Capital One Denied

[ZackAttack]

Hi,

This is my 3rd time getting denied for Cap 1's Student Journey card. I tried responding them to reconsider the second time with no luck, so I need some help of how I'll respond.

This is the only bullet they put on the denial reasons:

- Based on your credit report from one or more of the agencies on the back of this letter, income is insufficient for requested credit

Fico 3 Score: EX 679

Red Facts:

- Length of time account

- Time since most recent account open

- Too many accounts w/ balance

- Too many inquiries last 12 months

My income is $5772. It would be more but I am a full-time college student. 

So at the moment, I honestly got no idea of what should I write back to them to reconsider because they pretty much denied me on the income (same income I put on Discover's student and was approve).

[Anonymous]

To the best of my knowledge, there isn’t much luck to be had with Capital One recons. They operated on auto-pilot and if the system spits out a denial they don’t overturn it. I wouldn’t waste your time trying.

[Brian_Earl_Spilner]

Why are you applying for a journey card if you have a savor in your sig? Also, how many cards have you opened in the last 2 years, and how many inquiries do you have in the last 24 mos, 12, and 6?

[Anonymous]

Sorry about your denial.

Your Savor Card is much better than the Journey card that you were denied for. Just use it for another year and build some more history.

[aircobra]

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@Brian_Earl_Spilner wrote:

Why are you applying for a journey card if you have a savor in your sig? Also, how many cards have you opened in the last 2 years, and how many inquiries do you have in the last 24 mos, 12, and 6?

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It isn't their card. That's probably why.

[Anonymous]

Your income is way too low. You’ve currently got $1500 worth of credit extended to you outside of the AU card. You could very easily get yourself in trouble so you need to show responsible use over time. Use those cards for 6 months and try again. 

Aggressive credit seeking makes young files look extremely risky. I would stop throwing away HPs. 

[ZackAttack]

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@aircobra wrote:

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@Brian_Earl_Spilner wrote:

Why are you applying for a journey card if you have a savor in your sig? Also, how many cards have you opened in the last 2 years, and how many inquiries do you have in the last 24 mos, 12, and 6?

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It isn't their card. That's probably why.

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@Anonymous wrote:
Sorry about your denial.

Your Savor Card is much better than the Journey card that you were denied for. Just use it for another year and build some more history.

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The Savor Card isn't mine. That is why there is a tag saying "AU" next to the credit line of that card.

The other 2 cards are mine and were open up 3 months ago

[Brian_Earl_Spilner]

Got it. The tag can't be seen if you're not using a computer.

[Anonymous]

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@Brian_Earl_Spilner wrote:

Got it. The tag can't be seen if you're not using a computer.

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Press and hold the image and it pops up. Not as convenient as running the cursor over it but it works. 

[Brian_Earl_Spilner]

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@Anonymous wrote:

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@Brian_Earl_Spilner wrote:

Got it. The tag can't be seen if you're not using a computer.

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Press and hold the image and it pops up. Not as convenient as running the cursor over it but it works. 

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Doesn't work. Android phone, chrome, desktop view