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CaseyPedler
Member since: January 2011
Total Contributions: 2
Most Popular Contribution
Marine FCU
Activity
(2 Total Contributions)Capital One® Platinum Credit Card
Denied with a 740 beacon. I have had a Cap1 card for 12 years now (it was my first CC). Made 2 consecutive late payments in college 7 years ago; Cap1 did not close my account but deactivated my card. The Cap1 account shows up as open/pays as agreed on my CR with a $300 limit - I tried to get it reactivated so I could increase the CL (I think the $300 limit looks bad on my report) but the customer service rep (Indian call center) said they would not reactivate the card, and I would have to reapply. I got an instant denial because of the late payments back in 2005 (they didn't even check my CR). I would rather just have the Cap1 entry deleted from my report even though it is not negative/derog. For what it's worth, I have perfect payment history on all accts since 2005; was approved without problem for an Amex, Discover, Bank of America Visa, 3% APR used car loan etc.
Review posted 3 months ago
Marine FCU
Can't beat 3% APR on a 60 month used car loan...
Review posted 6 months ago
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Can't beat 3% APR on a 60 month used car loan...
Review posted 6 months ago