Credit Cards

[mindacid]

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

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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.

[s_rob7488]

At least someone thinks so! Thanks for that. I didn't want anything except the Ventureone gold.

[jetsfan2012]

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.

[YahComb]

thread necro lol

[asteroidblues86]

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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.

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So were you approved?

[trumpet-205]

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

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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.

[jetsfan2012]

yes I was

[j_casteel]

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

[jetsfan2012]

you do have to wait 45 days...

[CardsLifeLine]

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 ....