Denied Capital One CLI lates?

[Anonymous]

I have been asking monthly for a CLI on Cap One Platinum before credit steps kicks in. At first I got the we need to evaluate your usage denial letters. This month it has changed to recent 60 day late payments.

I find this weird since I haven't been late at all and make a fee payments a month. None of my other accounts have been late either.

Anyone else ever see that message?

[OmarGB9]

Probably just a generic answer the computer spit out (maybe in hopes you'll stop asking all the time only joking!). I would call CS if you're concerned.

[olehammer]

Do you have any existing 60 day lates or collections from the previous 2 years? That could be it.

[Anonymous]

Nope nothing in the past two years. I figure I will call later in case they are crossing my info with someone else.

[olehammer]

That's scary! Good luck.

[Dalmus]

I got a generic "recent late payments" denial from Cap 1, too.  I had no late payments at all in the past two years, and I actually pulled all my credit reports to check. 

I emailed the EO and politely explained why I thought the denial should be reconsidered, got a call back from somebody a couple hours later and answered her questions.  The next day I had my CLI.

[Anonymous]

I actually got that same notice, and called Capital One immediately and was told a generic response.  I emailed the EO and still haven't received a call or answer. Ive only have a 30 day late and that was over 3 years ago, my letter stated recently a 60 day late payment.  Keep us posted.