topic Re: Capital one pre approval question. in Credit Card Applications

Capital one pre approval question.

taxi818 — Mon, 09 Feb 2026 00:07:07 GMT

Hello cap one pros. I got email from cap one saying check my pre approval. Which I did. Denied. 🙅. The only reason they gave was have to many capital one accounts. I only have two bucketed cards. As I blew off cards 10 years ago now. I settled one and other long since fell off credit. They gave me a $500 card 3 years ago and I secured a card from 5 years. Just wondering if I closed the card they insecure and go back to pre approval will I get off their bad boy bucket list. All scores now 670-690.

Re: Capital one pre approval question.

GZG — Mon, 09 Feb 2026 05:06:34 GMT

@taxi818 wrote:
Hello cap one pros. I got email from cap one saying check my pre approval. Which I did. Denied. 🙅. The only reason they gave was have to many capital one accounts. I only have two bucketed cards. As I blew off cards 10 years ago now. I settled one and other long since fell off credit. They gave me a $500 card 3 years ago and I secured a card from 5 years. Just wondering if I closed the card they insecure and go back to pre approval will I get off their bad boy bucket list. All scores now 670-690.

if you have 3 unsecured $0 AF cards, close the dead secured card and get your money back if for no other reason than to get your money back

it may help getting back in with cap1 or it may not, I wouldn't count on it if that's the reason to close the account

Re: Capital one pre approval question.

E36 — Wed, 11 Feb 2026 04:48:10 GMT

Can you product change your secure card?

How many Capital One cards do you have? Two? Three?

one unsecured: $500 and one secured: ?

what kind of card is the $500? Platinum? Quicksilver? Savor?

Re: Capital one pre approval question.

taxi818 — Wed, 11 Feb 2026 05:17:26 GMT

Hello. Thry are both unsecured. One quicksilver. One platinum. The platinum graduated at money returned. No increases I. Either. 5 years quicksilver. 3 years platinum. Pre approval denied as they said I have too many capital one cards. There are 3 that's been closed over 9 years. Abd the 2 open accounts. I will just close the platinum abd wait 6 months as someonn my suggested to get off bucket list.

Re: Capital one pre approval question.

taxi818 — Wed, 11 Feb 2026 05:18:18 GMT

I'm not sure a product change will get off bucket list. I will just close it. Obky $300

Re: Capital one pre approval question.

zerofire — Thu, 12 Feb 2026 05:40:54 GMT

The issue is that you have the maximum amount of accounts in the Capital One system for your credit history. Your only allowed 1 Student card, 2 Core cards, and 3 co-branded cards with Capital One. You can combine those any way you want but you cannot exceed the limit of any category. I recommend trying to product change the Platinum into the product you were thinking of. Pre-approvals do not work with you at 2 core cards since there is no space for a third.

Re: Capital one pre approval question.

SeanA — Thu, 12 Feb 2026 23:25:39 GMT

I would guess that it would help, but you may need to give it a few months after closing the account.

Re: Capital one pre approval question.

taxi818 — Fri, 13 Feb 2026 02:21:48 GMT

yes as mentioned. 6 months minimum.

Re: Capital one pre approval question.

jtamay3083 — Sat, 14 Feb 2026 16:26:21 GMT

Does this also count Discover Cards?

Re: Capital one pre approval question.

AndrewF — Sun, 15 Feb 2026 01:05:24 GMT

@taxi818 wrote:
I'm not sure a product change will get off bucket list. I will just close it. Obky $300

A product change doesn't change that you are in a bucket but it usually comes with a significant CLI compared to the original $300-500 limit if it's from a Platinum to a rewards program.

I've seen a Product Change from a Platinum to Quicksilver result in a CLI from $500 to $1800 even right after Capital One declined a CLI on the Platinum.

Re: Capital one pre approval question.

taxi818 — Sun, 15 Feb 2026 01:10:19 GMT

For sure. To me, one product makes no difference. I will just close it since cap one denies my and always says I have too many cap one cards. I know they are holding the 3 cards I burned em for 10 years ago against me. Although it's way beyond SOL. And long since been off my credit report. They still have their internal records.

Re: Capital one pre approval question.

AndrewF — Sun, 15 Feb 2026 01:20:37 GMT

@GZG wrote:
@taxi818 wrote:
Hello cap one pros. I got email from cap one saying check my pre approval. Which I did. Denied. 🙅. The only reason they gave was have to many capital one accounts. I only have two bucketed cards. As I blew off cards 10 years ago now. I settled one and other long since fell off credit. They gave me a $500 card 3 years ago and I secured a card from 5 years. Just wondering if I closed the card they insecure and go back to pre approval will I get off their bad boy bucket list. All scores now 670-690.
if you have 3 unsecured $0 AF cards, close the dead secured card and get your money back if for no other reason than to get your money back

it may help getting back in with cap1 or it may not, I wouldn't count on it if that's the reason to close the account

I've seen on Reddit where Capital One will hold on to a deposit for 10 years. If you only paid $25 to get the $500 CL that's not as much of a problem as if you paid $99 or the entire $500 (which happens sometimes).

If you paid a lot of money I'd definitely close the card to get the deposit back if you don't need the card and this could go on for years to come.

Re: Capital one pre approval question.

taxi818 — Sun, 15 Feb 2026 01:50:24 GMT

As I mentioned. The card that was secure long ago graduated. They gave me deposit back with no cli. I will close it. Wait 6 months. And then look for a pre approval. In 6 months most baddies are gone. In hovering between. 656 and 678 all credit scores. But in 6 months I expect to be over 700.

Re: Capital one pre approval question.

E36 — Tue, 24 Feb 2026 04:30:24 GMT

@zerofire wrote:
The issue is that you have the maximum amount of accounts in the Capital One system for your credit history. Your only allowed 1 Student card, 2 Core cards, and 3 co-branded cards with Capital One. You can combine those any way you want but you cannot exceed the limit of any category. I recommend trying to product change the Platinum into the product you were thinking of. Pre-approvals do not work with you at 2 core cards since there is no space for a third.

P2 had 1 QS One, 1 QS, 1 Savor One, She cancelled the QS1.

Currently she has 2 QS, 1 Savor (It looks like 3 core cards, except the Savor was stuck at $800 and no sign up bonus) None are Capital One for Student (unless the Savor is in that tier)