I have horrible credit and I was really scared to apply for this card since it would do a hard pull on my credit. I was really wanting this card since it was unsecured and a rewards card. I decided I would see what popped up by doing the prequalification on their website. It offered me this, the Capital One Quicksilver one unsecured card and the Capital one platinum unsecured card. I almost fell over dead that it offered me those. Also knowing that just because a site says that you are prequalified, doesn't mean you can't still be turned down when you actually apply. I thought long and hard about it and decided my credit was so bad anyways, I couldn't really hurt it anymore. So late last night I logged into CK and decided I would apply. My CK scores were TU 547 and EQ 538 and Experian Fico 8 of 600. (Yes, Ive noticed my Fico scores are much higher than my CK vantage 3.0 scores). I have 38 late student loan payments as one late is equal to many lates on student loans and 2 paid baddies. Not to mention, I also had a charged off credit card account with capital one in the past.
I took the less than 2 minutes to fill out the application and pressed the send application button. The longest 10 seconds of my life passed before the next screen popped up with an approval of a $300.00 credit line, and card will arrive in 7-10 days!! It was a miracle! Horrible credit and I got approved for a unsecured credit card in all less than 2 minutes of my time! I loved the instant approval and not the dreaded waiting several days too! I hope this gives other people the courage to try and see if they can get this too! This shows they are very forgiving and that you can still get approved with a super low credit score! Good luck to the rest of the people trying to rebuild their credit! Being unsecured, I didn't even have to put down a deposit!