Capital One Blacklist

[Jeffster1]

@bgleason94 I too think that it's your scores combined with past account performance. Those scores are low...even for Cap One...and the low scores probably just reinforce their reluctance to extend you credit at this time. 

I bet when your scores hit 600, there will be a more favorable response from them.

[itslovefield]

Similar thing happened to me last year. 

I had the Walmart card & a Platinum. Small limits, but a payment got returned on my Platinum, so they restricted both accounts. I've been making the minimums because I later found out that the cards are closed, so why hurry to pay them off? I DID pay off my Walmart card this month, & will pay the final balance on the Platinum next month. 

I'll be glad to not have the debt hanging over my head, but it's still annoying. I hadn't been late at all, except the returned and almost immediately rectified payment. 

At this rate, I'm not even sure I want back in with them. 

[sjt]

---

@bgleason94 wrote:

Hi everyone, 

Back in 2019 I had a Capital One account that became past due a subsequently charged off. That balance was paid in full as of 2020. I was looking to get a new credit card back with Cap1 so I used the pre-qualify tool and it gives the following message, "

• Based on your Pre-Approval form information, we observed activity on a prior Capital One account that is not consistent with our expectations for account usage or the terms of the account agreement"

Has anyone else had experience with this? Cap1 says their is nothing they can do and that they don't see as to why I am receiving that message. Any help would be appreciated!

---

Per C1 disclosure statement, their blacklist is one year from the date of charge off.

[Pandamanda]

Yes me lol. I charged off Cap one in 2016, paid them back, got another account in 2018, charged it off, paid them back. And now I am stuck on the forever blacklist. It's been 5 years for me. It's weird though my kohls card is capital one 🤷‍♀️ Also, my scores are in the 700s, but I do have 3 "accounts with adverse information", all scheduled to fall off this year. So let's see if Capital One will pre approve me after that.