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Refused Credit

Night-owl_6
Night-owl_6 Posts: 858 Forumite
in Budgeting & bank accounts
I applied for a Capital One credit card afew weeks back, I received a letter to say I had been accepted however when I rang them a few days ago they said that after another credit check they have refused my application on this time.
Why have they refused my application?
I have only one default and no other debt but Capital One have turned me down 3 times in the last year.
Does anyone know a good credit card I would have a chance with getting?
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Comments

  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    capital one gives you a instant declien if you have applied within the six month time bracket im led to believe hope you have luck else where x
    you cant change yesterday
    but you can make tomorrow better
  • skyrider007
    skyrider007 Posts: 1,108 Forumite
    Space out your applications. Try again in six months time and you might be lucky.
  • Night-owl_6
    Night-owl_6 Posts: 858 Forumite
    I thought that however when I applied last year they told me that I could re-apply again in 3 months if my credit file improved which it has.
    I have tried Capotal One and Barclay Card now with no luck.
    If anyone knows a credit card for people with a default/late payments then please do let me know as Vanquis refused me last year also
    I have checked my credit file weekly for the past 6 months and the only thing wrong with it is one default and NO late payments on 15 credit accounts.
    DELETE ACCOUNT.

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  • guyrulius
    guyrulius Posts: 54 Forumite
    Have you considered a pre paid visa. Use that for six months for the convenience factor and then reapply for a Capital One.
  • Night-owl_6
    Night-owl_6 Posts: 858 Forumite
    I have a current account with a Visa card but I wanted a credit card to build up my credit rating more as I have 15 settled credit accounts with no late payments.
    The only reason I wanted a Capital One card or Barclays Card was to build up my credit more.
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  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    Try Monument, they seem to help people including the likes of me.
    www.themonumentcard.co.uk
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    have you got any bad credit issues proliant or just the issue with loads of searches as i dont want a search from monument just to get a big fat no!!
    cheers
    you cant change yesterday
    but you can make tomorrow better
  • PROLIANT
    PROLIANT Posts: 6,396 Forumite
    1,000 Posts Combo Breaker
    darcyvuqua wrote: »
    have you got any bad credit issues proliant or just the issue with loads of searches as i dont want a search from monument just to get a big fat no!!
    cheers
    No, just a load of searches but give them a go, they search call credit only.
    Since when has the world of computer software design been about what people want? This is a simple question of evolution. The day is quickly coming when every knee will bow down to a silicon fist, and you will all beg your binary gods for mercy.
  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    i have never checked my call credit file not sure if there is anything good or bad will try tho cheers
    you cant change yesterday
    but you can make tomorrow better
  • darcyvuqua
    darcyvuqua Posts: 2,459 Forumite
    was gonna give it a shot but the link takes you to the page but not currently allowing to apply strange!
    you cant change yesterday
    but you can make tomorrow better
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