Capital One issues

[Scorpiion]

Why is it so hard to obtain a Capital One card or even a store card that is backed by Capital One??? It is such a turn off. I applied for a Kohls card (I thought they were backed by GE) a couple weeks ago and got declined because I didn't have a mortgage and my credit limits on my current cards aren't high enough! Wth...go figure. I LOVE GE, have yet to be turned down by GE and with all of my subprime cards I'm starting to think that GE only likes me because the subprime people like me, *sighs* guess I'm not worthy.

[LS2982]

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@Scorpiion wrote:

Why is it so hard to obtain a Capital One card or even a store card that is backed by Capital One??? It is such a turn off. I applied for a Kohls card (I thought they were backed by GE) a couple weeks ago and got declined because I didn't have a mortgage and my credit limits on my current cards aren't high enough! Wth...go figure. I LOVE GE, have yet to be turned down by GE and with all of my subprime cards I'm starting to think that GE only likes me because the subprime people like me, *sighs* guess I'm not worthy.

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What are the other denial reasons?

[sccredit]

What Cap1 card have you been applying for?  Just Kohls?  Have you tried their lower tier cards?  My wife was well over 700 and got a $400 limit on Kohls, not exactly soemthing to aspire to.

[Scorpiion]

I've had a secured card for 2 years

[fargobzn]

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@Scorpiion wrote:

Why is it so hard to obtain a Capital One card or even a store card that is backed by Capital One??? It is such a turn off. I applied for a Kohls card (I thought they were backed by GE) a couple weeks ago and got declined because I didn't have a mortgage and my credit limits on my current cards aren't high enough! Wth...go figure. I LOVE GE, have yet to be turned down by GE and with all of my subprime cards I'm starting to think that GE only likes me because the subprime people like me, *sighs* guess I'm not worthy.

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Have you tried to get their Cash Rewards Mastercard? I was approved for that a few weeks ago and at the time my credit score was around 645 and I've never had a credit card of any kind. I don't have a mortgage either, just student loans. 

[CreditJunkie917]

If you have shown a positive payment history with their secured, it's highly probable you will be approved for their CR unsecure card. When I got my CR last august, two of my scores were in the mid 500s. but I also had 14mo of positive payments on the secure.

[jsucool76]

If you apply for cash rewards just make sure you app for the MC and not the visa.

Visa is substantially harder to obtain.

[jsucool76]

(on my phone, cant edit)

Just wanted to clarify the above statement applies only to the capital one cash rewards card. Network has nothing to do with approval criteria, that is just how their cash rewards card works.

[Anonymous]

I also got approved for a newcomer card with limited credit history.
If you have good payment history then contact CapOne EO to change your card to unsecured.
For me CapOne is the best card due to no foreign transaction charges.