moving negative towards Cap One

[Anonymous]

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@Anonymous wrote:

I've been with them over 10 years too.  Just moved cards around at first.  But never any great limits.  Venture was the first new app in a very long time.  Now thinking of comibinng my other 2 into 1 QS so I only have 2 cards.  Could be the inquiries that spooked them?  I am getting along with them much better than before and I have no idea why?

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Cap One does not combine cards or reallocate limits period. Not even EO will do it. That is one of their hard set rules unfortunately although I've heard it "may" change in the future. 

[ecxpa]

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@Anonymous wrote:

Is it possible 45+ inqs spooked Cap One lol?

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I guess it is possible.......lenders tend to vary on this.  If this is the case then so be it.........I recently got a BBVA for 20k, Barclay Ring 12,5K, and Amex Delta Gold Card for 20k with these inquiries..   

What gripes me is that they probably didn't even look at my credit reports after doing HP......they didn't really have a reason as to why they didn't even change the date on the letter from the previous denial which was almost 3 mos apart.

[Anonymous]

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@ecxpa wrote:

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@Anonymous wrote:

Is it possible 45+ inqs spooked Cap One lol?

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I guess it is possible.......lenders tend to vary on this.  If this is the case then so be it.........I recently got a BBVA for 20k, Barclay Ring 12,5K, and Amex Delta Gold Card for 20k with these inquiries..   

What gripes me is that they probably didn't even look at my credit reports after doing HP......they didn't really have a reason as to why they didn't even change the date on the letter from the previous denial which was almost 3 mos apart.

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Cap One isn't usually inq sensitive but 45+ they might notice.

But hang on a sec... You got a Ring with that many inqs??? Barclay made me recon my Sallie Mae with 4 inqs and wanted a f****** explanation for them lol!!!! I was like "I still have only student cards and needed to move up to prime cards". That satisfied them and I was approved. How did they approve you when they are so inq sensitive with so many here lol. 

[Luscher]

and 6% of 250k is like 15k so they might not like that lol

[ecxpa]

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@Luscher wrote:
and 6% of 250k is like 15k so they might not like that lol

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That's really not that much.........usually my util goes to around 2-3% at mid month...........but you might be right.  Guess I need to finish some remodeling projects and get it down if I want a Cap 1 card........right now I'm leaning toward saying screw'em.

[Luscher]

Its capone, nobody is ever right when trying to speculate what they are thinking

[pizza1]

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@Anonymous wrote:

Is it possible 45+ inqs spooked Cap One lol?

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NO..45 inquires didnt spook them.  I had 80+ on EQ, and 60+ on the other two adn got 4 cards 35 days apart from each other. IDK..its weird...

[Anonymous]

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@pizza1 wrote:

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@Anonymous wrote:

Is it possible 45+ inqs spooked Cap One lol?

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NO..45 inquires didnt spook them.  I had 80+ on EQ, and 60+ on the other two adn got 4 cards 35 days apart from each other. IDK..its weird...

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Okay I thought 45 was a lot... YOU HAVE 80+ INQS?

[ecxpa]

IDK......Maybe it was my response I gave after using the chat line when I was trying to get the interest rates changed to reflect  Cap 1's own rates..  Maybe they have blacklisted me.

[wacdenney]

I'm in the same boat as you.  I can get approvals all day long for top notch cards, but Crap1 wont give me the time of day.  It feels like they actually go out of their way to screw me over.  They hate me and I hate them back!  At this point I am done with them.  Crap1 and Citi also.  They can both kiss my arse!