Denied Capital One credit card?

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penguinja
 
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Denied Capital One credit card?

Postby penguinja » Fri Nov 12, 2010 12:02 pm

I was recently sent an email by Capital One for a Venture One card that said thanks for being a Capital One customer blah blah blah, we'd like to offer you this card, so apply now! I decided to apply for it and was summarily rejected. My question is, is it normal to be sent offers and then be rejected upon applying? The whole thing seems strange to me. Thanks for any replies as they are greatly appreciated.


JL70
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Postby JL70 » Fri Nov 12, 2010 3:07 pm

Is just a pre-screened offer.If you read the Disclaimer at the bottom of the offer, it tells you that approval is not guaranteed.
You are going to get a letter in the mail, it will tell you the specific reasons why they didn't approve you, now you have something to work on! :)

Prescreened Offers of Credit and Insurance

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Cucumber
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Postby Cucumber » Fri Nov 12, 2010 3:19 pm

Pre-approved offers don't mean you have been approved (kind of a scam really)

You said you already have a Capital One card though? Kinda weird you would be denied for that card but not one of their others.
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CCG
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Postby CCG » Fri Nov 12, 2010 10:36 pm

If you have been denied a Capital One credit card, then you should check out our sponsored listing of the top rated credit cards for fair credit

lexareece
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Whats up with Capital One?

Postby lexareece » Sat Oct 29, 2011 5:55 pm

Capital One refuses to issue me any Credit Card.... Makes little sense as I am an Amex Gold Holder, have a Visa Signature from Citi Bank with a 20K Limit, and a Chase Freedom Signature with a 22K Limit. Both over 4 years old. Also a BOA Card I have had since I was 18 with a 12K limit that I never use (Started out as $500, they keep raising it, I keep it open for the Age).

Tried to get a Venture Card and was denied... Waited 30 Days and tried again... Denied.... Letter stated that my fico score was to low... ~800... Have a fully paid car Loan and a 2/3 year paid loan on my report. Not a single hit for a bad payment and less than 15% of my credit is utilized.... Also make a very comfortable income.... I guess they don't want a good customer... Anybody else have this problem?
In my Wallet-
[size=60]Bank of America-Platinum Privledges Cash Rewards Visa Signature 12K
American Express- , Starwood Preferred Guest 6K, Hilton Honors 6K, Amex Everyday 10K, Business Gold Rewards
Chase- Freedom Visa Signature-6K, United Millage Plus Explorer Platinum Visa-5K
Barclays- US Airways Dividend Miles Business Master Card 24K[/size]

[size=60]In a Drawer
Bank Of America- Platinum Plus Rewards- 22K, Royal Caribbean Visa Signature 8K
Discover- More Card 8K
Citi- Thank You Mastercard Card 6K, Hilton Honors Visa Signature-10K, American Airlines World Master Card 6.5K
Credit Union Card- 20K- 6.9%APR NO Fees Period(for when I get in trouble[/size]

Money card
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Postby Money card » Sat Nov 05, 2011 11:52 pm

many years ago I was sent in the mail pre-approved credit card applications, the short form from companies in the boon docks back in the mid 90's. I got turned down. I probably filled out 2 applications a month. most like in kansas, these banks were I'm sure there all gone by now. then 1 day I filled out a First card visa gold application and in 1995 I was finally approved.

I don't remember the names of the banks but it was around the time when they started to get rid of annual fees.



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