"They Gave Me Another Chance"
Capital One® Classic Platinum Credit Card Review
Written by: rwmtd on 2010-05-12
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rwmtd's review: 
I had a capital one card over ten years ago. So I decided to reapply and lo and behold I was approved. Mind you I applied for the secured card (and yes you can be denied a secured as well) I was suprised when I saw that I had been approved. I am still rebuilding my scores are rising bit by bit and they are exp 620, trans 600 and EQ 650.
Called customer service with my deposit info and I should be getting the card in the next couple of days.
I had a capital one card over ten years ago. So I decided to reapply and lo and behold I was approved. Mind you I applied for the secured card (and yes you can be denied a secured as well) I was suprised when I saw that I had been approved. I am still rebuilding my scores are rising bit by bit and they are exp 620, trans 600 and EQ 650.Called customer service with my deposit info and I should be getting the card in the next couple of days.
8 Comments
Comment 1 by atthelake1
Re: They Gave Me Another Chance 
on 2010-05-12
I am surprised you didn't check the pre qualification page to see if they would approve you for a regular cap one card first. I am saying that b/c your scores are fairly decent.
on 2010-05-12 I am surprised you didn't check the pre qualification page to see if they would approve you for a regular cap one card first. I am saying that b/c your scores are fairly decent.
Comment 4 by rwmtd
Re: They Gave Me Another Chance on 2010-05-13
Thanks everyone. @atthelake1 - I didn't want to take the chance I guess so I went for the secured.
@Meya, it is good to be back!
on 2010-05-13 Thanks everyone. @atthelake1 - I didn't want to take the chance I guess so I went for the secured.@Meya, it is good to be back!
Comment 5 by joeyman
Re: They Gave Me Another Chance on 2010-05-16
Maybe they'll send you a pre-approval offer down the road for a regular card? I got a pre-approval offer from them back in December and applied, got it with a $1k limit (already $1.5k limit). I had 15 months credit history with scores from 680-712.
on 2010-05-16 Maybe they'll send you a pre-approval offer down the road for a regular card? I got a pre-approval offer from them back in December and applied, got it with a $1k limit (already $1.5k limit). I had 15 months credit history with scores from 680-712.
Comment 6 by kforbes86
Re: They Gave Me Another Chance on 2010-05-17
I wouldnt mind having a capital one card again, but I had a charge-off with them close to 5 years ago, and I don't want to apply and get denied because of the past charge-off.
on 2010-05-17 I wouldnt mind having a capital one card again, but I had a charge-off with them close to 5 years ago, and I don't want to apply and get denied because of the past charge-off.
Comment 7 by wanderer
Re: They Gave Me Another Chance on 2010-05-23
Fingers crossed. I had Capital One deny me for a personal credit card due to a chargeoff and BK 8 years ago. Good to know there may be an opportunity for a second chance. On the business side. Capital One gave me two accounts with CL's of $10.6K and $6K CL. So, I know they can be good to the account holder!
on 2010-05-23 Fingers crossed. I had Capital One deny me for a personal credit card due to a chargeoff and BK 8 years ago. Good to know there may be an opportunity for a second chance. On the business side. Capital One gave me two accounts with CL's of $10.6K and $6K CL. So, I know they can be good to the account holder!
Comment 8 by vingstar
Re: They Gave Me Another Chance on 2010-08-21
IF you already have a secured card with them, is it possible to get a 2nd one?
on 2010-08-21 IF you already have a secured card with them, is it possible to get a 2nd one?
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Disclaimer: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One. Review content is powered by Finance Globe.
