being denied

[DANISSE]

Hello,

Im new with this credit stuff. I recently applied for Oldnavy and was approved for the Visa card CL of $1,000. Also, just today, I was approved for Dillard's Amex Car CL of $500. Because of excitement and getting this first two "credit card" I tried applying for Cap 1 and Amazon Visa Card (Chase) and was denied. Can you guys help me out and tell me the reason why i cannot get into this other credit cards that involves "bank"? Im so confused. thank you for the help. 

As of 3/12/12

With Transunion:  753

With Equifax (FICO): 735

With Experian: 726

[Anonymous]

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@DANISSE wrote:

Hello,

Im new with this credit stuff. I recently applied for Oldnavy and was approved for the Visa card CL of $1,000. Also, just today, I was approved for Dillard's Amex Car CL of $500. Because of excitement and getting this first two "credit card" I tried applying for Cap 1 and Amazon Visa Card (Chase) and was denied. Can you guys help me out and tell me the reason why i cannot get into this other credit cards that involves "bank"? Im so confused. thank you for the help. 

As of 3/12/12

With Transunion:  753

With Equifax (FICO): 735

With Experian: 726

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I assume you mean these are your first credit cards.   If so, you need to wait a while, 6 months to a year, before adding any more.   Many creditors want some payment history before granting approvals.

[DANISSE]

Should I call capital one for reconsideration or just let this go and accept that I am really denied? 

[shane82388]

Capital One would of pulled all three of your credit reports...so that three inquiries for nothing....id say it would be worth a try to get them to reconsider.

what card did you apply for? I cant imagine you werent approved for the vanilla Platinum card with a $300 or $500 limit or something...

[DANISSE]

It didnt say on the letter, it just said "thank you for applying for a credit card issed by Capital One". But Im pretty sure I applied for the green card Capital One Cash Reward.

[shane82388]

you ddint even know what card you were applying for? lol

How did you not see?

[DANISSE]

Because I was just trying to see if ill get approved xD. but shouldnt capital one indicate on the letter of what credit card i applied for ? but, i am pretty sure its the capital one cash rewards, no doubt about that.

[shane82388]

Well, apparently not haha.

Did you do the pre-approval? What color was the card you were applying for? Green or silver/grey?

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@DANISSE wrote:

Because I was just trying to see if ill get approved xD. but shouldnt capital one indicate on the letter of what credit card i applied for ? but, i am pretty sure its the capital one cash rewards, no doubt about that.

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[DANISSE]

I just googled to see whats best credit card for first timers, it turned out that card showed up as one of the recommended cards. It was a Green Card. 

[shane82388]

hmm....i dono if that would be considered a beginner card. You can see the cards below and it shows what credit level they are. the Platinum is usually the one that they will give out most easily...or a secured card.

http://www.capitalone.com/creditcards/products/browse-all/?linkid=WWW_1009_CARD_A0B2084C0D2237EFBEF9...