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@callmeNeno
3 жыл бұрын
I been getting bombarded with emails from Capital One pre-approvals; but I have no interest their three hard pulls from all the bureau. Their cards are not worth it or appealing to me at all. I do like their Capital One 360 checking & savings Interest rates for a hybrid mortar bank , but their credit cards need to be more competitive
@emmapeel4299
3 жыл бұрын
Funny that you mentioned that. When pandemic got full swing and they started lowering limits for people or just closing their cards, the emails and endless junk mail stopped from them. In the last month or so, the emails and junk mail are flowing in again.
@stephanieslater5582
3 жыл бұрын
Would it be better to apply for 2 cards the same day . Would that make 1 pull or inquiry for the two.
@docsays
3 жыл бұрын
This is interesting. Funny thing is just canceled my platinum card a couple of weeks ago & now i received an email approval offer code for the QS 🤔
@RedRider1600
2 жыл бұрын
Can you apply for 2 or 3 Capitol One cards at the same time with just 1 hard pull? I know they pull from all 3 bureaus at the same time. Wouldn't be so bad if I could get 2 or 3 cards out of that, without them doing triple pulls multiple times. I'm thinking about getting the Savor One and the Walmart card. Also, do they have something like the 5/24 rule?
@similienr
2 жыл бұрын
No. C1 has 6 month per card rules and that's it. U can only get one c1 card every 6 months
@BankAccountBonusCentral
3 жыл бұрын
3 hard pulls = 3x NOPE!
@emmapeel4299
3 жыл бұрын
Agree. Even if it was a top tier bank/credit union I would have to pause. Cap One? Nope!
@doogieball2464
3 жыл бұрын
@@CheekyBird790 Soft pull for the pre-qualify. 3x hard pull if you're accept the offer.
@shay9993
3 жыл бұрын
Capital one uses a different scoring model than fico scores, plus I'm not sure I want three inquiries for one card.
@matthewgreen4564
3 жыл бұрын
I don’t know why the hell they do that. Completely unnecessary.
@migsmayo3954
3 жыл бұрын
Do you know if Capital One allows you to change cards from one with an annual fee to one without?
@NCKyle1980
3 жыл бұрын
This isn't about CapOne, but I've had an odd experience recently. You're very very knowledgeable. So get this. Recently got mailed offer for CSP. No way they'll qualify me for it because credit line minimum. Then they mailed offer Freedom Unlimited. Couple of card match tools said likely approval. However, when I went to Chase's own website for prequalify they said "Can't match you with offers" well I'd got every card I wanted for now so I said screw it. I applied for Freedom Unlimited (Honestly expecting to be declined) but it went thru? How does their own prequalify page say "Nope can't match anything for you." yet card match tools and mailings and then you get approved? :/
@ScreensAndStreams
3 жыл бұрын
Do you have other Chase cards? Unfortunately preapproval or prequalification is sometimes just marketing, where they want you to apply if you fit a very broad bucket of characteristics but it is often not customized to the individual. but on the other side, i am always stumped when they tell someone they won't qualify but then approve them if they go through with the app. maybe they appreciate your won't-take-no-for-an-answer attitude! 😃
@NCKyle1980
3 жыл бұрын
@@ScreensAndStreams absolutely no other cards. Never delt with Chase prior to this. That's what boggles my mind. Main reason I got it is really easy welcome bonus and 3% dining where Propel won't be accepted. 😄
@emmapeel4299
3 жыл бұрын
Unrelated but a question about strictly credit cards (lol). I have family member that is military and since many cards wave the yearly fees (NFCU being a strange exception), what would your line up or favorite cards be if zero fee each year was an option? 🤔 The only I advice I remind him of is places like Hawaii can still charge foreign transaction fees.
@ScreensAndStreams
3 жыл бұрын
i don't know about a lineup necessarily, but i would look at amex gold, blue cash preferred, chase sapphire reserve, maybe amex platinum. depends on what appeals to you as far as cash back vs. travel, but all of those cards could make a lot of sense if you aren't paying the annual fee.
@shakaama
3 жыл бұрын
is having more than one capital one card a thing? does it help credit score?
@diegocenteno8835
2 жыл бұрын
so would they pull my credit info if it’s asking for my social even though it says “see if you’re pee-approved?”
@Lowspeedoperator
3 жыл бұрын
Savor one missing just looked
@ScreensAndStreams
3 жыл бұрын
You don't see it?
@Lowspeedoperator
3 жыл бұрын
@@ScreensAndStreams nope just checked...good thing too trying to garden for 6 mos to get first chase card (flex)
@Lowspeedoperator
3 жыл бұрын
Has the QS with bonus
@ScreensAndStreams
3 жыл бұрын
Still shows SavorOne where I am, sometimes this stuff is geographical, showing different things on different web servers. testing things would be my guess.
@waltervila33
3 жыл бұрын
Oí howzit mate is it true that AMEX PLATINUM sign up bonus went up to 125,000 MR points correct me if I’m wrong thanks
@four20smp
3 жыл бұрын
Rather not use 3 inquiries for one card! Capital one is junk, so many more options out there!
@four20smp
3 жыл бұрын
@@CheekyBird790 yes, but they still pull your credit, 3 inquires once approved.
@stormb28
3 жыл бұрын
@@CheekyBird790 when you apply for the actual card it’s a triple pull. I’m not taking a triple pull for a capital one card.
@BlackJesus8463
3 жыл бұрын
$200 is worth it!
@four20smp
3 жыл бұрын
@@BlackJesus8463 maybe to you, but I could get 3 different cards that gave 200 a piece, 600 for your 3 inquires. But if you wanna waste all 3 for 200 so be it…
@BlackJesus8463
3 жыл бұрын
@@four20smp good for you
@jamess4101
3 жыл бұрын
Capital one is been odd i get pre-approval offers for every card even Walmart rewards but if I go online it says can't pre qualify me because I either have too many capital one cards or have recently got a card I only have a secured card from years ago I don't use a a quick silver I opened 5 most ago and secured should not count as the capital one 2 card rules 😅
@kevindatruth
3 жыл бұрын
I could be wrong but I think if you got a quicksilver 5 months ago Capital One will not allow you to get another credit card before 6 months after your last card. I could be wrong
@jamess4101
3 жыл бұрын
@@kevindatruth you are right capital one has a 6mos wait minimum between cards i just don't know if the old secured card will b a issue with getting a new card if it is going to count as my second card with them which I never received a increase or option for product change or graduate to unsecured June will be my 6th month so I'm crossing my fingers like to get a savor or venture card
@BrittBratAnn_1995
Жыл бұрын
Thank u
@zacharydingo
3 жыл бұрын
Good 😀
@eltacodurito9231
3 жыл бұрын
2 cards still?
@b787sotelo
2 жыл бұрын
Is this legit though? It says pre-approved with no harm done to your credit but then they make you tick a box with a credit check inquiry. So even if you're pre-approved, they're still going to do a hard pulll, correct?
@purp8616
2 жыл бұрын
No they will do a soft pull, which wouldn’t affect your score.
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