Cap1 denial, should I ask for a recon? UPDATE: Approved!

[Anonymous]

Cap1 denied me for a CC a few days back because I didn't have a checking or savings account. Coincidentally I was in the process of opening both, so I did things backwards. I now have both opened, so should I ask for a recon or do I need to try applying for a CC all over again? I'm unsure if my opening the accounts after application date is still reason to deny me?

Thanks!

[Aduke1122]

Wow is this new ? Both my fiancé and I have multiple ccs with them and no banking relationship at all ..accts opened in the last year or so

[Aduke1122]

Are you certain that was the reason for your denial also ?

[Anonymous]

I think OP was saying they didn't have a bank account at all, not just with Capital One.

[Aduke1122]

Ahhh OK sorry I misunderstood that

[Anonymous]

Sorry, yes. I didn't have a checking or savings account whatsoever, so Cap1 said I was denied for that. I realize a request to recon doesn't hurt, just wondering if it's a waste of time since the checking/savings were opened a day or two after my application date.

[Creditplz]

I was denied for not having a checking / savings back in 2011?. I called them and they asked how would I pay if I did not have a checking or savings

[Anonymous]

I see their point, though I've done fine w/o either and could easily pay them w/o either. Regardless, I got them. I'll send a letter, like they say to do, asking for a recon.

[fltireguy]

Just send an email to the EO, its much easier!

[creditguy]

Cap One does not recon denied applications. You can always try your luck with the EO, but I'd say the odds are against a successful recon in that format as well. I'd simply reapply at a later time when your all set up with your banking accounts.