topic Re: Capital One CLI denial. Recon? in Credit Card Applications

Capital One CLI denial. Recon?

Anonymous — Fri, 25 Jan 2019 17:52:48 GMT

Hello! So I finished by app spree and now I'm trying to get some CLIs on my lowest cards.

Capital One is the lowest, $500 on each (Quicksilver one and Spark Classic).

Now, every single time that I ask for a CLI they deny me because of missing credit info from Equifax.

My EQ report is unlocked and there's no fraud or alerts whatsoever. Is there any actual backdoor number to call? I know that CapOne relies almost entirely on their systems, but there's something I can do.

Just in case, I app'd around 7 months ago for the PlayStation card, and stupid me got denied because I did have the EQ report locked. Could this be the reason? Maybe they still are using that old application report.

Thanks!

Re: Capital One CLI denial. Recon?

Remedios — Fri, 25 Jan 2019 17:56:33 GMT

Cap1 does not recon

Sorry

Re: Capital One CLI denial. Recon?

Anonymous — Fri, 25 Jan 2019 18:03:55 GMT

Yeah, I know they don't do recon but this is something of a report issue, they don't list anything else as a reason than the missing credit info.

I think I'll wait six months. If I do not get any Auto CLI or denied when asking, I'll close them. I'm getting better approval with higher lines already, so having a $500 CC with a $39 AF do not help. Same reason why I closed BofA.

My wife just got an auto CLI from $500 to $2500 and her score and report is lower and most utilized than mine, so I don't know.

Re: Capital One CLI denial. Recon?

Remedios — Fri, 25 Jan 2019 18:23:22 GMT

Is any other lender having issues accessing your report?

Re: Capital One CLI denial. Recon?

Anonymous — Fri, 25 Jan 2019 18:30:40 GMT

@Remedios wrote:
Is any other lender having issues accessing your report?

Nope. Chase used EQ and EX for my Amazon app and they approved me, so I assume my report is good and open. I'm thinking is the issue with the PS application a few months ago, but I don't know how to fix it.

Re: Capital One CLI denial. Recon?

difringe — Fri, 25 Jan 2019 20:06:14 GMT

How long ago did you unlock the report?

Re: Capital One CLI denial. Recon?

Anonymous — Fri, 25 Jan 2019 21:00:14 GMT

@difringe wrote:
How long ago did you unlock the report?

Abouth five months ago. I have tried to get the CLI about 6 weeks ago and now, same answer.

Re: Capital One CLI denial. Recon?

UncleB — Fri, 25 Jan 2019 21:58:24 GMT

Capital One doesn't recon, but it sounds like there's a technical issue keeping them from being able to access your credit reports.

This is the kind of thing (pretty much the only thing) that the Capital One EO can still sometimes assist with.

It wouldn't hurt to reach out to them to see if they can help... the worst they can do is say no.

(Check the backdoor sticky thread for instructions on reaching them... hint: you'll have to start by sending an email.)

Re: Capital One CLI denial. Recon?

Anonymous — Fri, 25 Jan 2019 22:28:55 GMT

@UncleB wrote:
Capital One doesn't recon, but it sounds like there's a technical issue keeping them from being able to access your credit reports.

This is the kind of thing (pretty much the only thing) that the Capital One EO can still sometimes assist with.

It wouldn't hurt to reach out to them to see if they can help... the worst they can do is say no.

(Check the backdoor sticky thread for instructions on reaching them... hint: you'll have to start by sending an email.)

Thanks! Will check with the EO, hope something can be done.

Re: Capital One CLI denial. Recon?

Anonymous — Sat, 26 Jan 2019 06:00:45 GMT

@Anonymous wrote:
Hello! So I finished by app spree and now I'm trying to get some CLIs on my lowest cards.
Capital One is the lowest, $500 on each (Quicksilver one and Spark Classic).
Now, every single time that I ask for a CLI they deny me because of missing credit info from Equifax.

My EQ report is unlocked and there's no fraud or alerts whatsoever. Is there any actual backdoor number to call? I know that CapOne relies almost entirely on their systems, but there's something I can do.
Nope, Sadly Capital One is all about their " technology" they have denied me multiple times, its actually a card I am considering closing due to the lack of customer service, and how they treat us like a number.

Just in case, I app'd around 7 months ago for the PlayStation card, and stupid me got denied because I did have the EQ report locked. Could this be the reason? Maybe they still are using that old application report.
You can call, and speak to them regarding that you're Equifax report was locked, and you mistakenly forgot to remove it. Stuff happens, and I am sure a C.A would understand especially with all this stupid fraud going around.

Thanks!

Re: Capital One CLI denial. Recon?

kdm31091 — Sat, 26 Jan 2019 11:59:26 GMT

I doubt they'd be using a report from that long ago, but I guess anything is possible.

They do not recon decisions, so don't waste your time on that one.

Since you plan on moving on from the card anyway, I wouldn't expend too much effort on the situation. Just accept that Capital One is an automated company and is unlikely to do any manual intervention. As mentioned the EO could (maybe) possibly help with this, but not sure I'd bother if you are getting better cards elsewhere now anyway.

Re: Capital One CLI denial. Recon?

AverageJoesCredit — Sat, 26 Jan 2019 12:19:40 GMT

Reconning with EO for a possible low cli doesnt seem worth the effort needed but good luck

Re: Capital One CLI denial. Recon?

Anonymous — Sat, 26 Jan 2019 16:33:13 GMT

Don't Give up!

I've had Capital one For YEARs. 3 accounts total 1 account loan two CCs

First Account 2012 was secured at 200. Now at 4850(Unsecured QS1)

Second CC(Platinum)opened 2014 SL at 1000 Now at 5000(QS1)

I can tell you this, I hit the CLI button every week on both accounts for 3 months

on the Denial letters they listed My credit Score was too low and got the data points from November 27 2018. and said my score 484 from equifax..(Called and complained to every CSR that would listen because I was at a 650 at the time)

I kept getting they same reason and the same date from ALL Denials from Cap from Nov- Jan.

Then Jan 25(Day the Government Opens IRONIC!!) both my cards got raised from hitting the LOVE button