Your Capital One Platinum application may have been denied for various reasons. Having too much existing debt or too low disposable income, or even having too many hard inquiries on your credit report could result in a denial.
But if you were denied for a Capital One Platinum card, you still have options. If you think something about your application needs explaining, or if your situation has changed, you can request a reconsideration by calling Capital One customer service.
The credit score needed for the Capital One Platinum Credit Card is at least 640. The Capital One Platinum Credit Card is also available to people with limited credit history, which means you may be able to get approved even without a credit score.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Capital One Platinum Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Capital One Platinum credit score requirement. You can check your credit score for free on WalletHub.
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