, in college, has 3 kids, and trying to build a credit history, it is great. So I guess now I probably won't be needing that second secured card through my credit union. It's only through using this website that ive been able to gain the knowledge to begin my credit rebuilding journey, and i am truly greatful, so thank you! Edit: Do you guys think it is worth applying for an amazon store card? or am i likely to be declined? Reason I am asking is i've had my eye on an air conditioner on there and was planning on just paying cash for it when I get payed monday.

Excellent! Congrats! In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; Band of A Travel Rewards 3.5k; Bank of A Travel Rewards 3.5k; Bank of A Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 66,200. 7/2-FICO: EQ - 788; TU - 777; EX - 690; Utilization: 12%; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 5 TU: 7; EX 3; Chapter 13 seven years May, 2015. Reset my garden date to 6/27. Gardening until further notice.

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.

Capital One Increase, it will come

I applied for a Capital One secured card about 5 years ago and with a $300.00 deposit and over the course of the years I ended up with a credit limit of $1000.00. Upon reading several articles and several forums I took a chance and applied for the C1 QuickSilver One card and was approved for $300.00 which was low but it was my first unsecured Credit Card in a very long time. I remembered reading on the forums to immediately apply for another C1 card so i did and was approved for a Capital One Platinum card for $300.00 and was in the Step program with both cards. I use both cards all the time and paid them off but not every month. In 5 months, my QuickSilver One CLI went was a $1000.00 but my Platinum only went up to $500.00 and I wasn't happy but i was grateful and this was in January. I kept requesting an increase on the Platinum but wasn't getting a CLI. I got online today and hit the credit increase button and to my surprise, I got a $2000.00 CLI on the QuickSilver One which gave me credit limit of $3300.00 and I immediately requested a CLI on the Platinum card and I got a $1000.00 CLI to give me a credit limit of $1500.00 All i can say is be persistent and don't give up, it will soon payoff. My scores are between 620-650 so I can't wait to see how this will bump up my credit scores.

Congrats OP!
As to a low limit QS, i was approved for a Quicksilver Visa last year for $500, no af, and it was in credit steps. 100% not the one. I mean the card doesnt say "one" and the pre-approval letter I received to apply didnt either. It did say minimum $3000 cl, but whatcha know, lucky me got 500. I believe ive read elsewhere here of other QS (not ones) with small cl. Maybe they have some sort of internal low level QS or something...

Capital one Cli after 3 month mark

My 3rd statements just posted for my 3 capital one cards, discharged june 2015. Got an instant increase on my capital one platinum for $500, 2-3 day message on my quick silver one rewards.

Congrats

Capital One low CLI, options and questions...

I opened my first credit card in January 2011. It was an Orchard Bank MC that was later sold and converted to a Capital One Platinum MC. A few years later (not sure) it was converted to the QS MC. Since I opened this account I have never missed a payment or had any negatives on my report. I got my last CLI 6 months and a few days ago. Because I have open 6 new credit cards in the past 2-7 months and meeting spend requirements I haven't been using the card much at all. I created a spreadsheet to calulate when I could request another CLI. 180 days after my last. On day 180 I requested one and was declined because of low payments. The card had a ~$500 balance a couple months ago that I paid off so the reason didn't make sense. I figured the reason was lack of recent usage. So for the past few days I have been using the card and requesting daily. Today it finally approved me for $400 to bring my limit to $3900. I was really hoping for at least $1500 so it could be a WMC as I have a VisaSig. The increase and limit bothers me as its my oldest revolving account.
I have the following cards...
1/11 C1 QS $3900
2/13 BoA BBR MC $5000 (BBR can't be WMC they say)
1/15 C1 QS $3500
1/15 Barclay Rewards $1000
2/15 AMEX ED $9000
3/15 Chase Freedom $4500
4/15 Citi DiamPref $1500
5/15 Disc It Secured $500 (really secured but wanted the card, best card I got IMO)
5/15 BoA 123 VisaSig $5000
Also to note...
12/14 Mortgage $59k/$64k (double+ pmts)
4/15 Shared Secured Installment 352/500 (to max mix)
2/15 Victoria Secret 0/500 (big regret)
FICO08 EQ 680 TU 700 EX 698
My question is was it a mistake to accept the low CLI now? Should of just contacted the EO for a manual review? Can I still do that or will I just get the line you got a CLI a day ago and gotta wait? Would they possible let me combine my 2 capital one cards ($3900 and $3500) into one card if they won't give me an addition $1100 increase for a WMC? I've had contact with the EO before and got the number; better to email or just call?
Sorry if this scramble, unorganized, grammar, etc as this is the 3rd time I've written it as the page times out and I lost it.
So to recap my questions...
Does me accepting the low $400 CLI to $3900 today prevent the EO from possibly giving me a higher CLI?
Can you combine your limits on 2 cards into one? Would combine the newer card to the older one to keep my oldest CC open.
Any experiences you had with similar issues.
Thanks in advance for your time and responses.

