Does new Cap1 rule apply for all cards?

[Anonymous]

I was approved for the Buypower 4 months ago.  I didn't know if that counted toward the "no more than 1 per 6 months rule."

Looking to app for Venture

thanks!!!!!!!!!!!!!

[Aduke1122]

I believe it's for all accounts , one every 6 mths!! It really sucks but what can ya do lol

[Anonymous]

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@Aduke1122 wrote:
I believe it's for all accounts , one every 6 mths!! It really sucks but what can ya do lol

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Figures.  Finally received a pre approval for it lol

[ddemari]

i looked over the t&c's for venture, couldnt find anythng specfic about timeframe approvals. So i hit the chat with application specialist button;

Does capital one allow only one credit card approval every 6 months?

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The terms for reapplying may vary depending on the product you are applying for. You can find the policy for each product in the Additional Disclosures & Terms and Conditions section of the disclosures. 

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12:00 AM

Capital One may also decline an application if you have a pending or approved application in the last 6 months.

You

12:00 AM

thanks for the clarification!

[Anonymous]

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@ddemari wrote:

i looked over the t&c's for venture, couldnt find anythng specfic about timeframe approvals. So i hit the chat with application specialist button;

Does capital one allow only one credit card approval every 6 months?

####

The terms for reapplying may vary depending on the product you are applying for. You can find the policy for each product in the Additional Disclosures & Terms and Conditions section of the disclosures. 

###

12:00 AM

Capital One may also decline an application if you have a pending or approved application in the last 6 months.

You

12:00 AM

thanks for the clarification!

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ddemari-

I'm not the sharpest crayon in the box.....do you think that means a "No" lol

[ddemari]

it seems like capitalone is saying that due to many circumstances they may decline an application for that reason but I agree, its not very cut and dry lol. i have to look over other applications t&c's still. 

[Loquat]

At least CapOne won't ding your with inquiries if the reason for decline is because of pending or recently approved applications.  They'll just kick it and send you a notice without you having to waste an inquiry on each bureau.  

[Aduke1122]

This is true it won't be a HP if it's too soon .

[Anonymous]

Do they include Kohls in this rule?

Do product changes count?

[Anonymous]

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@Anonymous wrote:

Do they include Kohls in this rule?

Do product changes count?

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I don't know if they count the retail devision towards this; I applied for Quicksilver and was denied because of well several reasons, it however did not note a recent apporval for Kohl's as a reason for denial. That was 5months after applying for and being approved for my kohl's account.

I hope someone else can chime in who know's for sure; it may be YMMV type of thing with the retail devision.

I'm not the sharpest pencil in the box, sometimes.

I feel like the retail devision is a different beast and has different rules although I am not sure.