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Capital One Mess!

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Anonymous
Not applicable

Capital One Mess!

This card had flat out denied me 4 or 5 times in the last 3 years. A Months ago i get a pre approved offer from them immediately denied cause i had just applied 30 days before. There is a 45 day window before you can re apply an if u don't wait the 45 days they will deny you again but with no hard pulls.
 
I get home from work today why did i just receive another pre approved offer from them again but i had just applied Augurs 18 so that's not 45 days if i would apply they would deny me again.
 
Capital one can forget it i'm not wasting another inquire on them.
 
For some reason they have never liked me an now i feel the same. This is the same company i have my car financed with.
Message 1 of 7
6 REPLIES 6
haulingthescoreup
Moderator Emerita

Re: Capital One Mess!

They are definitely crazy with the mailers.

With many CCC's, they sub out the pre-app business, so the sub-contractors keep mailing away, while the approval department is saying, no no no. Smiley Tongue
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007
Message 2 of 7
niecey89
Frequent Contributor

Re: Capital One Mess!

Yeah Cap1 is the only company that still sends me junk mail. I am on the opt out list thru the CBs
FICO Scores 7/15/2008: EQ 600, TU 546, EX 490
9/17/08 - TU 571,12/17/08 649,3/16/09 638, 6/14 642
ScoreWatch 12/17/08 EQ 646, 1/2/ 09 664, 2/2/09 684,2/12/09 673, 2/16/09 688, 2/27 674,3/3 682,4/16 685, 6/28 679
1/2/09 EX 668 2/13/09 669
AS of NOV08 I am Credit card debit free. I AM A MYFICO.COM ADDICTED Smiley Happy ~
Message 3 of 7
Anonymous
Not applicable

Re: Capital One Mess!

I just did a opt out a few weeks ago i hope i stop getting them.
Message 4 of 7
Anonymous
Not applicable

Re: Capital One Mess!

I agree that you shouldn't waste your time or any more inquiries on them. There are better cards and saner card issuers out there. Can you tell how much I despise them? Smiley Tongue Mine is in the 'sock drawer' where it will live out its useless little life. Bigger and better things are on the horizon for you too!

mjbfan79 wrote:
This card had flat out denied me 4 or 5 times in the last 3 years. A Months ago i get a pre approved offer from them immediately denied cause i had just applied 30 days before. There is a 45 day window before you can re apply an if u don't wait the 45 days they will deny you again but with no hard pulls.
 
I get home from work today why did i just receive another pre approved offer from them again but i had just applied Augurs 18 so that's not 45 days if i would apply they would deny me again.
 
Capital one can forget it i'm not wasting another inquire on them.
 
For some reason they have never liked me an now i feel the same. This is the same company i have my car financed with.


Message 5 of 7
Anonymous
Not applicable

Re: Capital One Mess!



LilMirth wrote:
Bigger and better things are on the horizon for you too!


O yeah most def.
Message 6 of 7
Anonymous
Not applicable

Re: Capital One Mess!

Mjbfan79, if you haven't noticed (from the numerous threads on this forum) Capital One is not a CCC that you would want to deal with anyway. They're garbage. Save your time (and those inquiries) for something better.
Message 7 of 7
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