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Cap 1 Surprises me -_-

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Anonymous
Not applicable

Re: Cap 1 Surprises me -_-

it's not always that they need your info as much as they're making sure you're the one actually doing it. it's to protect you and them. to be honest i am surprised most lenders don't require better verification. it may prevent so many drapps hahaha

Message 11 of 40
lindsaydruart
Established Contributor

Re: Cap 1 Surprises me -_-

Don't take verification personal. It for your protection and the way companies do business. It's not like someone is sitting there picking on you. It's all automated usually and red flags pop up from your credit report typically that make them request it. Try the prequal again.

Gardening since 12/15/2019. Goal 12/15/2021
FICO 8 as of 12/16/2019 - EQ 602 EX 656 TU 628
Message 12 of 40
Anonymous
Not applicable

Re: Cap 1 Surprises me -_-

I think I'd be happier if they did ask for more verification. I opened up 51 accounts since July of last year between my DW and I. All sitting in front of my computer. Lol.
Message 13 of 40
UncleB
Credit Mentor

Re: Cap 1 Surprises me -_-


@SLO805 wrote:

my 6months is on the 13th...so I hope they dont auto cli to 150$ more hah.

 

I app'd for Venture and they wanted copies of my ID etc, I told them no im already a customer for 3 years. so that went down the drain. That was a pre-approval too lol

 

Hope i get a better offer next week or month


There are many threads/posts here where folks were offered a 'silly' CLI and turned it down just to be offered significantly more a few weeks later, so don't get discouraged! 

 

I was once offered $200... foolishly, I accepted, but six months later they offered me another $1k.  That taught me right there that sometimes holding off can make a big difference. 

 

 

 

Side note:  There's one 'caveat' to the above (that does not apply to the OP) - if you're approved for a $300 or $500 credit line, and Capital One offers you a $200 increase, I would suggest taking it.   Smiley Wink

Message 14 of 40
bldmt
Regular Contributor

Re: Cap 1 Surprises me -_-

When requesting a CLI, has anyone received a message that says "you will receive a secure message in 2-3 days"?

Message 15 of 40
Anonymous
Not applicable

Re: Cap 1 Surprises me -_-

yeah it's a denial
Message 16 of 40
bldmt
Regular Contributor

Re: Cap 1 Surprises me -_-

Thanks 2011, I just got one a couple of months ago so obviously not surprised. I was looking at other things and said what the heck. First time I saw that and thought I would ask.

Message 17 of 40
Anonymous
Not applicable

Re: Cap 1 Surprises me -_-

funny thing is they say they'll email me and they have never done that ha
Message 18 of 40
lindsaydruart
Established Contributor

Re: Cap 1 Surprises me -_-

Your email must not be active for statements or something. They faithfully email me to tell me no.

Gardening since 12/15/2019. Goal 12/15/2021
FICO 8 as of 12/16/2019 - EQ 602 EX 656 TU 628
Message 19 of 40
Anonymous
Not applicable

Re: Cap 1 Surprises me -_-

i checked the boxes to activate it for that lol
Message 20 of 40
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