topic Re: Capital One decline for too many Capital One Accounts in Credit Card Applications

Capital One decline for too many Capital One Accounts

slund5499 — Thu, 18 Dec 2014 16:41:59 GMT

I wish I had known before applying that the max limit for Capital One accounts was 2.

At least no HP was generated. Anybody else have this same issue?

Re: Capital One decline for too many Capital One Accounts

Anonymous — Thu, 18 Dec 2014 16:43:04 GMT

Max limit for subprime cap one cards.

Re: Capital One decline for too many Capital One Accounts

CreditCuriosity — Thu, 18 Dec 2014 17:34:03 GMT

Least you didn't get a famous Cap1 Triple pull and then found out later, I am quite suprised.. That woulda really bit.

Re: Capital One decline for too many Capital One Accounts

mrsjr — Thu, 18 Dec 2014 19:28:07 GMT

That's strange. I have 3 Cap One cards...

Re: Capital One decline for too many Capital One Accounts

Anonymous — Thu, 18 Dec 2014 19:31:43 GMT

Are they all subprime cards?

Re: Capital One decline for too many Capital One Accounts

slund5499 — Thu, 18 Dec 2014 19:36:06 GMT

Both are QS

Re: Capital One decline for too many Capital One Accounts

slund5499 — Thu, 18 Dec 2014 19:37:58 GMT

I wonder if they count AU as an account.

QS - $2500 - open June 2010

QS - $500 - open Jan 2011

Journey - $1000 (au) - Open Dec 2014

Re: Capital One decline for too many Capital One Accounts

Anonymous — Thu, 18 Dec 2014 19:43:57 GMT

Sounds like product changed QS cards. Yeah they are subprime and youve hit your limit.

Re: Capital One decline for too many Capital One Accounts

Anonymous — Thu, 18 Dec 2014 20:08:24 GMT

The same thing happened to me when I tried to apply for a QS and already have 2 Platinum cards. At least there was no hard pull.

Re: Capital One decline for too many Capital One Accounts

Anonymous — Thu, 18 Dec 2014 20:18:06 GMT

That QS WMC in my sig was once a Platinum prestige. The QS Visa that used to be in my sig was once a Journey. I also got instadenied for a 3rd CapOne without any HP a while ago.

Re: Capital One decline for too many Capital One Accounts

Anonymous — Fri, 19 Dec 2014 02:24:30 GMT

Wait, why are you trying for a thrid Capital One card? Have you looked into other credit cards you might want to app for? Maybe trying gardening for 6 months, grow your current cards, and then go for a non subprime lender.

Re: Capital One decline for too many Capital One Accounts

ttleigh — Fri, 19 Dec 2014 03:51:53 GMT

Good/Bad, Right/Wrong I have 4 capital one cards. Platinum, platinum prestige, quicksilver one and venture one

Re: Capital One decline for too many Capital One Accounts

stagefoursurvivor — Wed, 04 Feb 2015 01:32:42 GMT

Not sure which are prime/subprime but:

11/14

Platinum Visa $3K

QS1 $2K

1/15

QS $5K

VentureOne $7.5K

They've been very, very generous to me, $17.5K total CL in under 3 months

Re: Capital One decline for too many Capital One Accounts

CreditCuriosity — Wed, 04 Feb 2015 01:46:55 GMT

@stagefoursurvivor wrote:
Not sure which are prime/subprime but:
11/14
Platinum Visa $3K
QS1 $2K
1/15
QS $5K
VentureOne $7.5K
They've been very, very generous to me, $17.5K total CL in under 3 months

First two are sub-prime and bottom two are considered prime with Cap1. Aka top two have AF's bottom two don't. Granted the Venture has an AF is considered "Prime" by them.

Re: Capital One decline for too many Capital One Accounts

stagefoursurvivor — Wed, 04 Feb 2015 01:54:41 GMT

Don't recall which but, only one, QS1 or Plat MC has AF, of that I'm sure

Just checked, only QS1 has AF $39, none of the others

Re: Capital One decline for too many Capital One Accounts

CreditCuriosity — Wed, 04 Feb 2015 02:02:26 GMT

Both MC versions have AF being the Platinum and Platinum Classic, the Plat Presiege MC doesn't. QC One MC has AF as well as well as journey, etc... so what they consider rebuilders or not kinda gray as you eventually can PC cards.. Anyways basically the rebuilders are the Planinum and Platinum Classic along with QS1 and Journey.

Re: Capital One decline for too many Capital One Accounts

stagefoursurvivor — Wed, 04 Feb 2015 02:51:07 GMT

The MC must be the Prestige cuz no AF.

Honestly? I was shocked with QS $5K and 3 days later the VentureOne $7.5K??? My highest limits and set the stage as prybars in a few months. Well worth the triple pulls IMO. I wouldn't have apped if they were't so difficult with CLIs!