https://applynow.capitalone.com/?productId=11725
Card Details
BONUS OFFER
Earn a one-time $250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
REWARDS INFO
Earn unlimited 3% cash back on dining and entertainment, 2% at grocery stores (excluding superstores like Walmart® and Target®) and 1% on all other purchases.
ANNUAL FEE
$0
PURCHASE APR
0% intro APR for 15 months; 15.49% - 25.49% variable APR after that
TRANSFER INFO
15.49% - 25.49% variable APR; No Transfer Fee
No Foreign Transaction Fees
233 Comments
Your comment cannot be blank.
Sign up for a Slickdeals account to remove this ad.
Some people always like not taking responsibility for their life and actions. Just saying...
Indeed, which is why its good to properly read what people post so that you don't go on a diatribe about them not taking responsibility for their "life and actions". Just saying...
Indeed, which is why its good to properly read what people post so that you don't go on a diatribe about them not taking responsibility for their "life and actions". Just saying...
"· Based on your application information, there are too many Capital One accounts"
Too many bank card tradelines opened in the last 24 months.
Too many new revolving accounts.
Too many revolving account.
It's true because I opened 3 accounts in Citi bank last year to get $700 bonus, Tmobile Money to get high interest rate and 2 WF for my kid. I have about 20 credit card with.total credit limit about $200K and every month I use about 2K but I paid off on the due date.
But just 2 week ago, I applied Chase Flex card to get $200 bonus. I got approval with $15 K credit limit instantly. No wonder Credit Karma does not suggest me any CC from Capital One.
By the way, with every hard inquire my credit score only drops 2-5 points then bounce back right away. I don't care about credit score anymore because I'm retired and will not apply any home/car loan anymore.
Too many bank card tradelines opened in the last 24 months.
Too many new revolving accounts.
Too many revolving account.
It's true because I opened 3 accounts in Citi bank last year to get $700 bonus, Tmobile Money to get high interest rate and 2 WF for my kid. I have about 20 credit card with.total credit limit about $200K and every month I use about 2K but I paid off on the due date.
But just 2 week ago, I applied Chase Flex card to get $200 bonus. I got approval with $15 K credit limit instantly. No wonder Credit Karma does not suggest me any CC from Capital One.
lul. Strange. They seem kinda overly conservative in their cc approvals. I opened about 5 new credit cards within the last year here, and just opened a new Chase Flex card for the $200 bonus myself(which I just got today) and a BOA platinum card for a $500 bonus last week. I also have about 15 or so credit cards. I still got approved.
Too many bank card tradelines opened in the last 24 months.
Too many new revolving accounts.
Too many revolving account.
It's true because I opened 3 accounts in Citi bank last year to get $700 bonus, Tmobile Money to get high interest rate and 2 WF for my kid. I have about 20 credit card with.total credit limit about $200K and every month I use about 2K but I paid off on the due date.
But just 2 week ago, I applied Chase Flex card to get $200 bonus. I got approval with $15 K credit limit instantly. No wonder Credit Karma does not suggest me any CC from Capital One.
By the way, with every hard inquire my credit score only drops 2-5 points then bounce back right away. I don't care about credit score anymore because I'm retired and will not apply any home/car loan anymore.
Update: just downloaded my denial letter from cap 1 the reason for the denial is to many accounts with them
I applied for a Capital One card with great credit and after taking the credit hit I was refused. But, > I wasn't really refused <. Capital one then offered me the exact Same Card but with a change of terms that EXCLUDED any of the bonuses. I refused their offer but still took the hit.
Be careful with these guys. Capital one is the only bank who has ever pulled this stuff on me (never been refused) pretty shady bank. You may want to reconsider if you're concerned with a credit pull only to have them do a Bait and Switch.
Sign up for a Slickdeals account to remove this ad.
That's even worse if you dont get approved and end up with 3 new inquires on your report.
Isn't it just a temporary hit? Whats the downside unless you are looking for a loan in the next couple months?
802 credit score
46k annual income
Sign up for a Slickdeals account to remove this ad.