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Denied for Cap1, but got an offer in the mail?

New Contributor

Denied for Cap1, but got an offer in the mail?

It is exactly for what I applied for, the cap1 platinum, in which I was denied a few days ago.

They said I earned the offer and I was prescreened.

But, it does not say pre-approved.

Should I give them a call and ask if I am preapproved or should I just go ahead and go to the site it says and fill out my info.

No way am I giving up another credit pull to them though.


Starting Score: 577 01/10/2010
Current Score: 660 07/06/2012
Goal Score: 720


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Message 1 of 6
5 REPLIES
Moderator Emeritus

Re: Denied for Cap1, but got an offer in the mail?

And remember, they pull from all 3 CRA's.

 

I would consider waiting a few months and then checking out their pre-approval website.  If you're not pre-approved at that point, don't app.  Until later.  Or never, whichever works better for you.

Just puttin' syrup on something, don't make it pancakes.
Message 2 of 6
Frequent Contributor

Re: Denied for Cap1, but got an offer in the mail?


cajunboy2208 wrote:

It is exactly for what I applied for, the cap1 platinum, in which I was denied a few days ago.

They said I earned the offer and I was prescreened.

But, it does not say pre-approved.

Should I give them a call and ask if I am preapproved or should I just go ahead and go to the site it says and fill out my info.

No way am I giving up another credit pull to them though.


 

Actually, even if you are "pre-approved' they can deny the card. That is always spelled out in the fine print.

 

I am not sure but I think I have seen people say on here that sometimes Cap One pulls from all 3 Credit Bureaus

Message 3 of 6
Valued Contributor

Re: Denied for Cap1, but got an offer in the mail?


cajunboy2208 wrote:

It is exactly for what I applied for, the cap1 platinum, in which I was denied a few days ago.

They said I earned the offer and I was prescreened.

But, it does not say pre-approved.

Should I give them a call and ask if I am preapproved or should I just go ahead and go to the site it says and fill out my info.

No way am I giving up another credit pull to them though.


If you apply again they will deny you again i think there is a 90 day period between application.


Starting Score 3-31-08: EQ 582 TU 577 EX 625
Current Score 3-19-10: EQ 703 TU 712 EX No Clue
Goal Score: 800 By January Of 2012


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Message 4 of 6
New Contributor

Re: Denied for Cap1, but got an offer in the mail?

Thank you all for the info.

Guess I'll try some other time...


Starting Score: 577 01/10/2010
Current Score: 660 07/06/2012
Goal Score: 720


Take the FICO Fitness Challenge
Message 5 of 6
Valued Contributor

Re: Denied for Cap1, but got an offer in the mail?

Did they give you a reason for the decline?

 

Have you called them for a recon?

Message 6 of 6