Credit Cards Center Credit cards from our partners
Reply
Established Contributor
Posts: 508
Registered: ‎02-02-2013
0

Cap 1 Recon - Need help!! Need exec office email (UPDATE)

[ Edited ]

I applied for and was denied a secured card on Feb 7, I got the letter and called to recon and was told it would be reviewed by yesterday.  I call this morning and they tell me they can't review it for another 30 days, the guy on the phone can barely speak yet alone understand english and just keeps giving me the run around. 

 

My score has went up and I have had two collections come off since applying.  The reasons they gave me for denying are the reasons someone needs a secured card :\ (length of credit history, lack of recent account information, there are too few or no revolving accounts)

 

Can someone PM me the exec/president office contact?   I just want a straight answer LOL

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Established Contributor
Posts: 662
Registered: ‎02-20-2013
0

Re: Cap 1 Recon - Need help!! Need exec office email

google the email address of the Capital One CEO. it will come up quite easily. Good luck. Keep us updated.


DCU ( pulled 3/29/13) EQ04 683 | Amex (pulled 3/28/13) EX 760 | US Bank (pulled 3/28/13) EX 753
CreditKarma (4/19/13) TU-TR 701 | TU Vantage 788 | USAA FAKO (3/31/13) EX 728, EQ 699, TU 737 |
Inquiries (4/18/13) EX 13 | EQ 13 | TU 14
Established Contributor
Posts: 508
Registered: ‎02-02-2013
0

Re: Cap 1 Recon - Need help!! Need exec office email

I have, the only thing I keep getting is info on the exec no email is coming up for me

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Established Contributor
Posts: 508
Registered: ‎02-02-2013
0

Re: Cap 1 Recon - Need help!! Need exec office email

Whatever department I was speaking with answer was

 

"We can't pull your credit again for another 30 days" and "You need to have existing good credit to get qualify for the secured card"

 

Soo there is my answer.  I did find the email to the executive, atleast I think its right LOL and I have emailed them.  I'll keep you posted with what happens!

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Established Contributor
Posts: 508
Registered: ‎02-02-2013
0

Re: Cap 1 Recon - Need help!! Need exec office email

I just checked my mail and there was a letter from Cap 1 regarding the review of my account trying to get a secured card.

 

It says that they can't pull my credit again for thirty days and that if I want to be reconsidered right away to fax them a copy of all three of my credit reports.  I don't know why they want all three since they pull EQ.

 

I won't do anything until I hopefully hear back from the executive office.

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Community Leader
Senior Contributor
Posts: 30,757
Registered: ‎02-07-2013
0

Re: Cap 1 Recon - Need help!! Need exec office email

Cap 1 normally pulls all 3 reports for approvals

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Moderator Emerita
Posts: 27,204
Registered: ‎09-13-2012
0

Re: Cap 1 Recon - Need help!! Need exec office email


myjourney wrote:

Cap 1 normally pulls all 3 reports for approvals


+1000

Established Contributor
Posts: 508
Registered: ‎02-02-2013
0

Re: Cap 1 Recon - Need help!! Need exec office email

Ahh, that is strange since it says it pulled info from EQ on my letter.   Either way I'm not faxing them 30+ pages of info pulled from all three credit reports.  That is absolutely absurd!

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Community Leader
Senior Contributor
Posts: 30,757
Registered: ‎02-07-2013
0

Re: Cap 1 Recon - Need help!! Need exec office email

Those letters just state 1 CA 

but make no mistake cap1 pulls all 3 

I have 2 cards thus 2 pulls each = 6 pulls im stuck with for 2 years 

Good Luck I wish you the best 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Established Contributor
Posts: 508
Registered: ‎02-02-2013
0

I Re: Cap 1 Recon - Need help!! Need exec office email (UPDATE)

Update:

 

I was able to get in contact with the exec office this morning.  They told me the same thing the CSR told me which was that you had to have some sort of good credit to get the secured card. I have been denied the BOFA, Cap 1, 2 Credit unions and wells fargo secured cards.  FIVE secured cards I've been denied!

 

I'm going to take a break from trying to repair for now it seems this ONE charge off I have is holding me back from just about anything.  I have fingerhut that I was able to get so I'm going to garden that for a while and Aarons that will be reporting in a few months. 

 

 

Total CL: $40k+
Discover, BOA, GE, Cap 1, Chase, Barclay!
Gardening Start: 04/22/2013

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.