Capital One Blacklist?

[Twotimesacharm]

Somehow I have found myself on a Cap One blacklist, and I had no idea they even had one.

I had 2 charge offs in 2017 that I actually paid IN FULL in 2018, and also had a car loan with them at the same time that was never late and fully paid. I have tried sporadically over the last six and a half years and it stills says they can't prequalify me due to previous activity on a prior account. Has anyone found themselves on this elite blacklist before?

[Brian_Earl_Spilner]

I've seen it mentioned before. Never saw a resolution because everyone starts saying there are better cards out there and the threads follow. 

[Twotimesacharm]

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@Brian_Earl_Spilner wrote:

I've seen it mentioned before. Never saw a resolution because everyone starts saying there are better cards out there and the threads follow. 

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I do have a few prime cards (WF that graduated from secured, NFCU Amex, and a Delta Amex [$1,000 SL, no CLIs in 3 years]). Maybe I'll just wait until the end of the year when the last of my COs fall off and try for a CLI on one of my primes.

[CYBERSAM]

Cap1 is one of the most forgiving banks out there! They even remove collections much sooner then 7 years.

Having said that, if your score is low or credit not clean very likely you going to get a bucketed card once they do offer them to you!

There are many cards out there that can grow, don't concern yourself with Cap1 too much.

[Twotimesacharm]

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@CYBERSAM wrote:

Cap1 is one of the most forgiving banks out there! They even remove collections much sooner then 7 years.

Having said that, if your score is low or credit not clean very likely you going to get a bucketed card once they do offer them to you!

There are many cards out there that can grow, don't concern yourself with Cap1 too much.

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Thanks! My scores are 660 and above and I have 3 charge offs that are over six years old and will fall of this year and 2 lates that are four years old. I'm just confused, especially since I paid them in full and never missed a payment on a 30k car loan. Weird. I'll stick with growing my current cards when my COs drop off.