As I've experience with capital one (capital one platinum) is that they DON'T give out many credit limit increases. I had my crapital one card since '09 and started when I was in rebuilder mode. Flash froward to present day and you can look at my siggy that I've come pretty far. High 700's and major credit cards in my wallet with some in the 10k plus and crapital one only gave me two CLI during my '09 to July 2015 loyalty to them. I felt I was capped at 2k after numerous emails to the EO. Don't sweat capital one and just use them for the history while you get better cards imho

Cap One Platinum to QS

Back in December my mailbox was flooded with pre-approvals from Capital One Platinum MC offers (literally got 7 in a month). I decided what the heck and applied and got 2 cards each with a $300 limit, no AF and Credit Steps program. Pathetically low limits I know, but I was excited to have anything. I have made all payments on time and always several times throughout the month. I haven't yet received a CLI which is frustrating to me, but when I initiated a chat they said that I will get it by the 7th statement (still 2 months out..grrr). While I was on chat though, I decided to see if they had any upgrade offers for me and they did! They upgraded both my Cap One Platinum Cards to QS cards with no AF!!! I am hoping to get those CLI soon, but I'm starting to feel like things are changing! Whoo hoo for rebuliding and Thank you to everyone on this forum for the great advice! I would have never thought to ask for an upgrade before seeing it suggested here.

cc2504 wrote:
Back in December my mailbox was flooded with pre-approvals from Capital One Platinum MC offers (literally got 7 in a month). I decided what the heck and applied and got 2 cards each with a $300 limit, no AF and Credit Steps program. Pathetically low limits I know, but I was excited to have anything. I have made all payments on time and always several times throughout the month. I haven't yet received a CLI which is frustrating to me, but when I initiated a chat they said that I will get it by the 7th statement (still 2 months out..grrr). While I was on chat though, I decided to see if they had any upgrade offers for me and they did! They upgraded both my Cap One Platinum Cards to QS cards with no AF!!! I am hoping to get those CLI soon, but I'm starting to feel like things are changing! Whoo hoo for rebuliding and Thank you to everyone on this forum for the great advice! I would have never thought to ask for an upgrade before seeing it suggested here. Very Cool! Congrats! I had to request mine a couple of days ago and they approved it.

Capitol one platinum approved, now trying to figure out my next steps Please advise

I also am new to this forum after many years of neglecting my credit I have made it a focus to rebuild my credit. I also have recently received my new Capitol one platinum card, and I am about to cut my first statement. I just wanted to thank everyone on this forum, as I finally feel like I have a grasp on my credits future. I have been using my 300 limit as a debit card and have made multiple payments this month, as I have cycled about 700 in charges and payments in the last 2 weeks. Additionally as well as called CO and got my cut date which happens to be today.
i made sure my balance was at 3% utilization, and plan on making my first statement payment this week. From what I see a lot of people are getting love with the CLI. My question is since this is my first credit card in a few years, should I hit the luv button early, or wait? Other than this card I have student loans and a new car loan that started back in January, all my account are in good standing for the last 2 years, despite the fact that I have 2 baddies and a civil judgement for a cafeteria school bill for my kids lunch program.
Another question I have is that I also before getting approved for the CO platinum, I got approved for the CO secured card with a deposit of 99. My question is should I complete the deposit on the CO secured card, or should I let it lapse and milk my CO platinum card for few months before trying for a CO quicksilver one card?
My current Ficos are EX 577, EQ 572 and TU 585. I am hoping once my new credit card reflects on my credit report that I will get a bump. My goal is 700's across the boards as soon as possible.
Thanks agin this forum and everyone in it has been a Answer to prayer.

Timwheaton1979 wrote:
I also am new to this forum after many years of neglecting my credit I have made it a focus to rebuild my credit. I also have recently received my new Capitol one platinum card, and I am about to cut my first statement. I just wanted to thank everyone on this forum, as I finally feel like I have a grasp on my credits future. I have been using my 300 limit as a debit card and have made multiple payments this month, as I have cycled about 700 in charges and payments in the last 2 weeks. Additionally as well as called CO and got my cut date which happens to be today.
i made sure my balance was at 3% utilization, and plan on making my first statement payment this week. From what I see a lot of people are getting love with the CLI. My question is since this is my first credit card in a few years, should I hit the luv button early, or wait? Other than this card I have student loans and a new car loan that started back in January, all my account are in good standing for the last 2 years, despite the fact that I have 2 baddies and a civil judgement for a cafeteria school bill for my kids lunch program.
Another question I have is that I also before getting approved for the CO platinum, I got approved for the CO secured card with a deposit of 99. My question is should I complete the deposit on the CO secured card, or should I let it lapse and milk my CO platinum card for few months before trying for a CO quicksilver one card?
My current Ficos are EX 577, EQ 572 and TU 585. I am hoping once my new credit card reflects on my credit report that I will get a bump. My goal is 700's across the boards as soon as possible.
Thanks agin this forum and everyone in it has been a Answer to prayer.
IMHO you should (a) go ahead with the secured card, (b) use both cards but pay them down to zero over and over, and (c) go slowly on adding new cards. Inquiries and newly opened accounts are considered negatives, so sometimes the best 'building' you can do is do nothing but pay your bills fast.

Capital One Platinum Instant Approval

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