capitol one - credit and credit report

Posted on Saturday, November 3rd, 2012 at 9:47pm CDT by acey d.

Product: capitol one credit card

Company: capitol one

Location: Capital One Attn: General Correspondence PO Box 30285 Salt Lake City, UT 84130-0285
SALT LAKE CITY, UT, 84130-0285, US


Category: Business, Finances

The application for the secured credit card just made mine worse. the site states that for a $49 $99 or $200 security deposit, those that are trying to rebuild credit can obtain a secured credit card from capitol one. i didnt want to pay the $200 so i initiated a live chat with one of the representatives. she stated that there were no definite guidelines as to which deposit will be required that she knows of and that it will be based on credit score and other factors. then she went on asking personal questions about my credit history then recommended the same card i was asking about in the first place like that part of the conversation never happened. when i told her thats the card we were already discussing she changed the subject and went on again to the fact that there was no way she can find out which of the deposit amounts it will be so i bid her good day and went along with the application ready to pay whichever deposit it was then BOOM!!!! CREDIT DENIED! what part of the ad was that? Now instead of building credit i have another hard inquiry on my credit report. (thanx capitol one)



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