Capital One will not approve me.

[cottoncrown]

I have Amex, BofA, Chase, Barclays, Discover but cap one will not approve me. They were my first card, secured, $49 deposit, closed it over a year ago and they will not approve me. They even sent a pre approval to my ex wife who was an authorized user on the account who had no credit history and approved her for unsecured credit. What gives? I know most of you are thinking, CapOne, who cares, but I really wanted the venture for the 400 sign up bonus and the quicksilver before getting my bofa travel rewards. They even denied me for the 'newcomers' card last year. Anyway, what is the deal?

[Anonymous]

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@cottoncrown wrote:
I have Amex, BofA, Chase, Barclays, Discover but cap one will not approve me. They were my first card, secured, $49 deposit, closed it over a year ago and they will not approve me. They even sent a pre approval to my ex wife who was an authorized user on the account who had no credit history and approved her for unsecured credit. What gives? I know most of you are thinking, CapOne, who cares, but I really wanted the venture for the 400 sign up bonus and the quicksilver before getting my bofa travel rewards. They even denied me for the 'newcomers' card last year. Anyway, what is the deal?

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Capital One is a quirky lender.

Did you call to recon? or talk with EO?

[FinStar]

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@cottoncrown wrote:
I have Amex, BofA, Chase, Barclays, Discover but cap one will not approve me. They were my first card, secured, $49 deposit, closed it over a year ago and they will not approve me. They even sent a pre approval to my ex wife who was an authorized user on the account who had no credit history and approved her for unsecured credit. What gives? I know most of you are thinking, CapOne, who cares, but I really wanted the venture for the 400 sign up bonus and the quicksilver before getting my bofa travel rewards. They even denied me for the 'newcomers' card last year. Anyway, what is the deal?

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Not sure they would be the best to reconsider (lots of folks have reported mixed results on this process, albeit lengthy).  What reasons have they cited for the denial, and these would definitely be pegged with all 3 CRAs of course.

[SunriseEarth]

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@cottoncrown wrote:
I have Amex, BofA, Chase, Barclays, Discover but cap one will not approve me. They were my first card, secured, $49 deposit, closed it over a year ago and they will not approve me. They even sent a pre approval to my ex wife who was an authorized user on the account who had no credit history and approved her for unsecured credit. What gives? I know most of you are thinking, CapOne, who cares, but I really wanted the venture for the 400 sign up bonus and the quicksilver before getting my bofa travel rewards. They even denied me for the 'newcomers' card last year. Anyway, what is the deal?

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It happens.  I was system denied for a Sony Card back in March (and I thought it'd be a sure thing).   I reconned through the EO and was approved at the time for $1500 and their best APR of 13.9%.   Last month, I got a CLI on that account through the EO to $2500.

Sometimes, their computer just doesn't know any better.  If you've recently apped, I'd reach out to the EO to recon.   Don't let those HPs go to waste!

[Anonymous]

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@SunriseEarth wrote:

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@cottoncrown wrote:
I have Amex, BofA, Chase, Barclays, Discover but cap one will not approve me. They were my first card, secured, $49 deposit, closed it over a year ago and they will not approve me. They even sent a pre approval to my ex wife who was an authorized user on the account who had no credit history and approved her for unsecured credit. What gives? I know most of you are thinking, CapOne, who cares, but I really wanted the venture for the 400 sign up bonus and the quicksilver before getting my bofa travel rewards. They even denied me for the 'newcomers' card last year. Anyway, what is the deal?

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It happens.  I was system denied for a Sony Card back in March (and I thought it'd be a sure thing).   I reconned through the EO and was approved at the time for $1500 and their best APR of 13.9%.   Last month, I got a CLI on that account through the EO to $2500.

Sometimes, their computer just doesn't know any better.  If you've recently apped, I'd reach out to the EO to recon.   Don't let those HPs go to waste!

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Gee, that's the lowest APR i've ever heard of from CapOne.

[CreditCuriosity]

Got 12.15% APR on a QS.  Don't know how they hate me w/regards to other things

[Anonymous]

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@CreditCuriousity wrote:

Got 12.15% APR on a QS.  Don't know how they hate me w/regards to other things

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Score at time of app?

[CreditCuriosity]

Not sure what score was way back when i got it, was an old Plat Vias that was converted to QS if I remember correctly have had it for like 8-10 years?  I know it is pretty good for them.

[Anonymous]

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@CreditCuriousity wrote:

Not sure what score was way back when i got it, was an old Plat Vias that was converted to QS if I remember correctly have had it for like 8-10 years?  I know it is pretty good for them.

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Ah that's how. You got it when money was "cheap"

[cottoncrown]

I think it said the standard reasons for denial inquries, new accounts.