Need Help: Credit Card (rejected from Captial One etc)
 

Hello!

I applied for Capital One Secured MasterCard on May 14th. I haven't gotten any emails/mails from them so I called them up today to ask the status of the approval.

They told me I was rejected and that they are sending the reason through mail.

Few weeks ago, I mailed Experian(Credit Bureau) for my credit score and they sent me an email about 3 days later saying they can't find my information cause I have not established any credits (which made sense in a way).

My brother on the other hand was able to apply for Discover it for student through his invitational code that was sent from his school.

I already graduated college and I have no way to obtain that code nor apply for student cc.

Is there any other cc that I can try applying to?

I heard everyone gets accepted by Capital One Secured Mastercard and yet I got rejected for some reason. I will update on why I got rejected once I get the letter but I'm sure its cause I didn't have any credit establishments (How could I have? lol)

So let me know if anyone can lend me an advise or two.

Thank you.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Firstprogress.com will approve anyone. I have more than 6 months with it and my credit score is over 700

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Thank you!
The website seems to be down for some reason.
Its not loading for me but I will look into it!
First I want to mail and check if those three major credit bureau have my information in their system.

After that, definitely will try! Thanks a lot!

Let me know if anyone else have other advises. Thank you so much for helping!

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Sounds like you're a bit too desperate to get a credit card. Go to annualcreditreport.com and pull your credit report, if none of the credit bureaus can provide you with a credit report, then mail in the form, its free. What i just wrote on the previous sentence could be a sign that you just got your social and there's no way you're going to get approved for a traditional credit card because of the lack of history. Go to your local bank and apply for a secured credit card. If you don't want to do that, then i suggest you wait it out and apply for another credit card at a later time.

Also, check out creditkarma.com, If you can't even pull a creditkarma query then you're out of luck for the time being.


firstprogress.com is a secured credit card. Also You must be a resident of a US state; however, at present the program is not available in Arkansas, Iowa, New York, or Wisconsin.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Not sure if I am "too desperate" but yeah I do want to get this done asap.
I can wait a month or two if that's what it takes to get it done.

But thanks for sharing, I will check the local branches.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Just checked the creditkarma you informed me about and it gives me:
Your personal information could not be verified. Please check your information below and ensure it is correct. You can find some tips about what might be wrong on the right side of this page.

I guess I have to wait or mail the credit bureau for further instruction.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Just do what I told you...what state do you reside?

I was skeptical about firstprogress.com at first. I filled out their online application and submitted my deposit. They called me a week later to verify my address. I got my card 3 days after verifying my address. I used every month and paid every month. After 3 months, I was able to see my credit score. I noticed that they actually did report to the 3 credit agencies since first month.

I was also rejected for the capital one secured. I applied again to the same capital one card and was approved after building credit with that firstprogress card. I also applied to bank of America and was approved.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

NYC.
Well its a relief that I'm not alone on this case though. Glad you got approved.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Yeah dude, if creditkarma can't pull your info, that means there's no history AT ALL, which means that you have to go to a secured credit card, no way around that, GOOD LUCK

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Is there a reason you wanna get in debt that soon??

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Check out this US Bank card, unlike firstprogress it has no annual fee and is also made for people who have no credit:

https://www.usbank.com/cgi_w/cfm/per...HD_secured.cfm

Seeing how no one else was able to verify you. What most likely will happen is that they will ask you to fax/mail in in proof of address and copy of social. Then they will approve you and it will start reporting to the credit bureau.

I got my USC friend a secured card 8 months ago. Now he was able to get 5 credit cards just this week after only 8 months.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

I'm not sure if you still need help but if you have relatives (parents, aunts, uncles, etc.) that have great credit you might want to ask them to add you as an AU to one of their cards. From my understanding this will not only give you a credit history but also you'll piggyback off of their scores. You can then go on to open your own account and you should be approved. If this isn't an option then maybe you can have your brother add you as an AU. If he's not great with managing money then I'd steer clear.

I don't know how secured cards work but if you had to enter an income DON'T EVER ENTER ZERO. I've only been denied credit once and it was because I said I was a student with zero income.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Couple of things on this as i went through the same thing:

- The letter they send you states a reason why they could not approve you. If the reason was that your SSN "was not valid" (my case), you CAN call them up and send a copy of your SSN to them. I got rejected at first but then approved after i sent them a copy.

- If you want to check your credit on creditkarm per example, you will have to wait a couple of months after you get your SSN. It just takes a bit of time before they recognize your SSN and starts tracking your credit.

- Don't go applying to 5 different credit cards as all that will impact your credit history. Like somebody else said, if your parents have a CC already, just apply to be a "dependent". You will most likely get approved.

- Obviously, having a job will impact the decision on whether you get approved or not. If you don't have a job, a secured credit card is your best bet to start your credit.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Yeah I don't mind getting secured credit card. I said I already tried for it and got rejected.
I was asking for next step or to get any sort of cc.

Well I want to raise my credit score. I don't need money.

