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That agent is just giving you script that he has been provided. He is correct there is no limit to the number of times you can apply but Cap1 will only approve a new account every 6 months. You can apply if you want but they will just send you a letter stating that your request was denied and there is a application that is in progress or recently processed and will state that your credit was not affected by the request. Just give it a few more months if you want a second card and you can always try for a CLI it's a SP and it will tell you how much you qualify for if it's possible.
@Anonymous wrote:That agent is just giving you script that he has been provided. He is correct there is no limit to the number of times you can apply but Cap1 will only approve a new account every 6 months. You can apply if you want but they will just send you a letter stating that your request was denied and there is a application that is in progress or recently processed and will state that your credit was not affected by the request. Just give it a few more months if you want a second card and you can always try for a CLI it's a SP and it will tell you how much you qualify for if it's possible.
+1
My experience is that I spoke with a CSR. She stated I can apply anytime I want, but apps within 6 months of each other "may" be denied. In other words, the 6-month rule is definitely in effect. That "may" in my mind translates to a "will".
@Aduke1122 wrote:
Hey guys I wanted your thoughts about a conversation I had with an agent at Cap One via Chat yesterday . So I had a question about my QS1 acct so I got on Chat and during the chat conversation I asked was my acct eligible for any PC , he said my acct was not at this time being that it's still new . Then he proceeds to tell me that "noticing I only had one card with Cap one , I would encourage you to apply for another card" those were his exact words . I then asked him about the 6 mth /one acct opening rule. He then said there was no limit on how often you can apply and urged me to app for the card I wanted .
Is this just some agent with misinformation or doesn't know his stuff ? I know for a fact that this is or was a current rule from this forum and my Fiance's personal experience when trying to app for more than one CC within 6mths with them. Anyways just wanted your guys thoughts. I am only at 3 mths with my QS1. So I know it would be too early to app for anything yet if the rule is in affect. I also printed the conversation from my laptop just to have a proof. Thanks guys
CSR was blowing smoke, forget about it.