Cap1 QS CLI - recent past due?

[Skye12329]

Was just wondering if this sounds like a generic response from cap1? Hit the CLI button on QS and got denied. 

- Cap1 account recent past due 

- use is too low

The reason I'm confused and wondering if the past due one is a generic response is I haven't been past due. Instead I pay super early and nothing's bounced or anything. The low use is definitely valid though. My accounts haven't been restricted either. First time I've seen that denial. 

ETA - I did call cap1 and the rep said my accounts have never been past due but referred me to pull my credit reports from the letter since they're not credit advisors. 

[OmarGB9]

Did you by chance burn Cap One in your BK7?

[Skye12329]

I did but this is the first time this message has come up for me. The two rep asked if I had an hsbc card when it transitioned but I didn't. 

[OmarGB9]

---

@Skye12329 wrote:

I did but this is the first time this message has come up for me. The two rep asked if I had an hsbc card when it transitioned but I didn't. 

---

Then the "recent" past due could be the burned account from your BK, even if it hadn't come up before. Also, CSRs aren't always the most knowledgeable.