cancel
Showing results for 
Search instead for 
Did you mean: 

How many time can i ask for reconsideration on Capital One?

tag
Anonymous
Not applicable

How many time can i ask for reconsideration on Capital One?

I asked for reconsideration for QS VS because i got denied when i applied online, but i called EO for reconsideration last tuesday and EO told me to call back on monday for their decision. What if i got denied again? can i ask for another reconsideration?

Message 1 of 10
9 REPLIES 9
chalupaman
Super Contributor

Re: How many time can i ask for reconsideration on Capital One?

Not sure but watch your CRs closely and put them on ice. Surprise HPs are a possibility.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 2 of 10
Anonymous
Not applicable

Re: How many time can i ask for reconsideration on Capital One?


@Anonymous wrote:

I asked for reconsideration for QS VS because i got denied when i applied online, but i called EO for reconsideration last tuesday and EO told me to call back on monday for their decision. What if i got denied again? can i ask for another reconsideration?


No, Once it goes to EO, that is it.  It is the highest authority.

Message 3 of 10
Anonymous
Not applicable

Re: How many time can i ask for reconsideration on Capital One?


@Anonymous wrote:

@Anonymous wrote:

I asked for reconsideration for QS VS because i got denied when i applied online, but i called EO for reconsideration last tuesday and EO told me to call back on monday for their decision. What if i got denied again? can i ask for another reconsideration?


No, Once it goes to EO, that is it.  It is the highest authority.


I see, if i sill get denied probably need to build up my credit more?

Message 4 of 10
Anonymous
Not applicable

Re: How many time can i ask for reconsideration on Capital One?


@chalupaman wrote:

Not sure but watch your CRs closely and put them on ice. Surprise HPs are a possibility.


EO told me it won't be another HP, because they still have my report from the last pull.

Message 5 of 10
Anonymous
Not applicable

Re: How many time can i ask for reconsideration on Capital One?

dont call over 10 times IMO

Message 6 of 10
chalupaman
Super Contributor

Re: How many time can i ask for reconsideration on Capital One?


@Anonymous wrote:

@chalupaman wrote:

Not sure but watch your CRs closely and put them on ice. Surprise HPs are a possibility.


EO told me it won't be another HP, because they still have my report from the last pull.


That's exactly what they told me too and i got hit with two hps today. trying to see if they will get them off

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 7 of 10
Anonymous
Not applicable

Re: How many time can i ask for reconsideration on Capital One?


@chalupaman wrote:

@Anonymous wrote:

@chalupaman wrote:

Not sure but watch your CRs closely and put them on ice. Surprise HPs are a possibility.


EO told me it won't be another HP, because they still have my report from the last pull.


That's exactly what they told me too and i got hit with two hps today. trying to see if they will get them off


I'm screwed.. then another deny huh?

Message 8 of 10
chalupaman
Super Contributor

Re: How many time can i ask for reconsideration on Capital One?


@Anonymous wrote:

@chalupaman wrote:

@Anonymous wrote:

@chalupaman wrote:

Not sure but watch your CRs closely and put them on ice. Surprise HPs are a possibility.


EO told me it won't be another HP, because they still have my report from the last pull.


That's exactly what they told me too and i got hit with two hps today. trying to see if they will get them off


I'm screwed.. then another deny huh?


Maybe you'll have more luck then i did. When i told them about it, they claimed they were likely sps when that was far from the case. Very Comenity esque tactics imho.

Tradelines: Macy’s - $18k, Penfed Power Cash Rewards - $10k, Ethan Allen (TD Bank) - $5.7k, Kay Jewelers - $5.5k, Appliances Connection - $5.3k, Jared - $5.25k, Best Buy (Citi) - $5k, Dell Preferred Account - $3.5k, Samsung - $3.2k, Firestone CFNA - $3.2k, Capital One Platinum - $3k, Mercury MC - $2.25k, Williams Sonoma - $2.1k, Wayfair (Fortiva) - $2k, Amazon Store Card - $1.8k, Apple Card - $1.7k, NFCU cashRewards - $1.5k, CareCredit - $1.5k, B&H Photo - $1.5k, Adorama - $1.25k, Ebay MC - $1k, Sam’s Club MC - $1k, American Eagle - $1k, Ollo MC - $600, Mission Lane Visa - $500, NY & Company - $500, Walgreens - $500, Home Depot - $500, Target RED Card - $500, CapOne Secured MC 0 AF - $500, Penfed Overdraft LOC - $500

Current FICOS: Mid 640s-50s on all reports, Ch 7 BK D/C Aug 2019
Starting scores: EX - 534, EQ - 574, TU - 516 | Total TLs: $91k approx | Total Utilization: 17%, getting this back down
Message 9 of 10
Anonymous
Not applicable

Re: How many time can i ask for reconsideration on Capital One?


@chalupaman wrote:

@Anonymous wrote:

@chalupaman wrote:

@Anonymous wrote:

@chalupaman wrote:

Not sure but watch your CRs closely and put them on ice. Surprise HPs are a possibility.


EO told me it won't be another HP, because they still have my report from the last pull.


That's exactly what they told me too and i got hit with two hps today. trying to see if they will get them off


I'm screwed.. then another deny huh?


Maybe you'll have more luck then i did. When i told them about it, they claimed they were likely sps when that was far from the case. Very Comenity esque tactics imho.


I hope so, but will they reconsider even if they already upgraded my Platinum Mastercard to QS MC? i think that will be a factor too

Message 10 of 10
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.