Capital One

[Anonymous]

Applied for a Capital One CC, got denied. Contacted Capital One to see if they could use the initial hard inquiry to apply for a secured card. Was told no because it violates capital one policy. Has anyone heard of this or been able to find a way around it. Thanks!!

[Anonymous]

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@Anonymous wrote:

Applied for a Capital One CC, got denied. Contacted Capital One to see if they could use the initial hard inquiry to apply for a secured card. Was told no because it violates capital one policy. Has anyone heard of this or been able to find a way around it. Thanks!!

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CapitalOne's standard answer for anything helpful is "No."

Get in touch with EO.

[Anonymous]

Dont mean to sound ignorant or anything. Fairly new to the credit building journey. What does EO mean?

[Anonymous]

Unfortunately no, but you want to recon that denial by contacting their EO office. Google Cap One EO and you will find a email address. Email them and tell them you were just denied and wanted them to reconsider. The EO office will call you in a couple days (make sure you give a number in your email) and take some information then call you back within a week with a decision I was denied the quicksilver one. Emailed their EO office and in a week called back saying I was approved. It's definitely worth a try. If after that you are denied then you want to apply for a secured card. Unfortunately when you apply for the secured card it will be another 3 HPs but I know there are few other banks who will open a secured card with no HP at all. Definitely recon your denial with Cap One first. Good Luck

[Anonymous]

Executive Office

[Anonymous]

They are very nice and helpful, at least they were to be. The computer denied me with score in the mid to high 500's but their EO office got me approved! A lot of people also contact them about CRedit Limit increases. They are the only department that actually get stuff done.

[Chaselover]

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@Anonymous wrote:

Applied for a Capital One CC, got denied. Contacted Capital One to see if they could use the initial hard inquiry to apply for a secured card. Was told no because it violates capital one policy. Has anyone heard of this or been able to find a way around it. Thanks!!

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I have heard the same thing from them. It violates their policy and they wanted to HP again. I dont know, these ppl love pulling as many inquiries as they can even for just one app.

[ojefferyo]

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@Anonymous wrote:

Applied for a Capital One CC, got denied. Contacted Capital One to see if they could use the initial hard inquiry to apply for a secured card. Was told no because it violates capital one policy. Has anyone heard of this or been able to find a way around it. Thanks!!

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Their policy is crap if you ask me, they will tell you NO to everything you request from the frontline people. Only way to get anything done with them is through EO and I have a tough time doing that. Been 2 weeks since the EO office contacted me about a CLI on my cards. I check the account everyday to see if anything was done and nothing. I've already closed one of my Crap1 card because they weren't willing to give me a CLI after years and years of being with them and won't get rid of the stupid annual fee. Last resort is to close my other 2 cards with them. I'm not hurting for their cards, they have ben sitting idle for a good while.

[Anonymous]

Thank you all for the responses. I currently have no revolving accounts and i feel as though I need something current to improve my score. I have not opened any account in the last four years.

[Anonymous]

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@Anonymous wrote:

Thank you all for the responses. I currently have no revolving accounts and i feel as though I need something current to improve my score. I have not opened any account in the last four years.

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Sounds like you need a double diamond in your signature.

Or at least...You did.