Cap1 Letter of denial

[Anonymous]

I recently got the secure card and apped for qs1 approved and then apped for platinum and denied.

i just got an email and the reason for denial was 

" Based on your application information, there is a currently pending or recently processed application with Capital One"

anyone got this before. chance of calling and getting them to push it through?

[Anonymous]

**bleep**? Why would they approve one but not the other?

[Anonymous]

well i did do it backwards and got secure first because i thought there was no way i would get the others.

so maybe my security deposit hadnt gone through? im not sure.

[Anonymous]

i'd call

[Anonymous]

I think it's because of having 2 rebuilder cards.  Just guessing...but Secured, Quicksilver One and Platinum are their Average Credit credit cards and the limit is 2 total. 

[Anonymous]

called.

told me because you can only have 2 cap 1 accounts open! wish i didnt have secure put platinum.

oh well. still 2 new cap one cards

ALWAYS APP QS1, THEN PLAT, THEN SECURE IF NEEDED

[Anonymous]

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@Anonymous wrote:

called.

told me because you can only have 2 cap 1 accounts open! wish i didnt have secure put platinum.

oh well. still 2 new cap one cards

ALWAYS APP QS1, THEN PLAT, THEN SECURE IF NEEDED

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Ordinarily it will simply say "too many capital one accounts". Is the secured account still in process?

[Anonymous]

If you go to the "compare cards" link and hit the "card details" button, then hit the "rates and disclosures" link, you will find a list of automatice denials - one of them is the number of current open accounts you have with capital one. Depending on the card you are applying for the number is either 2 or 5. Its 2 for all of the "avergage credit" or "Rebuilding"  cards and 5 for the rest.

A lot of people have somehow slipped through the cracks and gotten 1 secured card, 1 platinum and 1 QS1 card. You can always close the secured card and re-app for the unsecured. You'll have to do that eventually anyway as the secured card does not graduate.

[Anonymous]

They said they couldnt go back and stop the secured and revisit the platinum.

It would be another pull and i might not get it

[Anonymous]

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@Anonymous wrote:

If you go to the "compare cards" link and hit the "card details" button, then hit the "rates and disclosures" link, you will find a list of automatice denials - one of them is the number of current open accounts you have with capital one. Depending on the card you are applying for the number is either 2 or 5. Its 2 for all of the "avergage credit" or "Rebuilding"  cards and 5 for the rest.

A lot of people have somehow slipped through the cracks and gotten 1 secured card, 1 platinum and 1 QS1 card. You can always close the secured card and re-app for the unsecured. You'll have to do that eventually anyway as the secured card does not graduate.

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I think it's cuz normally they apply for the secured get that use for a 3-6 months and apply for the platinum and qs1 at same time