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

[12njoy]

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@Anonymous wrote:

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@12njoy wrote:

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@Anonymous wrote:

What's your income like, if you don't mind me asking?  And as for the new pre-qual...isn't it a secured card?  I thought you were only going for unsecured credit...

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Income 110k and I was being sarcastic with the secured card post. 

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Welp TIL I don't sarcasm 

Here's to seeing you hit 750k!  I'm sure you can find another CU or three that will approve you for 20k+ limits 

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Thanks for the encouragement but I'm definitely not thinking of going that high.   Things are starting to wind down for me. 

[redpat]

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@12njoy wrote:

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@redpat wrote:

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@12njoy wrote:

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@redpat wrote:

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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.

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There are so many variable to a credit decision so one shouldn't focus on one piece of the puzzle.  The amount of credit is just one piece along with other factors such as income, employment history, etc...  If you limit yourself to focus on one narrow piece of the credit puzzle, you've missed the boat.

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No boat to miss.  I would never use your information because it doesn't apply.  I know my variables of information as it factors to me.   Credit cards are just one piece of credit usage.  My Banker would call all my business lines of credit if I went out to get 607k of CC and then have me committed, lol.

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You've missed it trust me.  You wouldn't necessarily have to have 607k to have your lines cancelled.  It's all relative to your portfolio.  Let's not make this personal as to "my information".  Information is information.  If I applied for Chase cards with 500k+ and others did also and they had 25k in lines, the information is useful using your analogy.  And in that case (real situation) was useful to a lot of people who had far less than 607k in TL's.  

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I didn't miss it, I used $607k  figuratively.  Credit is also about having balance of need and just accumulating just for the sake of accumulating.  All the information on theses forums can be taken with a grain of salt and one must be apply their personal variables when applying for any kind of credit.  No question these forums are a great resource but not the only one.  

[NRB525]

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@redpat wrote:

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@12njoy wrote:

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@redpat wrote:

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@12njoy wrote:

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@redpat wrote:

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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.

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There are so many variable to a credit decision so one shouldn't focus on one piece of the puzzle.  The amount of credit is just one piece along with other factors such as income, employment history, etc...  If you limit yourself to focus on one narrow piece of the credit puzzle, you've missed the boat.

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No boat to miss.  I would never use your information because it doesn't apply.  I know my variables of information as it factors to me.   Credit cards are just one piece of credit usage.  My Banker would call all my business lines of credit if I went out to get 607k of CC and then have me committed, lol.

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You've missed it trust me.  You wouldn't necessarily have to have 607k to have your lines cancelled.  It's all relative to your portfolio.  Let's not make this personal as to "my information".  Information is information.  If I applied for Chase cards with 500k+ and others did also and they had 25k in lines, the information is useful using your analogy.  And in that case (real situation) was useful to a lot of people who had far less than 607k in TL's.  

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I didn't miss it, I used $607k  figuratively.  Credit is also about having balance of need and just accumulating just for the sake of accumulating.  All the information on theses forums can be taken with a grain of salt and one must be apply their personal variables when applying for any kind of credit.  No question these forums are a great resource but not the only one.  

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As you make choices about what credit to apply for, what do you use to get some idea whether you can forecast an outcome? The results of other people of course. You may not realize it, you may have thoroughly internalized many years of listening. In this case, there is possibly either a number of cards issue or total credit lines issue, so that's a set of datapoints that we can learn from.

Best not to take an attitude that one knows everything. It's always good to learn something new each day.

[willwar14]

I seem to remember when you broke 500k you said things were slowing down, now look you are over 600k...

[12njoy]

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@willwar14 wrote:

I seem to remember when you broke 500k you said things were slowing down, now look you are over 600k...

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Blame it on CAPTOOL

[willwar14]

I noticed you don't have anything with Comenity? Have you ever burned them?

[12njoy]

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@willwar14 wrote:

I noticed you don't have anything with Comenity? Have you ever burned them?

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Nope never had them.  They don't like me

[12njoy]

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@12njoy wrote:

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@willwar14 wrote:

I noticed you don't have anything with Comenity? Have you ever burned them?

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Nope never had them.  They don't like me

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Synchrony is my replacement for them 

[Anonymous]

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@12njoy wrote:

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@12njoy wrote:

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@willwar14 wrote:

I noticed you don't have anything with Comenity? Have you ever burned them?

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Nope never had them.  They don't like me

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Synchrony is my replacement for them 

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After a few sprees I don't want any more cards, higher limits, yes. I'm already planning how to reduce the cards because my fear is that I'll some how forget a pymt. When were you last approved for a new card? If you make 100-150k a year and have a total of 600+k in credit, that's approx. 5 times your income. Do you think you've hit 'your' ceiling?

[12njoy]

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@Anonymous wrote:

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@12njoy wrote:

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@12njoy wrote:

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@willwar14 wrote:

I noticed you don't have anything with Comenity? Have you ever burned them?

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Nope never had them.  They don't like me

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Synchrony is my replacement for them 

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After a few sprees I don't want any more cards, higher limits, yes. I'm already planning how to reduce the cards because my fear is that I'll some how forget a pymt. When were you last approved for a new card? If you make 100-150k a year and have a total of 600+k in credit, that's approx. 5 times your income. Do you think you've hit 'your' ceiling?

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@Anonymous last approval was this week for the Synchrony Stash Visa @ $3,000 and the Chase Disney Visa last week @ $5,000.  I think I'm pretty much at my limit I think.  Getting new credit has become a maze but I've had a few surprises recently.  TD @ 20k, 7 new Chase cards @Anonymous.6k, BBVA @20k, and of course the Synchrony love @103k.