topic Re: 7-10 Days Denial-Capital One... in Credit Cards

7-10 Days Denial-Capital One...

happy0510 — Thu, 23 Apr 2009 23:43:07 GMT

I shouldn't have applied!!! Argh....I feel like crud!!! Dang! I only have 1 open TL and is why I am applying in the 1st place...I knew I was blacklisted from the whole world!! Who do they pull by the way??

Re: 7-10 Days Denial-Capital One...

Anonymous — Thu, 23 Apr 2009 23:45:26 GMT

Unless something has changed, CAP 1 pulls all 3 credit bureaus. I would definitely call and recon if I was you. You two scores look good enough to get one of their cards unless you have burned them in the past.

Re: 7-10 Days Denial-Capital One...

happy0510 — Thu, 23 Apr 2009 23:54:22 GMT

I have NEVER had Cap One! I will try to recon.....see what happens! Man...I am trying to add another TL cause I am buying ahouse and need TL's!!!

Re: 7-10 Days Denial-Capital One...

Anonymous — Fri, 24 Apr 2009 00:00:08 GMT

Have you tried a secured card? I think some popular ones are BOA, National City, and Wells Fargo. I definitely know the BOA secured does unsecure around 9-12 months. I would also recommend that you try a local CU, they tend to be more understanding about past mistakes.

Re: 7-10 Days Denial-Capital One...

Anonymous — Fri, 24 Apr 2009 04:16:32 GMT

@happy0510 wrote:
I shouldn't have applied!!! Argh....I feel like crud!!! Dang! I only have 1 open TL and is why I am applying in the 1st place...I knew I was blacklisted from the whole world!! Who do they pull by the way??

Cap One does pull all 3. Did they give a reason for the denial?

Re: 7-10 Days Denial-Capital One...

happy0510 — Fri, 24 Apr 2009 22:40:22 GMT

No reason. Just 7-10 day message. Letter, blah, blah.... Did not say denied exactly...just 7-10 days.

I already got a secured Orchard that went unsecured 12 months later.

Re: 7-10 Days Denial-Capital One...

happy0510 — Fri, 24 Apr 2009 22:55:57 GMT

Ok...so I just called customer service. They said it was an error message?? They resubmitted my app (does this mean another hard pull??) I will get notice within up upto 15 days they said. What the heck is going on? I told the CS Rep I was denied and wanted a reason. Grrr....WHy do I feel so terrible??

Re: 7-10 Days Denial-Capital One...

Anonymous — Fri, 24 Apr 2009 23:34:40 GMT

Capital One rarely approves instantly. Most of the the consumers who were approved for a Capital One card receive the 7-10 day message including myself.

Re: 7-10 Days Denial-Capital One...

PayingTheBills — Sat, 25 Apr 2009 01:31:01 GMT

I got the approval screen at the end of my application online.

Re: 7-10 Days Denial-Capital One...

Anonymous — Sat, 25 Apr 2009 02:03:09 GMT

I got denied, and then received the card a week later from Capital One. This was several years ago.

Re: 7-10 Days Denial-Capital One...

happy0510 — Mon, 27 Apr 2009 16:24:05 GMT

Well, that's nice to know. I will keep you guys updated on the outcome. Keep your fingers crossed!!

Re: 7-10 Days Denial-Capital One...

Anonymous — Tue, 28 Apr 2009 01:08:03 GMT

You may have applied for the wrong card. Did you apply for the one for fair credit. I am sure you were approved. I was approved for $1k two weeks ago and I had two prior cards from them that were included in my bankruptcy.

Re: 7-10 Days Denial-Capital One...

happy0510 — Tue, 28 Apr 2009 16:04:19 GMT

I either applied for platinum or standard platinum.

Re: 7-10 Days Denial-Capital One...

Anonymous — Tue, 28 Apr 2009 23:19:41 GMT

I was approved for Capital One Platinum. You probably were approved for a higher CL becuase your scores are better than mine and you don't have a bk. My card came in a week. Good luck. If you are denied you can always call the backdoor number for reconsideration.

Re: 7-10 Days Denial-Capital One...

happy0510 — Fri, 01 May 2009 21:14:30 GMT

I haven't heard anything yet or received a letter. It's been 6 days. I'm not upset anymore either. I got over the initial pain...hahaha

Re: 7-10 Days Denial-Capital One...

Anonymous — Sat, 02 May 2009 02:06:46 GMT

well good luck hope you get approved

Re: 7-10 Days Denial-Capital One...

ralbusta — Sat, 02 May 2009 02:15:23 GMT

Call Cap1: 800-548-4593 (application department; status) and see if you were approved. They should have the info to help you.

Re: 7-10 Days Denial-Capital One...

Anonymous — Sat, 02 May 2009 02:33:13 GMT

Wow Limeni how did you get such a score increase in two mos.

Re: 7-10 Days Denial-Capital One...

happy0510 — Sat, 02 May 2009 02:41:04 GMT

Thanks Ralbusta,

I called that number and the automated lady said I will have an answer by 5/21/09. So, I transferred to a CSR and told them I was denied and need an answer again....and they said "your application is still being processed and it will take up to 3 weeks". I can't believe it. Either you are approved or you aren't geez. Especially when you are denied and it takes them forever to let you down!! Anyone else wait forever for bad news??

Happy

Re: 7-10 Days Denial-Capital One...

ralbusta — Sun, 03 May 2009 16:32:19 GMT

Are you sure you were denied? 7-10 day message doesn't mean denial. If the CSR didn't say you were denied, then I believe that they are still processing your app like she said. Believe me when you are denied they'll tell you, they just may not say why on the phone. I would just keep trying the automated line every few days, until you get an actual answer yes or no. The system takes 48 hrs to update once they make a decision. Good luck!