--

Anyways, Thanks a lot for the help everyone.
I will try for the dependent method and also talk to the local banker.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

I will update if I get the letter that states the rejection letter.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

i apply for capital one a day after i receive my social and i got reject so then i decide to apply for american express and also got reject so apply the same day to discover and they ask me for proof my social and a utility bill i got approved but they did call me work, i guess to verify if actually work there. so i got approved two days after a receive my social i thought it was going to take longer but i am glad it did not.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Try Bank of America secured credit card.
It seems like a lot of people are anti-credit card here. But it's important when you need to buy a car, a house, or apply for some jobs. My mom never feel the need of it until she need to get a denture. She could pay for it by cash but they need credit. And you see you cannot build credit overnight. It's better to be prepared.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Its not that we're anti-credit card. Its the fact that we know what it takes to get one, and DREAMERS are susceptible at not getting approved due to the age of the Social and lack of credit history.

also, a lot of DREAMERS are young and therefor lack the knowledge to actually take care of a credit card. I know its pretty straight forward right? You get the credit, you use it and then you pay it off. But things aren't always that way. Hey there's this cool new toy that i would like to purchase, and what do you know.. i have a credit card!!! so they proceed to acquire such thing. Hey i only have to pay 31 dollars a month!! COOL!!! so you make the minimum payment, until things get tough because of unknown circumstances. UH OH!! we're in trouble, that's ok though. I'll keep making the minimum payment!!! and you keep adding more shit to the credit card until you cap it off.

So in a way its good that you guys aren't getting approved right off the bat. Get a secure source of income, and then proceed to borrow money. YES even if you're going to school a job can be acquired.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

I applied for a Journey credit card from capital one it's a student credit card, they gave me a $500 limit line and i got approved instantly. That is the first card that I have. Another one I have is from barclaycard, one of my friends is a permanent resident and he agreed to get a credit card so I can finance my macbook through that, they instantly approved him for a $1,700 credit line, and he added me so now we kinda both share the card, but I use most of it and pay it off under his name but now since he added me I believe it affects both of our credit scores.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Thanks for the advises. But I know how to take care of CC. Like I said I'm not doing it for the money but to build credit. "Desperate" just wasn't the word here.

Anyways Thanks for the concerns and advises.

Thanks guys I will refer back to these postings once I get the letter and have stuffs sorted out.

Thanks a lot!

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Thanks for the information!

My sister was denied by Capital One and I believe it is because they could not verify her information. We're waiting on the letter in the mail to be 100% sure. I called to check my application status and I was approved, but was told they needed me to fax a copy of my SSN and DL to verify my identity.

Neither of us have a credit history, so I think it was just random that she was denied and I happened to be approved.

How did it turn out?

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Yeah I applied for capital one secured card and got denied but I replied like a week later and got accepted. The reason was because I put that I earned little income and then I lied the second time and got approved. After having the card for 6 months I get a regular card offer from capital one that I been pre-approved. I applied by phone and was approved instantly for a $500 credit limit and now I am waiting for the card in the mail.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Building credit is important to get mortgages etc. The longer your track record is with solid history, the better you are off later in the future. Like driving it's all about being responsible

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Precisely this is what I told my mom because she was hesitant about me starting credit because she thought I was just going to get into debt that I won't be able to pay.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Completely agree. We have to start thinking long term. I know friends who have long credit histories because their parents put then down as an authorized user and were responsible with payments. Now they have 750 -800 credit scores and can get favorable interest rates on things like car loans and mortgages. Good credit SAVES money, no credit does nothing for you.

As long as you make sure to keep your utilization under 30% and always be on time with your payments, credit is incredibly valuable especially since we are not eligible for federal loans and may need to get private loans if we can't work while going to school.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

My mom's more worried about identify theft. Regularly check your online account to make sure all the transactions were initiated by you. I had 2 incidents where I had unauthorized charges on my account. In my case it wasn't that big of a deal since the person who stole my credit card number used it for an online purchase.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Damn that sucks getting your info stolen. Since I gotten my card I been on the look out for discrepancies on my record. I don't want to get my identity stolen now that I have one. lol What did you do to make sure this doesn't happen to you again?

Re: Need Help: Credit Card (rejected from Captial One etc)
 

The bank issued me a new card number, and I have a faint idea who it might have been. This happened the same week I was doing my road practice with a driving school. The instructor would call someone on his cell and read off my card number to the person on the other line. He also wrote my credit card number on the receipt he gave me which he kept a copy of. I wouldn't be surprised if it was either of the two or someone who found his receipt laying around somewhere. I'll never know though since the bank took care of it and only told me that my dispute has been successful.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Must have been one of the 2 and at least that problem was resolved. Yeah be more careful with your personal info you wouldn't want to get your identity stolen. It would be ironic though if a Dreamer gets his identity stolen since they went all their life without one and now they have one and bam it's stolen.

Re: Need Help: Credit Card (rejected from Captial One etc)
 

I applied for capital one card for new comers about 2 weeks ago. Just got a mail this week saying that my home address did not match with one or more consumer credit reports. It was just making sure that it wasn't identity theft. i was confused and tried calling all three companies (Equifax, Experian, and Trans Union) but got nothing. It wasn't a letter of rejection or anything. It says that a decision would be made soon.

Last week, about 2 days after applying to capital one, I went to the nearest Bank of America and I was approved for a $500 limit Cash Rewards Credit Card. Today I received a mail saying that my request for a credit card has been accepted and my credit score is : 660 (According to Experian)
But I did not get the actual card yet. Soon..

Re: Need Help: Credit Card (rejected from Captial One etc)
 

Considering how some might be using a 'fake' SSN, it would be ironic...

Either way, lately I've been paying with a credit card I have since I think it's safer to dispute charges than with the debit card. In fact, I was charged for not using my debit card at all last month. Go figure.