topic Re: Denied Capital One CLI lates? in Credit Cards

Denied Capital One CLI lates?

Anonymous — Mon, 14 Dec 2015 15:12:08 GMT

I have been asking monthly for a CLI on Cap One Platinum before credit steps kicks in. At first I got the we need to evaluate your usage denial letters. This month it has changed to recent 60 day late payments.

I find this weird since I haven't been late at all and make a fee payments a month. None of my other accounts have been late either.

Anyone else ever see that message?

Re: Denied Capital One CLI lates?

OmarGB9 — Mon, 14 Dec 2015 15:19:08 GMT

Probably just a generic answer the computer spit out (maybe in hopes you'll stop asking all the time only joking!). I would call CS if you're concerned.

Re: Denied Capital One CLI lates?

olehammer — Mon, 14 Dec 2015 15:46:00 GMT

Do you have any existing 60 day lates or collections from the previous 2 years? That could be it.

Re: Denied Capital One CLI lates?

Anonymous — Mon, 14 Dec 2015 17:39:17 GMT

Nope nothing in the past two years. I figure I will call later in case they are crossing my info with someone else.

Re: Denied Capital One CLI lates?

olehammer — Mon, 14 Dec 2015 17:40:21 GMT

That's scary! Good luck.

Re: Denied Capital One CLI lates?

Dalmus — Mon, 14 Dec 2015 17:55:22 GMT

I got a generic "recent late payments" denial from Cap 1, too. I had no late payments at all in the past two years, and I actually pulled all my credit reports to check.

I emailed the EO and politely explained why I thought the denial should be reconsidered, got a call back from somebody a couple hours later and answered her questions. The next day I had my CLI.

Re: Denied Capital One CLI lates?

Anonymous — Mon, 14 Dec 2015 18:02:51 GMT

I actually got that same notice, and called Capital One immediately and was told a generic response. I emailed the EO and still haven't received a call or answer. Ive only have a 30 day late and that was over 3 years ago, my letter stated recently a 60 day late payment. Keep us posted.