Credit Card Applications Denied

intparent
Sat, 09 Jan 2010 23:36:16 +0000

I did write the CEO and cc:ed the President of the credit card division. I was clear on (1) what the customer service issues were that I encountered, and (2) what would satisfy me as a response from Capital One.

I don’t require that they give me credit, but I would ask that they actually have a give and take underwriting conversation (why do they think my mortgage progess is unacceptable? Do they have an accurate picture of how my mortgage is set up and the LTV ratio on the property? Can I apply for a card one level down and be approved? If I reduce a credit limit on another card, would they then issue a card?).

I am not holding my breath, though. I am not a current customer; if I were, I would expect some kind of response, but right now I am just someone who applied for credit with them and was denied. Get in line with a whole lot of other people…