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

[redpat]

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@CreditCuriousity wrote:

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@redpat wrote:

I'm not judging but I do get a laugh when someone posts getting denied with 607k in avail CL.  Holy cannoli, what did you expect?

The entertaining part of these forums.

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the thing about NJOY is he says oh well laughs it off and moves on ..  He doesn't take denials personally, well other than the BBVA one for a BS reason and got it rectified with a 20k approval lol.  He knows denials if part of the game, especially with this much credit.

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Never knew credit was a game.  Well I take that back since seeing these forums, lol.

[Anonymous]

I'm rooting for you! But, if you hit a nice round number like $650K can you leave it for a few days?

[12njoy]

Lol lol CAPTOOL I can always count on your support for keeping it going since we know I'll never get to a nice round number

[Credit-hoarder]

I like reading OP's posts mainly to gather data points about specific lenders and see their behavior patterns. Then when my scores pick back up again I'll know what to and what not to expect from each one.

[redpat]

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@Credit-hoarder wrote:

I like reading OP's posts mainly to gather data points about specific lenders and see their behavior patterns. Then when my scores pick back up again I'll know what to and what not to expect from each one.

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I think  OP data points become less specific because of their open CL.  Very little of the population has that much open credit.  In some point in time the data only applies to individuals with similar data.

[12njoy]

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@Credit-hoarder wrote:

I like reading OP's posts mainly to gather data points about specific lenders and see their behavior patterns. Then when my scores pick back up again I'll know what to and what not to expect from each one.

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Thanks CH, thus the game of credit.   People who are serious about their credit understand that and how important this forum is in that regard.  Great learning tool.   Without you all posting things, I would have never gotten where I am. 

[Anonymous]

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@redpat wrote:

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@CreditCuriousity wrote:

---

@redpat wrote:

I'm not judging but I do get a laugh when someone posts getting denied with 607k in avail CL.  Holy cannoli, what did you expect?

The entertaining part of these forums.

---

the thing about NJOY is he says oh well laughs it off and moves on ..  He doesn't take denials personally, well other than the BBVA one for a BS reason and got it rectified with a 20k approval lol.  He knows denials if part of the game, especially with this much credit.

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Never knew credit was a game.  Well I take that back since seeing these forums, lol.

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It's a game, not literally, but in the same way that the stock market is a 'game.' You take some chances, you're gonna have some denials along the way and it can be fun if you do it right.

Great comments in this thread.

njoy; how long did it take you to  amass that amount in TL's?

[Anonymous]

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@12njoy wrote:

Lol lol CAPTOOL I can always count on your support for keeping it going since we know I'll never get to a nice round number

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You could at least try. 

[12njoy]

I found another prequal offer if Capital One doesn't come through

• You’re Pre-Qualified* for The First Progress Platinum MasterCard® Secured Credit Card issued by Synovus Bank, Columbus, GA
  

  After reviewing your credit profile, we have determined that you are pre-qualified* for The First Progress Platinum MasterCard® Secured Credit Card.

• *Approval is not guaranteed.  You may be approved for this card with any credit history or credit score, so long as: you do not have a pending bankruptcy filing that has not yet been discharged by the court, you successfully fund your security deposit, and you meet the Income Test and Identity Verification requirements mandated by the government for all credit card applications.

• First Progress Platinum Elite MasterCard® Secured Credit Card
• 

  • No credit history or minimum credit score required for approval
  • Monthly reporting to all 3 major credit bureaus to establish credit history
  • Credit line secured by your fully-refundable deposit of $300 - $2,000 submitted with application
  • Receive your card more quickly with new expedited processing option
  • 24/7 online access to your account

[12njoy]

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@Anonymous wrote:

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@redpat wrote:

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@CreditCuriousity wrote:

---

@redpat wrote:

I'm not judging but I do get a laugh when someone posts getting denied with 607k in avail CL.  Holy cannoli, what did you expect?

The entertaining part of these forums.

---

the thing about NJOY is he says oh well laughs it off and moves on ..  He doesn't take denials personally, well other than the BBVA one for a BS reason and got it rectified with a 20k approval lol.  He knows denials if part of the game, especially with this much credit.

---

Never knew credit was a game.  Well I take that back since seeing these forums, lol.

---

It's a game, not literally, but in the same way that the stock market is a 'game.' You take some chances, you're gonna have some denials along the way and it can be fun if you do it right.

Great comments in this thread.

njoy; how long did it take you to  amass that amount in TL's?

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Started in July 2013 with $2,700 in unsecured credit.  It has been a thrill ride all the way