Capital One denied CLI on QS but qualified for secured

[SunriseEarth]

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@Creditwiser wrote:

You may have good payment history but the baddie (unpaid) tax liens may be significant to their underwritters.

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+1.  With the OP's baddies, approvals at this phase are going to be for secured cards and a few store cards.  OP, hopefully you're active on the "Rebuilding" forum so you can address the baddies and start seeing some improvements on your scores.  Wishing you good luck!

[Anonymous]

OP you may want to consider the BOA secured card. My understanding is that is the only one with a guarantee to graduate to a real card.

[Anonymous]

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@slund5499 wrote:

This is got to be disenchanting at best.

Denied for a CLI for Cap One QS and qualified for $200 secured mastercard.

What the hell am I going to do with a $200 secured card? I already have $300 secured with both US Bank and Wells Fargo. Neither have been graduated and have had both cards for over 2 years.

Certainly hit and miss these days.

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the fact that you have over 2 years with Secured credit cards is remarkable, i wish i had that type of patience....

[Anonymous]

if you had 9 months with a Secured BOA card you would be a superstar by now