Capital One card denial

[Brian_Earl_Spilner]

My ex pin is 6 digits

And, cap1 doesn't like people with scores in the 800s. Heck, even high 700s get denied all the time. Probably not the demographic they're after.

[randomguy1]

Try a different creditor with no foreign transaction fees.

Uber Visa? - Barclays is typically Transunion. How about a bank or credit union you bank with?

[Anonymous]

Equifax forced me to have their randomly generated 10-digit PIN, EX I chose a 10-digit PIN, and TU is 6 digits. 

[Anonymous]

I finally got all 3 CRA's unfrozen and reapplied to Capital One. Still denied. Called and got a hold of a semi-autonomous biological unit who wouldn't explain anything, just kept saying I should call the CRA's if I wanted to dispute Capital One's decision, which makes no sense. After going around in circles for 20 minutes I did call Transunion and they were flabbergasted that I couldnt get approved with perfect credit history and a 822 FICO score. They said "if you can't get approved, who are they going to give a credit card to?" There don't seem to be many cards out there with no foreign transaction fees but I guess I'll take my business elsewhere.

[CreditInspired]

---

@Anonymous wrote:

I finally got all 3 CRA's unfrozen and reapplied to Capital One. Still denied. Called and got a hold of a semi-autonomous biological unit who wouldn't explain anything, just kept saying I should call the CRA's if I wanted to dispute Capital One's decision, which makes no sense. After going around in circles for 20 minutes I did call Transunion and they were flabbergasted that I couldnt get approved with perfect credit history and a 822 FICO score. They said "if you can't get approved, who are they going to give a credit card to?" There don't seem to be many cards out there with no foreign transaction fees but I guess I'll take my business elsewhere.

---

I'm flabbergasted that a CRA would make such a comment since more than score is involved in determining whether a customer is approved or declined for a CC. Score is not the only determinant. I suggest waiting for the letter to see exactly what the reason for denial is. 

[Anonymous]

I pasted the denial letter in the original post. The CRA said it made no sense, I only had 2 inquiries in 2 years and besides the Kubota tractor my only debt is a $2100 credit card balance on a card I pay off every Month. I got copies of all 3 reports the other 2 are no different.

"Thank you for applying for a credit card issued by Capital One®. Unfortunately, after reviewing your

application and information obtained from your consumer credit report(s) from the agencies detailed

on the back of this letter - we cannot approve your request at this time.

The reason(s) for our decision are:

·  Based on your credit report from one or more of the agencies on the back of this letter,

revolving account balance(s) are too high in relation to income

·  Based on your credit report from one or more of the agencies on the back of this letter, there

have been too many recent inquiries"

[Anonymous]

So, I went ahead and applied for a Bank of America card and got approved in about 10 seconds.

[FinStar]

Sorry to hear about the Capital One denial @Anonymous. On the upside, it appears you had a favorable outcome with BoA so congrats!

Locking this thread as you have been approved for the other CC. Feel free to start a new approval thread in the Approvals forum if you would like to do so.