Cap One Quicksilver Manual Review?

[SunriseEarth]

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@ILFarmer wrote:

I recently applied for a Capital One Quicksilver and I E-mailed the CEO after being denied. I got a call this morning explaning why I was denied, high usage, lenth of credit history, blah blah blah. According to my discover bill my FICO is a 745, and I checked my TU last night and it was a 733. 

I got discover to up my credit limit to 4300 2 days ago over the autmated phone message. My useage is high because I have too low of a limit for my spending habbits. I guess I just need to pay cash or write checks more.... until I can get another card or two and higher limits. I ALWAYS PIF, and have NEVER had a late payment. 

Anyway, will the "manual review" that I am going to be given do any good? I explained how my util is high because I don't have a high enough line of credit. It seems to me that even if I was a billionaire and paid my bill in full I still can't get rewarded with enough credit or some better cards. I really don't see the problem in spending 99% of a CL if the bill is PIF every month.. 

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I think the computer at Cap One is bizarre, so I'm fairly confident you'll have success with the EO.

I applied for the Cap One Sony Card on 3/4 and, although they showed a 682 EX FICO, I was system denied due to my BK from 2005 (when did Cap One get BK unfriendly?).  That same day, AMEX instantly approved me for $1500 CL and an 18.9% APR once the 0% period ends (they showed me as an EX FICO of 673).   Once the Cap One UW got my app thru recon,  I was approved with a $1500 CL and a 13.9% APR once the 0% period ends. 

You took all those HPs for the QS, so stick with the recon and you'll probably come out with something. 

[MrSugaFree]

I was just approved Quicksilver one $500☆☆☆