Capital One Quicksilver Denied

MisterWives · ‎04-22-2019

Just applied minute ago. Denied.

Most Fico score are around 660-700, experienan has 14 inqueries, equifax and transunion high single digit inqueries. No derogatory marks, 50k income, some debt 30k student loan, 4k auto loan, 4k credit card. Credit utilization accross the board is 15%

Any reason CapitalOne usually denies you are they looking for high inqueries or something?

Discover IT Chrome $8,550 | Opened 9/2017 | 2% Restaurant & Gas / 1% Everything

Best Buy Store Card $10,000 | Opened 11/2018

Amazon Store Card $10,000 | Opened 12/2018 | 5% Amazon Purchases (Requires Prime)

PNC Cash Reward Visa $10,500 | Opened 12/2018 | 4% Gas / 3% Restaurant / 2% Grocery / 1% Everything

Chase Freedom $5,200 | Opened 1/2019 | 5% Category Rotation

Amex Blue Cash Everyday $5,000 | Opened 4/2019 | 3% Grocery / 2% Gas / 1% Everything

Banana Republic $10,000 | Opened 6/2019 | Banana Republic 5x pts per $1 / Everything 1x pt per $1

Costco Anywhere Visa $10,000 | Opened 7/2019 | 4% Gas / 3% Restaurant / 2% Costco & Grocery / 1% Everything

Citi Rewards+ $2,000 | Opened 8/2019 | 2x pts Grocery & Gas | 1x pts Everything

BB&T Rewards $4,500 | Opened 8/2019 | 3% Gas / 2% Utilities & Grocery / 1% Everything

PNC Points Visa $1,800 | Opened 8/2019 (PC in 2020) | 4pts per $1

Home Depot Store Card $5,001 | Opened 10/2019

Discover IT $14,500 | Opened 11/2019 | 5% Category Rotation

Synchrony Mastercard $7,500 | Opened 12/2019 | 2% Everything

Capital One Quicksilver $1,000 | Opened 12/2019 (PC in 2020) | 1.5% Everything

Wells Fargo Platinum Visa $6,500 | Opened 4/2020 | No Rewards

Ulta Mastercard $4,900 | Opened 6/2020 | Ulta 1x pt per $1 / Everything 1x pt per $3

Amex Hilton Honors $6,000 | Opened 6/2020 | 7x pts Hilton / 5x pts Restaurants & Gas & Grocery / 3pts Everything

PSECU $10,000 | Opened 6/2020 | 1.5% Everything (2% with Checking and Deposits)

First National Bank of Omaha Platinum Visa $15,000 | Opened 10/2020 | No Rewards

Apple Card $5,000 | Opened 1/2021 | 3% Apple / 2% Apple Pay / 1% Everything

Venmo Credit Card $7,000 | Opened 1/2021 | 3% Category / 2% Category

PenFed Power Cash Rewards Visa $17,500 | Opened 1/2021 | 1.5% Everything(2% with Checking)

Citi Custom Cash $5,000 | Opened 5/2022 | 5% Category

Wants: PenFed Pathfinder Rewards(4x pts travel), PenFed Platinum Rewards Visa Signature (5pts Gas, 3pts Restaurants and Grocery), U.S. Bank Cash+ (5% Categories), Chase Freedom Flex (5% Rotating Categories, 5% Travel, 3% Restaurants)

Brian_Earl_Spilner · ‎04-22-2019

They are now. It was one of the reasons they denied a CLI for me.

Anonymous · ‎04-22-2019

Inquiries and new accounts will sink you with Cap these days. They have become harder to get than Chase for some people. I gave up on my dream of a Savor One for now.

Anonymous · ‎04-22-2019

@MisterWives wrote:
Just applied minute ago. Denied.
Most Fico score are around 660-700, experienan has 14 inqueries, equifax and transunion high single digit inqueries. No derogatory marks, 50k income, some debt 30k student loan, 4k auto loan, 4k credit card. Credit utilization accross the board is 15%

Any reason CapitalOne usually denies you are they looking for high inqueries or something?

Aside from the high inquiries, how many new accounts have you opened in the last 24 months?

Anonymous · ‎04-23-2019

Inquiries most likely— they won’t give me any CLI because of them.

