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Valued Member
mindacid
Posts: 44
Registered: ‎02-28-2011
0

Re: capital one app status

 

s_rob7488 wrote:
Denied! What the....i just checked my eq this morning and its at 764...how do i get decline?

The one thing we know about Capital One is that we don't know anything about Capilal One.  With your great score I am equally surprised about the denial.  They can always play the "you have sufficient credit already" card.   I think you should just put Cap One behind you and try for bigger and better cards.   There are many who'd be glad to have you.

Regular Contributor
s_rob7488
Posts: 159
Registered: ‎03-25-2012
0

Re: capital one app status

At least someone thinks so! Thanks for that. I didn't want anything except the Ventureone gold.
Contributor
jetsfan2012
Posts: 208
Registered: ‎05-28-2012
0

Re: capital one app status

When I originally applied for them, I received the 7-10 day message. I called a day later, and they told me that message came up because I had listed my PO Box and not physical addy on the app. If I had not called, it would have taken them nearly 3 additional weeks to process. I called 2 days after giving them that info and got the decision.

Credit Karma - 636 8-12-12 USAA
Credit Rebuilding Mode - Cap 1 Plat(500CL) SHOW MC(300CL)
Clean Up Mode - Goal - No New Apps till 6/2013
Established Contributor
YahComb
Posts: 595
Registered: ‎03-10-2012
0

Re: capital one app status

[ Edited ]

thread necro lol

EQ-736(08/14) TU-758(06/14)
Newest to Oldest
Barc Sallie Mae 6K | Citi TY Pref 4.5K | US Bank Cash+ 10K | Chase Freedom 7.5K | Disc It 9K | Amazon Store 2.5K | BOA Cash Rewards 10.5K |

Closed Cards: 4 Oldest: 3yr AAOA: 25.8 mo
Regular Contributor
asteroidblues86
Posts: 234
Registered: ‎08-04-2012
0

Re: capital one app status


jetsfan2012 wrote:

When I originally applied for them, I received the 7-10 day message. I called a day later, and they told me that message came up because I had listed my PO Box and not physical addy on the app. If I had not called, it would have taken them nearly 3 additional weeks to process. I called 2 days after giving them that info and got the decision.


So were you approved?

Valued Contributor
trumpet-205
Posts: 2,255
Registered: ‎11-11-2010
0

Re: capital one app status

[ Edited ]

s_rob7488 wrote:
Denied! What the....i just checked my eq this morning and its at 764...how do i get decline?

Score is not everything. I have FICO of ~720 with AAoA of 1 year, but my credit report is still very thin. You are too in love with credit score.

 

For Cap 1 prime card, you need high AAoA (5+ years). I imagine denial reason being short history.

In My Wallet:
Citi Forward (12/2010) | Citi Dividend (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)
Contributor
jetsfan2012
Posts: 208
Registered: ‎05-28-2012
0

Re: capital one app status

yes I was

Credit Karma - 636 8-12-12 USAA
Credit Rebuilding Mode - Cap 1 Plat(500CL) SHOW MC(300CL)
Clean Up Mode - Goal - No New Apps till 6/2013
Valued Contributor
j_casteel
Posts: 1,883
Registered: ‎06-21-2012
0

Re: capital one app status

i'm pretty sure you have to wait 45 days between apps whether approved or denied.

| Walmart $5k | Amazon $5k | NFCU $19.5k | NavChek $15k | Lowes $17k | BoA WMC $15k | Freedom $3k | Discover $4k | CSP $5k | Marriott $5k | Costco TE $9k | BoA Alaska $5k |
Starting Scores: EQ:571 EX:??? TU:597
Current Scores: EQ:686 EX:709 TU:703
Goal Scores: 700
across the board
Contributor
jetsfan2012
Posts: 208
Registered: ‎05-28-2012
0

Re: capital one app status

you do have to wait 45 days...

Credit Karma - 636 8-12-12 USAA
Credit Rebuilding Mode - Cap 1 Plat(500CL) SHOW MC(300CL)
Clean Up Mode - Goal - No New Apps till 6/2013
Regular Contributor
CardsLifeLine
Posts: 196
Registered: ‎02-08-2013
0

Re: capital one app status

Yes you have to wait for 45 days between the aps. Cap 1 declined my request three times. All banks and credit card companies gave me cards with good credit limits and still Cap 1 say we can not give credit cards for blah blah .... 

Penfed Rewards Visa Sigg (45K)/ Penfed Promise card (5K)/AMEX PRG(NPL)/AMEX ZYNC (NPSL)/AMEX GREEN(NPSL)/AMEX Startwood(9K)/AMEX COSTCO(5K)/AMEX EVERY DAY (10K)/AMEX HILTON HONOURS (8K)/CHASE SAPPHIRE PREFFERED(8K)/CHASE FREEDOM(4K)/AMEX Fidelity Investments(7.5K)/BOA Better Balance Rewards(5K)/BoA Travel Signature Card (10K)/BoA rewards cards (15K)/AMEX MACYS(6K)/Barclaycard Rewards(1.5K)/Salie Mea (5K)/DISCOVER IT(3K)/ DCU VISA Platinum Card(7.5K)/PAYPAL MASTER CARD(8K)/GAP(4.5K)/US Bank Flex Rewards (6K)/ Best Buy (4k)/Gymbore Visa card(6K)/ TARGET(600)/CHILDREN PLACE(900)/WALMART DISCOVER(8K)/TOY R US MASTER CARD(8K)/JCP(4K)/KOHLS(600)– Total 30 Cards

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