Credit Cards

[Creditaddict]

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thuglord618 wrote:

Moving Forward_2012 and jake619

you guys might be right but then agin how can i make cap one reconsider if there's some type of error ? that is without them pulling my credit and hurting me ?

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Capital One, probably not... I'm actually so surprised how many don't use the pre-qual they offer on the website when looking at credit cards (personal only)

If it doesn't offer something, don't apply... I tested in 2-3 times applying with no offer and then after i settled old account i had pre-qual come up with a card and applied and it was instantly approved...

[thuglord618]

well i did apply from a pre aproved letter on the mail , but i did recently move to a new adress i leassed a new apt aprox 3 months ago.

[jake619]

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thuglord618 wrote:

Moving Forward_2012 and jake619

you guys might be right but then agin how can i make cap one reconsider if there's some type of error ? that is without them pulling my credit and hurting me ?

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That's where the letter in hand comes in.  If you know the reason before calling you can begin developing an explanation prior to making the call.  If you call blindly then you'll have to ask the reason and then wing your defense on the fly.

In the end your odds of reversal really depend on the issue.  If it's a policy thing with them then move on.  If it's an issue with something they don't like on your report(s) - I'll bet the house the pulled all 3 - then you're self-salesmanship skills are on stage.  Also, since you were declined, make sure to pull your reports so if they bring an item up you can speak knowledgeably about it.

[thuglord618]

true then will wait until the letter arrives .

now what would be another way to get credit and raise my credit .

store credit ?

also buying furniture and getting credit with them that way ?

[MovingForward_2012]

I did not have a preapproval offer come up but I applied anyway and was approved with a $2000 limit on the Cash Rewards card.

I do believe you can only have 2 cards with them and you have to wait at least 45 days to apply for the second.

[thuglord618]

wow well thats cool might be age discimination ? im 23 lol

[Mike360]

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thuglord618 wrote:

wow well thats cool might be age discimination ? im 23 lol

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Pretty sure it's illegal to deny someone due to age unless they under 18. i got my cap one platinum at 19 y/o.

[thuglord618]

OHHH WOW . did you have any history ? any credit ?

[jsucool76]

I applied for my cap1 through a mail offer as well, and they started me at 3k.was 18 at the time, so I doubt it was age discrimination, plus what mike said. Illegal.

No history (other than about 8k student loans in deferment) when approved.

[astritaho1979]

Dont bother with c1 try GE cards they are easy to get and cli every month.Good luck