Applied for another Capital One card and was denied for strange reason

[12njoy]

Has anyone been denied by Capital One for the following reason:

The reason(s) for our decision are:

Based on your application information, Capital One account credit limit(s) are too high

New accounts has no idea what this means.  Customer service has no idea either.

[willwar14]

Maybe you have hit their max exposure for you?

[B335is]

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@willwar14 wrote:

Maybe you have hit their max exposure for you?

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I agree.  12njoy, how many Cap1 cards do you have?

[12njoy]

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@willwar14 wrote:

Maybe you have hit their max exposure for you?

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could be.  I finally got someone and she said she'll send it back through for reprocessing so I assume that a human will be looking at it.  I hope so anyway.  No biggie if still denied.

[12njoy]

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@B335is wrote:

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@willwar14 wrote:

Maybe you have hit their max exposure for you?

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I agree.  12njoy, how many Cap1 cards do you have?

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4.  They allow you to have 5.  I had 5 at one point but closed one

[B335is]

I have 4 (besides store cards and Saks WEMC) and they've made it pretty clear I'm cut off.  

[12njoy]

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@B335is wrote:

I have 4 (besides store cards and Saks WEMC) and they've made it pretty clear I'm cut off.  

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Well I guess I'll be in good company then

[12njoy]

They must use a different type of scoring model.  They have my EX FICO at 676.  My First Bankcard has it at 713 (same dates)

[12njoy]

nothing ventured, nothing gained

[CreditCuriosity]

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@12njoy wrote:

They must use a different type of scoring model.  They have my EX FICO at 676.  My First Bankcard has it at 713 (same dates)

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usually use 04 scores not enhanced.. I think that means you hit their ceiling as well is my guess unless manual UW will turn it over.  Best of luck