You know, I don't even want the card now.
So even if they review my credit and send it to me, I will send it back.
Just ticks me off I took a hard inquiry over it!! 
actually you probably took 3 (cap1 pulls all 3 for most initial apps.) unless you changed your mind for whatever reason, i just wouldn't let my distaste for a questionable auto decline prevent me from recon. after getting hit for 3 inqs. but that's just me. does seem really weird though to have happened to you at cap1.
@kimg727 wrote:You know, I don't even want the card now.
So even if they review my credit and send it to me, I will send it back.
Just ticks me off I took a hard inquiry over it!!
With scores and credit like yours, I'd be looking at Discover, especially; also Chase, Citi, Bank of America.
Is that 820 your Equifax FICO? Do you know what the other two FICO scores are? And be advised, Cap1 generally pulls all three credit bureaus for an app, so you might now have one app on each.
In general, it's a good idea to have three good credit cards, just for situations like this. You might want to read the FICO High Achievers thread linked in my siggy. It paints the typical credit profile of consumers with high FICO scores.
Is that 820 your Equifax FICO? Do you know what the other two FICO scores are? And be advised, Cap1 generally pulls all three credit bureaus for an app, so you might now have one app on each.
In general, it's a good idea to have three good credit cards, just for situations like this. You might want to read the FICO High Achievers thread linked in my siggy. It paints the typical credit profile of consumers with high FICO scores.
@haulingthescoreup wrote:
With scores and credit like yours, I'd be looking at Discover, especially; also Chase, Citi, Bank of America.
Is that 820 your Equifax FICO? Do you know what the other two FICO scores are? And be advised, Cap1 generally pulls all three credit bureaus for an app, so you might now have one app on each.
In general, it's a good idea to have three good credit cards, just for situations like this. You might want to read the FICO High Achievers thread linked in my siggy. It paints the typical credit profile of consumers with high FICO scores.
I already have Discover (which I hate) and Chase. I have a good mix of credit cards and installment lines of credit. I only keep a balance on one credit card, which is a 0% interest card.
The 820 is Equifax. Transunion and Experian are also over 800 (two months ago they were anyway).
Capital One did pull Equifax because right after I was declined, I immediately pulled my credit and saw the hard inquiry. Fortunately, it did not affect my FICO (I check Equifax every month).
If they pull Transunion and Experian, that is OK because as of two months ago, I had no inquires on either.
This is really perplexing me because I have never been denied credit. However, with the credit crunch, etc., it's clear these days are not like the olden ones.
The more I think about it, I may be denied simply because I have a lot of credit available to me (most cards have a 25K limit). I have not cancelled any of those cards simply because I've had them for over 15 years and don't want to hurt my FICO by closing them.
I'll check that link out.