My 3rd statement cut on the 13th, balance reported 34/1000, paid to 0 the next day pushed the Lov button received 2 , 3 days message. Today received the reason for denial which is " low monthly payments ". I put between 2000 and 3000 a month and pay in full. I really don't know what is the reason behind the denial other than the low monthly payments they are using as an excuse. Do you think I should call CS and find out or its useless with Capital one?.
Cap1 is all computer processed. Whatever the higher ups want for the programmer to put in the server. No one can over rule it. Cap1 like many other banks come up with some makes no sense verbage to say no ticket for you just yet. Just like my last $2200 SP CLI with Disco. Week before was the unsufficent blah blah responce. Cap1 has been changing since 2015. They've tighten things up a bit. But at least its a SP and you can try again until it hits.
I could of accept the fact that the account is too new but claiming that I am making small payments that is not acceptable. So I called this morning and told me that the system approve or decline any request. Now I know there CS is useless at this point. I am thinking to wait for the next statement to cut and try again.
You can try once a week or after staement cuts. There hasnt been a pinpoint DP of when is the best time. Like I said back in 2015-16. Things were much easier to get CLI's and approvals. Times change and we have to live with it. It is what it is.