Capital One Credit Card Complaint

Capital One Credit card department,

Credit determination New York

I applied for a credit card from Capital One Bank ( USA ) , N.A . and was refused. The - ( - ) reasons they gave to refuse issuing the card were that : 1 ) " based on my credit report from -, too few or no revolving accounts have a balance. '' My letter to them informed them why that is so - " I pay my credit card bills every month in full - generally on the day the bill arrives in the mail. '' 2 ) " based on your credit report from -, there are too many new revolving accounts. '' My letter to them informed them that " I have no new revolving accounts. The last account I opened was probably at least eight ( 8 ) or nine ( 9 ) months ago. And, in fact I have only - ( - ) revolving accounts that are in active use. '' 3 ) " Based on your application information, income is insufficient for requested credit. '' My letter to them informed them that " my income - approximately - per year ( I am retired ), plus having over >= $1,000,000 cash


One Bank ( USA ) , N.A . is refusing to issue me a card because I pay my balance in full every month. That 's no reason to refuse to issue a card and should not be allowed. My credit rating is about as good as you can get, and always has been. I do n't need a Capital One Bank credit card - in fact, I recently received in the mail an unsolicited offer from - - to apply for their card which I did, and was approved for immediately without issue. However, I am stunned and angry that Capital One would continue to deny me a credit card after I pointed out to them that their reasons were totally incorrect. That card offers several unique benefits and I want that card issued to me.