I had a company credit with Chase so I applied for a credit card with Capital One. I was approved. On September of last year the card I had with Chase was now offered by Capital One. I called to close my Capital One credit card account. I was told that they could not change the credit card I had for the one I wanted. They told me since my credit scores and report were very good I should have no problem getting the new card.
I waited for 3 months to make sure my account was reported as closed to the credit Bureau's. I applied for the new card on the Capital One website. They told me they could not take my application over the phone. I was declined. When I received my denial letter the main reason was that I did not use my other open Credit Card from Capital One. Ever since then every time I reapplied for the card I want I get the same denial letter.
I have spoken to customer support they told me they could not help me with my denial and even though my credit report shows no credit or other accounts with Capital One they say if the letter says I have an open account with Capital One I must have one.
Review about: Capital One Account.