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![]() If the denial was not due to Capital One's application rules, you can try calling for a reconsideration. Even when you have a great credit score, there could be other reasons, such as too many recent applications for other credit cards. Those aren't the only reasons Capital One would deny your credit card application. If you did, your only options are to increase your income or find a Capital One card with lower income requirements. If you didn't, you can call Capital One to correct your reported income and see if that gets you approved. Your income wasn't high enough: Make sure you included all forms of eligible income on your credit card application.You're at the Capital One credit card limit: You'll need to cancel one of your Capital One cards if you want to add a new one.You've already applied for another Capital One card in the last six months: Wait until six months have passed, and then try applying again.How you do that will depend on what the problem was. If you couldn't open a Capital One card because of its application rules, the only way to get approved is by correcting the problem. What to do if Capital One denies your application You need to pass these rules for Capital One to approve you. Like the application rule, you can't get around these restrictions, regardless of your credit score. If there are any credit card limits or income requirements, you'll find out here. You'll see a list of what can disqualify you from getting that Capital One credit card. Just visit the card's page, go to the "Rate and fee information" section, and then scroll down to "Additional Disclosures & Terms and Conditions." You can find the exact rules for the card you want on Capital One's site. Note that Capital One reserves the right to deny your application for insufficient income even if you meet these requirements. For others, your monthly income must be at least $800 greater. Minimum income requirements: For some of its cards, Capital One requires that your monthly income exceeds your rent or mortgage by at least $425.With others, you'll be ineligible if you have two or more Capital One cards. Credit card limits: With some cards, such as the Capital One Venture Rewards Credit Card, you'll be ineligible if you already have five or more Capital One cards.The tricky part is these rules vary depending on the Capital One card you want. A high credit score won't get you around this restriction.Ĭapital One also has rules about the maximum number of Capital One cards you can have and the minimum income requirements for its cards. There's one Capital One application rule that applies to all its credit cards: You can't make more than one application every six months.Īfter you apply for a Capital One card, you need to wait at least six months before applying for another, regardless of whether Capital One approved you or not. To avoid wasting your time, it's important to know what these reasons are. Capital One could deny you for reasons that have nothing to do with your credit score. ![]() However, there's more to the application process than that. More: Save while you pay off debt with one of these top-rated balance transfer credit cards Save: This credit card has one of the longest intro 0% interest periods around
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