Originally Posted by
lily23
Not sure if anyone has experienced this since I've never applied for a Capital One card but under "This card is right for you if you have Excellent Credit", if you click Excellent Credit, one of the conditions is that "•In the last three months, you haven't opened or requested any new credit". So if you are going to do a batch of applications, maybe do this one first?
Yes. you can, and should, do that.
i just did a batch where i applied for 3 cards within a couple weeks. i hadnt applied for anything in 3 months, so i did Capital One IHG first, then i did the RBC competitor VISA Infinite match, then finally the AMEX Plat Air Miles. i think all 3 got approved immediately.
theres an Capital One RFD thread where a bunch of people mentioned that to avoid rejection, you need to make sure
1. 45 days since a C1 product
2. 91 days since ANY credit inquiry
personally i got this card because its a decent bonus , even factoring in the $120 fee. the earn rate is pretty shoddy (2 IHG pts per $ puts it around 1.5 cents per $) so i wouldnt use it regularly. the Plat Elite perk is a nice thing to have but not really a game changer. i most likely wont keep the card after 1st year.