"What's FINALLY Back In My Wallet"
Capital One® Platinum Review
Written by: brian23 on 2008-10-23
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
brian23's review: 
I can't believe it, I finally got back in the good graces of cap one. I really messed up with them about 6 years and let my account charge off. 2 years later I paid them back the money (after I got a steady job) and I have been trying ever since to become a card member again. Well, I applied in April of this year and was declined again and I thought "hey its been 6 months and I've been pretty good, why not give it another go around." I went online filled out the app and it said Congratulations, your approved for a new cap one card. I printed out the approval page from so much excitement lol.
At this point, I could care less if they only gave me the 300 dollar limit, because this time I will take good care of it. Lol!
My scores are between 590-612, in case anyone was wondering.
Thanks again to everyone for all the great info on this website.
I can't believe it, I finally got back in the good graces of cap one. I really messed up with them about 6 years and let my account charge off. 2 years later I paid them back the money (after I got a steady job) and I have been trying ever since to become a card member again. Well, I applied in April of this year and was declined again and I thought "hey its been 6 months and I've been pretty good, why not give it another go around." I went online filled out the app and it said Congratulations, your approved for a new cap one card. I printed out the approval page from so much excitement lol. At this point, I could care less if they only gave me the 300 dollar limit, because this time I will take good care of it. Lol!
My scores are between 590-612, in case anyone was wondering.
Thanks again to everyone for all the great info on this website.
5 Comments
Comment 1 by thomas1
Cap One 
on 2008-10-23
Hey Brian, Congrats on your approval! Enjoy your new card, and start looking for those cli's. Cap One is very known for giving second chances. You should get the credit steps letter approx 2 weeks after getting the card. Over the next year or so, you should see some nice increases if you take care of it, they will you.
on 2008-10-23 Hey Brian, Congrats on your approval! Enjoy your new card, and start looking for those cli's. Cap One is very known for giving second chances. You should get the credit steps letter approx 2 weeks after getting the card. Over the next year or so, you should see some nice increases if you take care of it, they will you.
Comment 2 by dunta
Good Job. on 2008-10-23
When I read how you printed out the approval page it reminded me of myself. Today when I got an instant approval for a different card I did the exact same thing! Anyway I'm glad you paid your debt back to Capital One. It's good they gave you a second chance. I hope you enjoy the card and use it responsibly.
on 2008-10-23 When I read how you printed out the approval page it reminded me of myself. Today when I got an instant approval for a different card I did the exact same thing! Anyway I'm glad you paid your debt back to Capital One. It's good they gave you a second chance. I hope you enjoy the card and use it responsibly.
Comment 3 by brian23
Called CS on 2008-10-24
I called and spoke to a CS rep and he told me that I was approved for the $300 limit card. Like I mentioned above, it works for me because I will make this card grow.
on 2008-10-24 I called and spoke to a CS rep and he told me that I was approved for the $300 limit card. Like I mentioned above, it works for me because I will make this card grow.
Comment 4 by arod
Congrats on 2008-10-25
Great card... I think this bank is one of 3 favorite bank out there for me.
Congrats, take care of them and they will do the same in return and soon your credit file will look good so hang in there.
Alex
on 2008-10-25 Great card... I think this bank is one of 3 favorite bank out there for me.Congrats, take care of them and they will do the same in return and soon your credit file will look good so hang in there.
Alex
Comment 5 by thomas1
Cap One on 2008-11-02
You'll see some nice increases once you pass the 6 month mark. They auto cli regularly and very nicely!
My increases have all been around 800 each
on 2008-11-02 You'll see some nice increases once you pass the 6 month mark. They auto cli regularly and very nicely!My increases have all been around 800 each
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.
