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. In fact, you can qualify for the card issuer's best rewards credit cards with a score of 670 or higher. It's true that a credit score of 800 is more than enough for any Capital One card. If you've found one you like and have excellent credit, you may think you won't have any trouble getting the card. With competitive rewards and 0% intro APR offers, Capital One credit cards are popular with consumers. Maybe by recounting the message out loud, you'll realize how suspicious it sounds.To improve your odds of getting a Capital One card, you should know about the other factors that could affect your application. If you ever get a message or email that you're tempted to return, ask a friend or relative or co-worker what they think.It's easy to spoof a number or impersonate the phone number of a particular company or person. My skepticism applies even in cases when your caller ID might say the call is coming from XYZ Bank or the IRS or someone you know.(We no longer have a landline, so there's no, "Is Teresa there? Oh, I'll get her," and I don't answer my cell phone with my name.) If I got a phone call I wasn't expecting from someone claiming to be from one of my credit cards or bank accounts or investment firms, I wouldn't even confirm my name.And we shouldn't reply to emails we weren't expecting or click on links in emails out of fear that something bad is going to happen. We certainly shouldn't return phone calls we weren't expecting. It's getting to the point where we shouldn't talk to anyone who calls if we weren't expecting the call.It's the threat that the police are coming to arrest us for back taxes, or that our computer is going to blow up because of a virus, or that our grandchild is out of town and needs money, or our bank account is going to be frozen. Bad guys try to get us to put aside our reservations or doubt by saying we have to do something now.(If an old card was compromised in a data breach, we likely canceled it.)
What they may not have is our bank account information or the account number of an active credit or debit card. They often have our names, dates of birth, phone numbers and addresses and even our Social Security numbers.
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