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They Gave Me Another Chance: Capital One® Classic Platinum Credit Card Review

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They Gave Me Another Chance - Written by: Rwmtd on 2010-05-12

Capital One® Classic Platinum Credit Card
[Card Details]

 
Overall Satisfaction
Customer Service
Rewards Not Rated
Account ManagementNot Rated
Delivery TimeNot Rated





Rwmtd's Card Review:

I had a capital one card over ten years ago. So I decided to reapply and lo and behold I was approved. Mind you I applied for the secured card (and yes you can be denied a secured as well) I was suprised when I saw that I had been approved. I am still rebuilding my scores are rising bit by bit and they are exp 620, trans 600 and EQ 650.

Called customer service with my deposit info and I should be getting the card in the next couple of days.

 




Comments On This Review: (8 Total)



Comment 1
Comment Title: Re: They Gave Me Another Chance From Atthelake1 on 2010-05-12

I am surprised you didn't check the pre qualification page to see if they would approve you for a regular cap one card first. I am saying that b/c your scores are fairly decent.



Comment 2
Comment Title: Re: They Gave Me Another Chance From ColoNative on 2010-05-13

Congrats!



Comment 3
Comment Title: Re: They Gave Me Another Chance From Meya on 2010-05-13

Congrats and welcome back!



Comment 4
Comment Title: Re: They Gave Me Another Chance From Rwmtd on 2010-05-13

Thanks everyone. @atthelake1 - I didn't want to take the chance I guess so I went for the secured.

@Meya, it is good to be back!



Comment 5
Comment Title: Re: They Gave Me Another Chance From Joeyman on 2010-05-16

Maybe they'll send you a pre-approval offer down the road for a regular card? I got a pre-approval offer from them back in December and applied, got it with a $1k limit (already $1.5k limit). I had 15 months credit history with scores from 680-712.



Comment 6
Comment Title: Re: They Gave Me Another Chance From Kforbes86 on 2010-05-17

I wouldnt mind having a capital one card again, but I had a charge-off with them close to 5 years ago, and I don't want to apply and get denied because of the past charge-off.



Comment 7
Comment Title: Re: They Gave Me Another Chance From Wanderer on 2010-05-23

Fingers crossed. I had Capital One deny me for a personal credit card due to a chargeoff and BK 8 years ago. Good to know there may be an opportunity for a second chance. On the business side. Capital One gave me two accounts with CL's of $10.6K and $6K CL. So, I know they can be good to the account holder!



Comment 8
Comment Title: Re: They Gave Me Another Chance From Vingstar on 2010-08-21

IF you already have a secured card with them, is it possible to get a 2nd one?


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