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haulingthescoreup
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Re: Capital One Cash Reward Card – Denied – Refuse to Say why!

Ouch! A useful reminder that there's the info on our reports, and then there's the info on the bank's internal records. :smileytongue:

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
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MsNae
Posts: 33
Registered: ‎12-06-2011
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Re: Capital One Cash Reward Card – Denied – Refuse to Say why!


haulingthescoreup wrote:

Ouch! A useful reminder that there's the info on our reports, and then there's the info on the bank's internal records. :smileytongue:


Indeed!

 

Ms. Nae

" Whether you THINK YOU CAN, or whether you THINK YOU CAN'T, YOUR'RE RIGHT. (Henry Ford)

EQ (745) 12/10/11, TU (734) 12/10/11, EX (729) 12/10/11

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LS2982
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Registered: ‎04-09-2011
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Re: Capital One Cash Reward Card – Denied – Refuse to Say why!


learnin113 wrote:

Seriously, with scores in the 700s, you could go for Citi or Chase.  No need for Crap One.


Cap 1 does have good cards if your have good/excellent credit.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
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Walt_K
Posts: 3,065
Registered: ‎11-02-2009
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Re: Capital One Cash Reward Card – Denied – Refuse to Say why!


john398 wrote:

learnin113 wrote:

Why do people continue to give Crap One the time of day...I will never understand!



Its basicly one of the better rebuilder cards IMHO


+1.  All of their cards have no foreign transaction fees.  That is a pretty solid benefit.  And very little representation here for their prime cards.  I sincerely doubt they handle CLI requests and such the same for the prime cards.  

 

   


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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Walt_K
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Re: Capital One Cash Reward Card – Denied – Refuse to Say why!


haulingthescoreup wrote:

MsNae wrote:

Thanks for your frank advice. I tried to move on..in fact I was approved for better cards. It just bothers me that I am unable to move them and that I have a good account with them already. When I say “right a wrong”..I mean my own for even applying. So, I am trying to correct my own error. 


That's a very common (and understandable) attitude. People tend to take things personally, when it's often just a computer that does the thumbs down. I also read lots of "I'm closing my card; that'll show them!" posts, and I doubt seriously that anyone at a major bank will even notice, much less wring their hands in despair, when someone closes a card.

 

It's a shame that you invested so much time on the call just to get shot down. :smileysad:

 

Cap One is an odd company, in that many of their cards are rebuilders, and 99% of the time just flat will never grow with you (= give CLI's, etc.), and then a few of their cards are great.

 

They keep sending me stuff for their Cash Rewards card, with the effectively 1.5% cash back thing, but I refuse to let myself in for 3 hards. That's just ridiculous. (Personal decision, though, it makes perfect sense for others.)


May not be worth the risk to you, but I've read elsewhere that they don't necessarily pull alll 3 for prime cards, sometimes 1, sometimes 2.  I wouldn't think the 3 pull would matter to you that much though.  You don't apply for things that often do you?


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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haulingthescoreup
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Re: Capital One Cash Reward Card – Denied – Refuse to Say why!


Walt_K wrote:

haulingthescoreup wrote:

...They keep sending me stuff for their Cash Rewards card, with the effectively 1.5% cash back thing, but I refuse to let myself in for 3 hards. That's just ridiculous. (Personal decision, though, it makes perfect sense for others.)


May not be worth the risk to you, but I've read elsewhere that they don't necessarily pull alll 3 for prime cards, sometimes 1, sometimes 2.  I wouldn't think the 3 pull would matter to you that much though.  You don't apply for things that often do you?


Well, ahem, err, not normally. :smileyvery-happy:

 

I picked up a Navy card in April and a Chase SW Airlines Visa in August, and they went on EQ. Then on a whim, I asked for a CLI on my Home Depot, and they harded my EQ report. :smileymad:

 

There's still an inq <12 months on EX for AmEx True Earnings.

 

Nothing on TU, aka the who-cares report, at least for anything I might be interested in.

 

Score drops on both reports for the inqs (I have my EX FICO through PSECU).

 

So I'm letting things heal. :smileyhappy:

* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Senior Contributor
Walt_K
Posts: 3,065
Registered: ‎11-02-2009
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Re: Capital One Cash Reward Card – Denied – Refuse to Say why!


haulingthescoreup wrote:

Walt_K wrote:

haulingthescoreup wrote:

...They keep sending me stuff for their Cash Rewards card, with the effectively 1.5% cash back thing, but I refuse to let myself in for 3 hards. That's just ridiculous. (Personal decision, though, it makes perfect sense for others.)


May not be worth the risk to you, but I've read elsewhere that they don't necessarily pull alll 3 for prime cards, sometimes 1, sometimes 2.  I wouldn't think the 3 pull would matter to you that much though.  You don't apply for things that often do you?


Well, ahem, err, not normally. :smileyvery-happy:

 

I picked up a Navy card in April and a Chase SW Airlines Visa in August, and they went on EQ. Then on a whim, I asked for a CLI on my Home Depot, and they harded my EQ report. :smileymad:

 

There's still an inq <12 months on EX for AmEx True Earnings.

 

Nothing on TU, aka the who-cares report, at least for anything I might be interested in.

 

Score drops on both reports for the inqs (I have my EX FICO through PSECU).

 

So I'm letting things heal. :smileyhappy:


If you're wounded, the rest of us are crippled.  :smileywink:


Starting Score: ~500 (12/01/2008)
Current Score: EQ 681 (04/05/13); TU 98 728 (01/06/12), TU 08? 760 (provided by Barclay 1/2/14), TU 04 728 (lender pull 01/12/12); EX 742 (lender pull 01/12/12)
Goal Score: 720


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