"3rd Time Was The Charm"
Capital One® Cash Rewards for Newcomers Review
Written by: burningphoenixny on 2011-08-23
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
burningphoenixny's review: 
My credit scores are 560 - 539 and 513
and i got a credit limit of 300 bucks unsecured. so i didn't have to pay up front or anything.
I applied a year ago and got declined for unsecured but was approved for a secured card. I said no. Then i applied again in January and got declined again. Now i applied and it's august and got approved. Yet it's odd b/c last year my credit score was slightly higher. It was 620 - 607 and 598. Go figure.
Ps. I was approved the same for an Orchard Unsecured Credit Card as well for $320 bucks.
My credit scores are 560 - 539 and 513 and i got a credit limit of 300 bucks unsecured. so i didn't have to pay up front or anything.
I applied a year ago and got declined for unsecured but was approved for a secured card. I said no. Then i applied again in January and got declined again. Now i applied and it's august and got approved. Yet it's odd b/c last year my credit score was slightly higher. It was 620 - 607 and 598. Go figure.
Ps. I was approved the same for an Orchard Unsecured Credit Card as well for $320 bucks.
2 Comments
Comment 1 by wanderer
Re: 3rd Time Was The Charm 
on 2011-08-24
Great start! Best of luck in your rebuild!
on 2011-08-24 Great start! Best of luck in your rebuild!
Comment 2 by majtykamadness
Re: 3rd Time Was The Charm on 2011-08-24
Capital one is very weird with who they do and dont work with. It seems as though they work better with people rebuilding credit then those whom have well established credit. I filed Ch 7 BK in 2003 and started small with low CL and high APRs. By 2006 I was had received many pre-approvals and VERY reluctantly applied because I didnt want to be shot down. Awful feeling. But I was SHOCKED when I was approved with Capital One Platinum with a $3500 CL and an APR of 14.99% and my scores were average 620 and I had an apartment. I never had a card with them before. They had NO reason to approve me for such a high CL. But I have had NO CL increase since. ;( My scores are now mid 700s, I have a house and most prime cards like Amex, Discover and Citi with very nice CL. It just takes lots of patience and discipline. Only spend what you can afford to pay and treat your credit like cash. We all make mistakes and we all deserve a second chance. GL to ya!
on 2011-08-24 Capital one is very weird with who they do and dont work with. It seems as though they work better with people rebuilding credit then those whom have well established credit. I filed Ch 7 BK in 2003 and started small with low CL and high APRs. By 2006 I was had received many pre-approvals and VERY reluctantly applied because I didnt want to be shot down. Awful feeling. But I was SHOCKED when I was approved with Capital One Platinum with a $3500 CL and an APR of 14.99% and my scores were average 620 and I had an apartment. I never had a card with them before. They had NO reason to approve me for such a high CL. But I have had NO CL increase since. ;( My scores are now mid 700s, I have a house and most prime cards like Amex, Discover and Citi with very nice CL. It just takes lots of patience and discipline. Only spend what you can afford to pay and treat your credit like cash. We all make mistakes and we all deserve a second chance. GL to ya!
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
Disclaimer: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One. Review content is powered by Finance Globe.
Disclaimer: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One. Review content is powered by Finance Globe.