Anonymous · ‎04-23-2019

I was able to get the quickersilver one with a 600 across all 3, hoping I can upgrade to ditch the annual fee eventually as I rebuild. Guessing you were applying for the one without annual fee? Just curious because I have a ton of inquires but then again mines a start card.

ZackAttack · ‎04-23-2019

@Anonymous wrote:
Inquiries and new accounts will sink you with Cap these days. They have become harder to get than Chase for some people. I gave up on my dream of a Savor One for now.

Same ... my idea was getting the Journey card then PC to QS then to SavorOne.

I have 2 accounts open in Jan and 1 open in Feb; but that was the reason that I got denied for the third time. It was the income for me because I'm a college student :/

The entertainment is good. I haven't seen any other card that gives that category. For dining, might as well use the Uber card (unless their is a 5% rotating category out).

pinkandgrey · ‎04-23-2019

Cap One has gotten finicky of late. Sorry about the denial!

Discover It: 26.5k
Amex Cash Magnet: 24.4k
Fidelity Visa: 21.5k
Apple Card: 13k
CapOne Venture X: 10k

Anonymous · ‎04-23-2019

@ZackAttack wrote:
@Anonymous wrote:
Inquiries and new accounts will sink you with Cap these days. They have become harder to get than Chase for some people. I gave up on my dream of a Savor One for now.
Same ... my idea was getting the Journey card then PC to QS then to SavorOne.

I have 2 accounts open in Jan and 1 open in Feb; but that was the reason that I got denied for the third time. It was the income for me because I'm a college student :/

The entertainment is good. I haven't seen any other card that gives that category. For dining, might as well use the Uber card (unless their is a 5% rotating category out).

Marvel covers quite a few entertainment categories at 3%

Movie Theatres — establishments that sell tickets and refreshments for movie productions.

Video Rental and Game Stores — merchants that rent DVDs and/or games and related equipment for consumer use, including online video rentals.

Theatrical and Concert Promoters — merchants that operate live theatrical productions or concerts, and may include ticketing agencies.

Amusement Parks (including zoos, circuses and aquariums) — establishments that operate parks or carnivals and offer mechanical rides and games and/or live animal shows.

Digital Entertainment, Games, and Software — merchants that provide digital games and content for computers and mobile devices.

Music — establishments that sell CDs and related items, including online records and digital music.

Books and Newsstands — establishments selling reading material, both digital and physical formats (includes comic stores).

Toys and Hobby Stores — establishments selling toys and games including video games. Sporting goods retailers are excluded.

Marvel Online and Convention Purchases — purchases made with your Card solely via: (a) the following Marvel digital and/or online storefronts: (i) Marvel Digital Comics Shop, (ii) Marvelshop.com, (iii) Marvel Unlimited, and (iv) Marvel Print Subscriptions; (b) Marvel’s official merchandise booths at designated comic conventions; and (c) any other Marvel-branded digital or physical stores designated by Marvel. Marvel.com registration may be required in order to purchase at Marvel.com. Purchases on third-party websites linked to from the Marvel.com website or apps (e.g., sites operated by third-party advertisers) are not eligible purchases at Marvel.com.

PCs are currently not possible to the Savor or Savor One, nobody knows when Cap will open them either. I may just go for the Marvel card this summer, I just really don’t want another $2K card which is the max the Marvel seems to start at.

MisterWives · ‎04-23-2019

@Anonymous wrote:
@MisterWives wrote:
Just applied minute ago. Denied.
Most Fico score are around 660-700, experienan has 14 inqueries, equifax and transunion high single digit inqueries. No derogatory marks, 50k income, some debt 30k student loan, 4k auto loan, 4k credit card. Credit utilization accross the board is 15%

Any reason CapitalOne usually denies you are they looking for high inqueries or something?
Aside from the high inquiries, how many new accounts have you opened in the last 24 months?

Pretty much every one of my credit cards were open within a 24 month period so about 7-10 new accounts

Wants: PenFed Pathfinder Rewards(4x pts travel), PenFed Platinum Rewards Visa Signature (5pts Gas, 3pts Restaurants and Grocery), U.S. Bank Cash+ (5% Categories), Chase Freedom Flex (5% Rotating Categories, 5% Travel, 3% Restaurants)