CapOne QuickSilver Denied

[Anonymous]

I applied for a CapOne QuickSilver card was denied for "Based on your credit report from Experian, there have been too many recent inquiries". Is there anyway I can fight this? The notice says my credit score is 711.

[tntexans72]

Sorry to hear, do you have any cap1 card?

[Anonymous]

Yes, I have one Student Journey Card and apparently the Kohls store card is by CapOne as well.

[NRB525]

How many INQ?

What is your limit on the existing cards? How long have you had the Cap One cards?

[Loquat]

That's interesting because your score it a little better than mine.  Now, I don't have many recent inquiries but I do have 3 cards with Cap 1.  I have (2) OuickSilver's and the PlayStation card.  I keep my limited at $0 on one of the QS and the PlayStation card and I carry just 1% on my other QS card.  If you decide to call please post your experience as I'd be interested in knowing what their limit is on inquiries as I do plan to apply for the Venture card probably right out of the gate in 2016.

[fury1995]

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@Anonymous wrote:

Yes, I have one Student Journey Card and apparently the Kohls store card is by CapOne as well.

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Did you tried the prequal first?

[taxi818]

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@Anonymous wrote:

I applied for a CapOne QuickSilver card was denied for "Based on your credit report from Experian, there have been too many recent inquiries". Is there anyway I can fight this? The notice says my credit score is 711.

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What do you mean fight? No. its their choice. But you can ask for reconsideration. or (recon in short).

[Anonymous]

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@NRB525 wrote:

How many INQ?

What is your limit on the existing cards? How long have you had the Cap One cards?

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 INQ:
EQ: 8 (Before CapOne app: 7)
EX: 6 (Before CapOne app: 4)
TU: 3 (Before CapOne app: 2)

Kohls/$300/Since April
Journey/$2000/Since May

And yes by fight, I mean recon. Not sure how to go about that tho (or if I stand any chance)

[NRB525]

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@Anonymous wrote:

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@NRB525 wrote:

How many INQ?

What is your limit on the existing cards? How long have you had the Cap One cards?

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 INQ:
EQ: 8 (Before CapOne app: 7)
EX: 6 (Before CapOne app: 4)
TU: 3 (Before CapOne app: 2)

Kohls/$300/Since April
Journey/$2000/Since May

And yes by fight, I mean recon. Not sure how to go about that tho (or if I stand any chance)

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So, you have two credit cards from 13 INQ? That proportion does seem like a lot.

The Journey hasn't aged long enough, most likely. Are you using the card regularly and paying in full?

[Jerry45]

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@fury1995 wrote:

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@Anonymous wrote:

Yes, I have one Student Journey Card and apparently the Kohls store card is by CapOne as well.

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Did you tried the prequal first?

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+1