How many inquries do you have accross the 3 bureaus? 
Your Capital One Platinum MasterCard does not help Capital One pull your credit report. It is a factor in the lending decsion because it demonstrates your internal history with them.
Those could have the reason for your denial, but I am not sure. You do not have a lot IMHO, and your scores are exceptional. Perhaps you were denied because your credit reports were frozen.
I hope others with more knowledge than I will chime in soon.
@Anonymous wrote:
My report shows 2 hard inquiries on EX and EQ both for my auto loan, 4 hard inquiries on TU, of which 2 are for auto loan. I have been assuming that multiple auto loan inquiries that occur in a short time period (2 weeks) are treated as one inquiry.
That's a misconception. Rate shopping for home or auto will result in a single ding for a short period of time. All the inquiries will still count after the fact. The good news is that if you're ever denied for too many inquiries, you simply need to recon and explain the rate shopping. Anyone doing a manual review will factor them out.
Also, cap1 has a 9/24 rule which you are far under. But, too many inquiries are what theyre looking at lately. At least, that's why I wasn't approved for the last one I apped for. Also the reason they won't give me a CLI.
Sorry about your denial.
You should call for recon instead of reapplying if it was denied due to your CRs being frozen because as stated previously CapOne pulls from all 3 CRAs (they pulled all 3 when I applied and I had an existing card with them 
).
