topic Re: Cap1 QS CLI - recent past due? in Credit Card Applications

Cap1 QS CLI - recent past due?

Skye12329 — Sun, 26 Jun 2022 01:37:25 GMT

Was just wondering if this sounds like a generic response from cap1? Hit the CLI button on QS and got denied.

- Cap1 account recent past due

- use is too low

The reason I'm confused and wondering if the past due one is a generic response is I haven't been past due. Instead I pay super early and nothing's bounced or anything. The low use is definitely valid though. My accounts haven't been restricted either. First time I've seen that denial.

ETA - I did call cap1 and the rep said my accounts have never been past due but referred me to pull my credit reports from the letter since they're not credit advisors.

Re: Cap1 QS CLI - recent past due?

OmarGB9 — Sun, 26 Jun 2022 05:31:54 GMT

Did you by chance burn Cap One in your BK7?

Re: Cap1 QS CLI - recent past due?

Skye12329 — Sun, 26 Jun 2022 06:01:19 GMT

I did but this is the first time this message has come up for me. The two rep asked if I had an hsbc card when it transitioned but I didn't.

Re: Cap1 QS CLI - recent past due?

OmarGB9 — Sun, 26 Jun 2022 16:23:24 GMT

@Skye12329 wrote:
I did but this is the first time this message has come up for me. The two rep asked if I had an hsbc card when it transitioned but I didn't.

Then the "recent" past due could be the burned account from your BK, even if it hadn't come up before. Also, CSRs aren't always the most knowledgeable.