Turned down for a Capital One Secured card? **bleep**... I used to have a CP! secured card a few years ago. I closed that card after I was approved for an Orchard and HSBC card that was non-secured....yeah stupid I know. Anyways, When CP1 merged with Orchard my orchard card was closed for some reason then same thing with HSBC. Never missed a payment, always paid balance off in full each month...etc. So Now I'm left with nothing and I was just denied a secured card with Capital One. I called the backdoor number for CAP1 and was told that since my old secured card account was closed at MY REQUEST they are unable to reopen it. They said I would have to reapply. So I did just that...denied... F'ing wonderful.
Here is my work up
I am paying the Macys account off next week.
I have written GW letters to all of the 120+ late Student Loan accounts. (Basically they were accidently left out of a consolidation...)
Sent GW to Toyota asking them to remover 3 (30 day) lates
Paid RJM (CA) for Union Bank last week. Sent Union Bank GW email asking for removal...got email back saying they would investagate and get back to me..that was Monday.
I have 12 inq. (just purchased a car so I was looking for financing).
Any other advice.
Try a credit union secured card after u get utiliztion reporting if no go with credit union last effort first premier you have to give 95 for 300 in CL and its like 75 fee but if u only buy a small item each month and PIF then it will do the job after 7 months reporting good credit go for another secured card or unsecured depending on yopur score they suck FP but if used properly they will get the rebuilding done Then at 13 months b4 new annual fees hit close it