My sister recently finished grad school and was looking for my advice on a credit card with better perks than the old ones she currently has. She has a credit score of 770, average credit age of over 4 years, never missed a payment, no balances, etc. At my recommendation, she applied for the Capital One Venture card and was denied. They refused to give her any information until her rejection letter came in the mail. When it did, it said she was denied “Based on your credit report from Trans Union, length of credit history”. Her history is over 4 years, on average, according to her TransUnion credit report. Capital one doesn’t have a recon line that I’m aware of, so I had her call these two numbers:
Application Services: 800-625-7866 General Customer Service: 800-951-6951
She called and spoke with a rep and then also a supervisor who both refused to give her any information and told her that the reason she was denied is confidential. She kept pushing, politely, but they gave her zero information whatsoever and the supervisor just read from a script and kept repeating the information is confidential. I’m pretty well-versed in the world of credit cards and have never heard of anything like this, especially considering her strong credit. Any idea what’s going on here and what she can do about it?