Capital One Blacklisted? Help/Advice?

[highlow1]

Hello Everyone....

Quick question. I had a Capital One Secured Card opened back on June 1st, 2017 and unforutantely screwed up. I had two payments bounce back as "insuffieicent funds" and then Capital One closed the account. Furthur more... I let it charge off (I was a hot mess during this time). I paid the card in full on September 19th, 2018, and a little over a year after paying it off I tried applying back in December 2019 and it said this message - also no hard pull from any of the bureas. (Based on your application 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)

Does this mean I was blacklisted? ((

[addicted_to_credit]

It would appear, that is the case. Maybe others with more knowledge about cap1 will chime in soon.

[Jnbmom]

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@highlow1 wrote:

Hello Everyone....

Quick question. I had a Capital One Secured Card opened back on June 1st, 2017 and unforutantely screwed up. I had two payments bounce back as "insuffieicent funds" and then Capital One closed the account. Furthur more... I let it charge off (I was a hot mess during this time). I paid the card in full on September 19th, 2018, and a little over a year after paying it off I tried applying back in December 2019 and it said this message - also no hard pull from any of the bureas. (Based on your application 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)

Does this mean I was blacklisted? ((

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Yes that means exactly that. Over time they may let you back in. Having 2 bounced payments is a big taboo and then letting it charge off. It will probably take some time with them.

Good luck

[Brian_Earl_Spilner]

The worst thing you can do in Cap1's eyes is bounce a payment. From what I've seen, bounce two and they shut down the cards and blacklist you.

[highlow1]

Ughhhhhhhh. Well hopefully they will let me back someday lol. Probably never

[Remedios]

They will let you in, it's just the matter of when.  

[Anonymous]

You may have luck calling them but I doubt it! They take late payments very seriously. You need to ask yourself, " Are you truly ready for another chance" and would you give one of the show was on the other foot?

[Jnbmom]

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@Anonymous wrote:

You may have luck calling them but I doubt it! They take late payments very seriously. You need to ask yourself, " Are you truly ready for another chance" and would you give one of the show was on the other foot?

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CSR have no say everything is computer generated. It will just take time.....................................................

[Openwater]

Cap 1 is one of the more forgiving institutions but they usually take a couple of years 2-3 from what I've read. Garden and grow during the next 2-3 years and try to re-establish with them. Best of luck.

[Anonymous]

Sorry to hear that you've been blacklisted by Cap1. Give it more time. Plus, there are other creditors out there. Not sure what your profile looks like, but maybe establish good history with a current lender. It may help your case in the future, but definitely won't hurt!