Capital 1

[Booboo71]

So I closed my cap1 secured today and I closed my kohls card today. I was told by executive office that card is counted as a cap1 credit card so I axed it, never use it anyway. So this woman tells me I have been denied because I have 4 accounts with them. Very confusing when I thought it was only for actual visa/ mastercard accounts not store cards.. Does anyone have any advice on this? I had tried for the qs1 and now I'm waiting for EO to look back into my application to see if now I can be approved..

[Booboo71]

Bumpy bump?

[Anonymous]

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@Booboo71 wrote:

Bumpy bump?

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QS1 wasn't worth closing those two, honestly.

[SunriseEarth]

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@Booboo71 wrote:

So I closed my cap1 secured today and I closed my kohls card today. I was told by executive office that card is counted as a cap1 credit card so I axed it, never use it anyway. So this woman tells me I have been denied because I have 4 accounts with them. Very confusing when I thought it was only for actual visa/ mastercard accounts not store cards.. Does anyone have any advice on this? I had tried for the qs1 and now I'm waiting for EO to look back into my application to see if now I can be approved..

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AFAIK, the cobranded cards didn't count toward your total, but I figured that would have included private label cards, too.   Anyway, since you took the HPs and closed the other cards, anyway, it's worth the effort to recon.   Just hang tight for the EO's answer...and good luck!

[ddemari]

If you read the terms on the cards page before hitting submit, it states that information. also on kohls neiman marcus saks fifth avenues applications print it explains those rules.

[Booboo71]

Well the secured card needed to be closed it served its purpose and the kohls i pnly used 4 times and i got that one in store dec 2013. I havent used it since June. My understanding was co branded cards did not count toward over all amount of cap1 cards. EO told me they do.