topic Re: Cap1 couldn't match my records to a card offer? in Bankruptcy

Cap1 couldn't match my records to a card offer?

Anonymous — Fri, 14 Mar 2014 14:24:15 GMT

I just did the "See if your preapproved" on the Cap1 website and the message at the top said, "We couldn't match your records to a card offer".

What does this even mean? Am I totally screwed?

Re: Cap1 couldn't match my records to a card offer?

DrJim — Fri, 14 Mar 2014 14:35:24 GMT

No, it just means they don't already have a preapproval for you. It can be as simple as you have "opted out" so they have not been able to get your profile in order to preapprove you.

Of course it doesn't mean you're home free either. Do you know which CRA they pull in your state?

Re: Cap1 couldn't match my records to a card offer?

Anonymous — Fri, 14 Mar 2014 15:09:52 GMT

Um... I don't know I've ever opted out with them so who knows?

And I "think" the bureau for Arizona is Experian, isn't it? I know it's not Transunion, but one of the two "E" bureaus.

Re: Cap1 couldn't match my records to a card offer?

0REDSOX7 — Fri, 14 Mar 2014 15:12:52 GMT

Did you burn them in your BK?

Re: Cap1 couldn't match my records to a card offer?

Anonymous — Fri, 14 Mar 2014 15:21:33 GMT

No, I've never had a Cap1 Card in my life.

Re: Cap1 couldn't match my records to a card offer?

Lechte — Mon, 31 Mar 2014 06:41:27 GMT

Cap1 pulls all 3. ....as for their preapproval check, I believe they pull TU, but I don't live in Arizona so it could be different for you. As well, the info you put in (address, name, etc..) has to be exact to what shows on your CR report.

Re: Cap1 couldn't match my records to a card offer?

Anonymous — Mon, 31 Mar 2014 13:54:03 GMT

I think it was the my not having gotten any offer in the mail. I applied and was approved for $1,000. Waiting for the card to get here in the mail.

Re: Cap1 couldn't match my records to a card offer?

RCFL — Wed, 09 Apr 2014 05:42:19 GMT

I got the same message when I tried their pre approval page and I am OPTED in. I applied anyway - and now I have their Quick Silver card with 3k limit.....