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Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Capital One denial question

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

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: Capital One denial question

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.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Capital One denial question

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

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Established Contributor
snowkitty
Posts: 985
Registered: ‎09-10-2012

Re: Capital One denial question

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
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: Capital One denial question

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.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Regular Contributor
asteroidblues86
Posts: 234
Registered: ‎08-04-2012

Re: Capital One denial question


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.


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

Valued Contributor
maiden_girl
Posts: 2,005
Registered: ‎12-29-2011

Re: Capital One denial question


asteroidblues86 wrote:

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.


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


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.

The truth is out there...
FICO scores: 724 (EQ) 709 (EX) 711 (TU) 4/14 | Goal score: 750+ (all 3)
Tradelines: Capital One (5.0k) | Discover IT (5.0k) | Walmart Discover (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)
--------------------------Gardening until my credit recovers...NO MORE INQUIRES TIL 2015
Valued Contributor
trumpet-205
Posts: 2,177
Registered: ‎11-11-2010

Re: Capital One denial question

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.

In My Wallet:
Citi Forward (12/2010) | Citi TY Preferred (05/2011) | Chase Freedom (11/2011) | GECRB/PayPal (05/2012)
Discover it (07/2012) | AMEX BCP (09/2012) | TD/Target REDCard (10/2012) | Chase Ink Classic (11/2012)
BofA BBR (04/2013) | FNBO/Overstock.com (02/2014) | Barclaycard Arrival (04/2014) | FIA/Fidelity AMEX (04/2014)
Valued Contributor
jsucool76
Posts: 2,770
Registered: ‎12-11-2011

Re: Capital One denial question


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.


+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

Wallet: Capital One Cash Rewards 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 1286CL, Walmart Discover: 2000CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 1500CL, Bank Of America Student Travel Rewards: 700CL
Regular Contributor
roxy382
Posts: 129
Registered: ‎01-09-2012

Re: Capital One denial question

[ Edited ]

jsucool76 wrote:

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.


+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


 

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

In My Wallet: Amazon (5/2011) $2200 -- CareCredit (9/11) $4200 -- Capital One Green Cash Rewards (01/12) $3000 -- Citi Forward (1/12) $2500 -- Walmart Store Card (1/12) $1100 -- Maurices (8/12) $200

Starting Score: EX 567 9/13/2010
Current Score: EX(FAKO) 639 EQ(FAKO) 628 TU(FAKO) 662 11/13/2012
Goal Score: 750

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