@Anonymous wrote:
First time poster here. I’m very new to all of this, as I checked my credit score for the first time ever in February and saw it was a 679. As the subject shows, I applied for The Capital One Venture card today and was denied. My Experian FICO 8 score as of today is 747. Average age of accounts is 8 years and 6 months. I am an authorized user on a BOA card with around a $13,000 limit with an age of 16 years. I got my first card a year ago, it is a store card through synchrony financial with a $5,000 limit. I have not yet received the reason for denial from capita one. My question is does capital one mainly disregard authorized users, and should I be looking into lower tiered cards? I travel a lot for work, with expenses going on my own card then being reimbursed by my employer, so a travel card would be quite beneficial. Also, how long should I wait until I apply for another card? Thanks for any help in advance!
Have you tried APPing at your bank where you deposit paychecks?
My DH has a thin file too (was only an AU on my cards). US Bank solicited him at the counter and gave him a 4500CL, 0% int for 12 MOS. At the time he only had one CRA: (EX 720). Recently he was able to get approval on the AMEX BCE (5% cash back) with a 2000 SL, Cap1 Platinum 300 SL and Discover IT 1500 SL.
Starting Scores: 3/24/18 - EF:668-TU:700-EX:628
Current Score: 4/22/18 EF:691-TU:713:EX:643
Goal Scores: Mid-700's
CC: Citi Checking Plus 6/01': 3000CL Citi Diamond Preferred 09/09': 500CL - Citi Thank you 09/09: 500CL - AMEX Delta Gold 4/18: 1000CL - Barclay Bus Aviator 4/18: 5000SL - Credit One 4/18 500CL
