Capital One denial question

[jsucool76]

the walmart score IS real. It is the TU08 version of the transunion FICO score. 

[trumpet-205]

Classic Platinum is actually more difficult to get, since it gives 9 months 0% intro APR. Since you are rebuilding, you should apply standard 24.9% APR card from Capital One.

[jsucool76]

I wouldn't get the classic platinum anyways since it had a ridiculous AF  

[snowkitty]

I thought maybe I chose the wrong card to apply for....oh well, I'm happy with the outcome....I never would have tried for discover if capital one would have approved me and I've wanted discover a long time

[maiden_girl]

The rebuilding cards are like the secured mastercard and the MTV Visa Reward by cap one...I've never heard of anyone getting a higher CL on that card than $800 though. CapOne is evil tho. I've been a customer for 3 years and never paid any interest on my card as I've always paid it in full. They've never given me another CL increase or anything. I applied for another card in their network to obtain a larger limit and they denied me. Reason still unknown.

[asteroidblues86]

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@maiden_girl wrote:

The rebuilding cards are like the secured mastercard and the MTV Visa Reward by cap one...I've never heard of anyone getting a higher CL on that card than $800 though. CapOne is evil tho. I've been a customer for 3 years and never paid any interest on my card as I've always paid it in full. They've never given me another CL increase or anything. I applied for another card in their network to obtain a larger limit and they denied me. Reason still unknown.

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What card did you apply for? I would think they only offer higher limits on their "excellent" credit required cards.

[maiden_girl]

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@asteroidblues86 wrote:

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@maiden_girl wrote:

The rebuilding cards are like the secured mastercard and the MTV Visa Reward by cap one...I've never heard of anyone getting a higher CL on that card than $800 though. CapOne is evil tho. I've been a customer for 3 years and never paid any interest on my card as I've always paid it in full. They've never given me another CL increase or anything. I applied for another card in their network to obtain a larger limit and they denied me. Reason still unknown.

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What card did you apply for? I would think they only offer higher limits on their "excellent" credit required cards.

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I already had the MTV Visa card with them at $500 then later increased to $750 CL (my first card)). I requested a CLI after 2 years with them and they denied me due to them not accepting customer iniciated CLI requests. I applied for classic platinum card and was immediately denied. They never really stated their reason (not enough revolving credit, I believe) which is stupid considering I had the first CapOne card with them. Their "platinum" card's highest limit I heard was $3,000.That's low for a platinum card.

[trumpet-205]

Platinum is meaningless here in US, since most card issuer these days issue you "Platinum" Visa/MC.

Capital One gives high CL on its excellent credit lineup, but those are very difficult to get approved.

[jsucool76]

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@trumpet-205 wrote:

Platinum is meaningless here in US, since most card issuer these days issue you "Platinum" Visa/MC.

Capital One gives high CL on its excellent credit lineup, but those are very difficult to get approved.

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+1

The highest CL you can get on an average card (initially at least) is $3000, most people start out at the $500-$750 range, and a few lucky people get random CLs to like $5k+ 

Their excellent cards start at like $5,000 and go up to I think $30-35,000

[Anonymous]

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@jsucool76 wrote:

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@trumpet-205 wrote:

Platinum is meaningless here in US, since most card issuer these days issue you "Platinum" Visa/MC.

Capital One gives high CL on its excellent credit lineup, but those are very difficult to get approved.

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+1

The highest CL you can get on an average card (initially at least) is $3000, most people start out at the $500-$750 range, and a few lucky people get random CLs to like $5k+ 

Their excellent cards start at like $5,000 and go up to I think $30-35,000

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Their excellent cards actually have a minimum CL of $3,000 (I have one) and if I remember right their average cards have a minimum CL of $300. 

EDIT - the 3k minimum is for the Green Cash Rewards and Regular Venture (both no AF) -- The Venture with the AF is a minimum 5k limit -- The Orbitz for excellent credit is min. 3k and the platinum prestige for excellent credit is min. $500