Capital One Auto Reconsideration

[Anonymous]

I currently have a Capital One and just 1 more payment!  YaY!  I also have 2 credit cards with them.  I applied for a new auto loan and they declined me due to "Capital One account exceeded credit limit - borrower"

Has anyone had any success of a reconsideration from them?

I applied at the dealer and got approved for a loan, but *cough* at 14%... Yikes!  My current Capital One loan is 8%.

My FICO 603 EQ and 630 EX

I have a BK that will go off 2/2011... should I just wait till then to apply? or refi?

[ngerasimatos]

I would call and ask for a recon, I think the issue is the current loan is showing as open still and the system automatically declined based on that.