applying for a credit card

jamesbondjames0007

hi i applied for a capital one card a month ago but they declined my application.i thought its easy to get one even if u have a poor credit.applied for a barclaycard and got it 2 months ago.but dont know why capital one declined the application.any advice to get another credit card no matter whats the credit limit is.cheers

canny_yorkshireman_2

you may have allready contributed to your downfall as applying for credit scores on your file in such a short space of time wait for at least 6 months and then try again
hth

carl310166

jamesbondjames0007 wrote:

hi i applied for a capital one card a month ago but they declined my application.i thought its easy to get one even if u have a poor credit.applied for a barclaycard and got it 2 months ago.but dont know why capital one declined the application.any advice to get another credit card no matter whats the credit limit is.cheers

Ooops,i hit the thanks button instead of the quote button,but i am sure you won't mind!

Anyway,i was going to say,that i have recieved nearly every card i have applied for (and there have been lots over the years),with the exception of 2,one was the Post Office card,and i work for them! but more importantly,i used to have a Capital One card last year,so i cancelled it as it wasn't being used.I have since reapplied twice in the last year,but they have turned me down both times? I believe my credit to be good,i have sent for my report,and i have never missed a payment,ever,so i have no idea why they turn me down.

jamesbondjames0007

carl310166 wrote:

Ooops,i hit the thanks button instead of the quote button,but i am sure you won't mind!

Anyway,i was going to say,that i have recieved nearly every card i have applied for (and there have been lots over the years),with the exception of 2,one was the Post Office card,and i work for them! but more importantly,i used to have a Capital One card last year,so i cancelled it as it wasn't being used.I have since reapplied twice in the last year,but they have turned me down both times? I believe my credit to be good,i have sent for my report,and i have never missed a payment,ever,so i have no idea why they turn me down.

i was wondering where i got 1 thanked post.just found it now.who does mind getting thanks from others?lol
anyway i will apply after few months coz i think canny yorkshireman is right though i cant remember when.

jay78

jamesbondjames0007 wrote:

hi i applied for a capital one card a month ago but they declined my application.i thought its easy to get one even if u have a poor credit.applied for a barclaycard and got it 2 months ago.but dont know why capital one declined the application.any advice to get another credit card no matter whats the credit limit is.cheers

I applied for the Capital One card about 6 months ago thinking the same thing, but got declined. I didn't think to find out why. Incidently the search isn't on my current Experian credit file and the search was only done 6 months ago. I'm going to apply for the Barclaycard (did you apply for the 'initial' card?). Generally they check Equifax which might work more in my favour.

jamesbondjames0007

jay78 wrote:

I applied for the Capital One card about 6 months ago thinking the same thing, but got declined. I didn't think to find out why. Incidently the search isn't on my current Experian credit file and the search was only done 6 months ago. I'm going to apply for the Barclaycard (did you apply for the 'initial' card?). Generally they check Equifax which might work more in my favour.

i applied for the student barclaycard.they check equifax as they did that for me.