topic Re: cap one in Credit Card Applications

cap one

Anonymous — Sun, 11 Mar 2018 18:38:28 GMT

wth is going on with cap one? they gave me a pre approval so I decided to take it. I applied and then I was denied **bleep**.

Thank you for applying for a credit card issued by Capital One®. Unfortunately, after reviewing your application, we cannot approve your request at this time. Please know that in the process of making this decision, your credit score was not impacted.

The reason(s) for our decision are:

• Based on your application information,there are too many Capital One accounts

If you feel we missed something or misread your information, then please write to us at P.O. Box 30280, Salt Lake City, UT 84130-0280 and include your Application ID number referenced above.

We know this isn't the answer you were hoping for, but we hope there is an opportunity to provide you new products and services in the future.

Sincerely,
Capital One Customer Care Team

Mind you, I only have two cap 1 accounts that I have had for 3 years. I recieved them when I first started out with no credit so I am greatful, but the card refuse to grow. My cl is 500 on each card. I applied for a cli and it said payments were too low. So, I paid the measly $150 off and they offered me a cli of 100 dollars. I didnt take it... wth. My fako score is 666 and my fico 701. I have only had two baddies (late payment) and that was over 2 years ago. I would close them but I feel my scores would tank. Especially, since I recently went on an app spree.

I spoke with a rep and they said you can have more than 2 cards. So I dont know what the deal is with cap one. Maybe I should use the card more? What are you guys thoughts?

Re: cap one

My_Fako — Sun, 11 Mar 2018 22:25:44 GMT

You can only have 2 of their starter cards. You could add Venture, V1 or Reg Quick Silver... Just not a QS one or subprime Plat. Hope this makes snIce.

Re: cap one

Anonymous — Sun, 11 Mar 2018 23:29:18 GMT

Call again. Take the CLI they offered. Use more often.

Re: cap one

MrDisco99 — Mon, 12 Mar 2018 00:23:17 GMT

Which card did you apply for?

Re: cap one

Anonymous — Mon, 12 Mar 2018 10:01:00 GMT

It was the quick silver one. But now that I am looking at my account I think the pre approval was an error bc I already have that card. Now when I go to the website I do not have any offers. I was hoping to have the qs pc to venture. Not sure if that was possible though.

Re: cap one

Anonymous — Mon, 12 Mar 2018 15:28:32 GMT

Which two do you have now? You may be able to combine them into $1000 and then get another one.

Re: cap one

Anonymous — Mon, 12 Mar 2018 18:16:11 GMT

720dream thank you I didnt know I could combine balances. I have a platnium and the quicksilver1. The plat has an offer to pc to quicksilver 1. Im going to combine the limits and then see if I get an offer for the qs or venture.

Thank you everyone for you help.

Re: cap one

Anonymous — Mon, 12 Mar 2018 19:18:43 GMT

Let us know how it goes!