Do you think this is fair ?

[Chaselover]

I had applied for the Cap1 Secured Card about a month ago. They required documents for income verification. I mailed them. And final decision letter received saying that, income cannot be verified. When I tried to call recon, they told that they would have to add one more HP just for this. Anyway as I dont want this secured, I am forgetting the prior inquiry that I made, but do you think this is fair? 

On the side note: I was approved for the Cap1 platinum by sending the same income documents.

And what could be the reason for my score to invalid or missing, when I get the score from denials from other Lenders ?

[TheFate]

I would either write a letter to that PO box or email the EO

[Anonymous]

I had this problem when trying to get a CLI from Capital One a while back.   Basically couldn't find my credit record at all, which was sort of amusing as I had had two cards with them for 10 and 15 years and they had been reporting my payment history all this time.   I discovered that for the CLI they were using a UK address I wasn't aware they had, and that was enough for the match to fail.  When the EO tried, everything worked.

[Creditaddict]

If you got cap1 unsecured than don't worry about the secured

[yfan]

Why would you even want a secured card when you have an unsecured one and pretty good scores?

[Anonymous]

Looking at your siggy, you indicate that you are in the verification process for EQ.  As Cap 1 pulls from all 3 bureaus, without a CS on EQ, your app would have been rejected. 

[SevenNEW]

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@yfan wrote:

Why would you even want a secured card when you have an unsecured one and pretty good scores?

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+1. You seem to be past secured cards! Just garden the CLs you have and you'll be fine!

[Chaselover]

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@TheFate wrote:

I would either write a letter to that PO box or email the EO

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@Creditaddict wrote:

If you got cap1 unsecured than don't worry about the secured

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 @TheFate & @Creditaddict: I am really not looking for any secured card from them now, but just thought its so unfair. If it was some Chase, I would leave the extra inquiry. But now, Im forgetting it. 

[Chaselover]

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@Anonymous wrote:

Looking at your siggy, you indicate that you are in the verification process for EQ.  As Cap 1 pulls from all 3 bureaus, without a CS on EQ, your app would have been rejected. 

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@Anonymous:

Yeah, I think that can be a reason.

[Chaselover]

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@SevenNEW wrote:

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@yfan wrote:

Why would you even want a secured card when you have an unsecured one and pretty good scores?

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+1. You seem to be past secured cards! Just garden the CLs you have and you'll be fine!

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@yfan, 

@SevenNEW

To answer your questions: 

Even though I have those unsecured cards, they are all of less limits in the $500 range. The main reason I thought to apply for the Cap1 secured was because I heard it does not report as a Secured card in the CR's. I needed high limits reporting. However, now I am just forgetting about Cap1 as I heard their secureds never graduate. Now planning to increase my CL with BOA secured by adding 4k so that I get high limits reporting. And by chance, if they graduate a year later with some high limit, then probably I should be able to get some other primes which require a min CL of $5000, as I have heard Chase sometimes matches other card limits. 

Open to any suggestions if you feel what Im doing is wrong.