Re: Cap1 Too many cards question

Mvpbowler · ‎03-22-2024

Hey all,

I tried applying for a Bass Pro Shops card through Cap1 and the decline reason is too many cards with Cap1. This is through mergers and buyouts, etc.. my question is has anyone ever had success with them either converting a card, allowing someone to close a card and taking the application for the new product, or any other advice? Thanks in advance, appreciate it

CorpCrMgr1 · ‎03-22-2024

How many Cap1 cards do you have?

Mvpbowler · ‎03-22-2024

Clearly too many for Cap1 lol. 5 in total. 2 are from a conversion/buyout.

Shooting-For-800 · ‎03-22-2024

I thought store cards were exempt.

Perhaps, too much credit line withCap One?

Rebuild started in 2014 - $100k unsecured credit in 2017 - $500k unsecured credit in 2024.

DON'T WORK FOR CREDIT CARDS ... MAKE CREDIT CARDS WORK FOR YOU!

SUPERSQUID · ‎03-22-2024

@Mvpbowler wrote:
Hey all,
I tried applying for a Bass Pro Shops card through Cap1 and the decline reason is too many cards with Cap1. This is through mergers and buyouts, etc.. my question is has anyone ever had success with them either converting a card, allowing someone to close a card and taking the application for the new product, or any other advice? Thanks in advance, appreciate it

Call Cap 1 and ask them about it.

{ BK7 DC 12/2019 } target 2800/ kohls Visa 7000/ discover IT cb 5800 / 2nd discover IT cb 6000/mercury 4100 /legacy 3500 /HUE cc 3500/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4650, Penfed PCR signature visa 10k/ penfed gold 5600 /NFCU signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 55k
Total utilization above 50 pct.
Ficos ,most are slightly above 700, the 9's slightly higher than the 8's

TCL - about 110k
Retired since 2017

Horseshoez · ‎03-22-2024

@Mvpbowler wrote:
Clearly too many for Cap1 lol. 5 in total. 2 are from a conversion/buyout.

Hmmm, my wife has six, possibly seven cards currently with CapOne; that said, she only applied for two of them, the rest migrated over to CapOne.

Chapter 13:

Burned: AMEX, Chase, Citi, Wells Fargo, and South County Bank (now Bank of Southern California)
Filed: 26-Feb-2015
MoC: 01-Mar-2015
1st Payment (posted): 23-Mar-2015
Last Payment (posted): 07-Feb-2020
Discharged: 04-Mar-2020
Closed: 23-Jun-2020

I categorically refuse to do AZEO!

In the proverbial sock drawer:

addicted · ‎03-26-2024

@Mvpbowler wrote:
Hey all,
I tried applying for a Bass Pro Shops card through Cap1 and the decline reason is too many cards with Cap1. This is through mergers and buyouts, etc.. my question is has anyone ever had success with them either converting a card, allowing someone to close a card and taking the application for the new product, or any other advice? Thanks in advance, appreciate it

Directly from the terms and conditions for Bass Pro MC. If you close your account(s) and have 4 open I think you should be able to get it.