Capital One credit card letter?

I recently applied for a capital one credit card and was denied due to %26quot;too many delinquent past or present credit obligations%26quot; At the bottom of the letter it says %26quot;If you feel you have additional information you wish to submit to us that might influence our decision, feel free to write us........blah blah. Is it worth trying to write them back to change their minds or is the decision already made. I have copies of my credit reports and I owe under 1500 all together. Most of which are hospital bills. I am due to have a child any day now and i would like to get a credit card to pay off my outstanding debt. I have a steady job and could easily pay the card off every month. Would anybody be intrested in writing this letter for me because I really don%26#039;t think I would do a good job on it...lol. If not would someone help me write one?

Capital One credit card letter?

No ,it will not make a difference.

BUT, what do you mena you want to get a credit card to pay off your debt? Do you have any idea how foolish that sounds?

You pay off debt by sending in money, not by moving it to another card!

Capital One credit card letter?

Writing a letter probably won%26#039;t do you any good. However, since you were turned down for credit you are entitled to a free copy of you credit reports. There should be a number to call on that letter somewhere to get the copy. I would send for it and see exactly what is on your report that is hurting your credit.

Capital One credit card letter?

That makes no sense..you want another credit card to pay off past debts? That isnt%26#039; going to help, just send in money as you get it...

Capital One credit card letter?

You are a bad credit risk by their criteria; no amount of additional information will change their minds.

And I believe they are correct, seeing as how you want a card so you can pay off medical bills. Rather than getting a card, work out a payment plan with your creditors.

Capital One credit card letter?

I would just try another credit card company.

Capital One credit card letter?

You may have a chance if you can show that your credit payment issues where in the past and that for say the last two years everything has been paid on time . You might show that you were out of work at the time the delinquant payments occured .

You should be able to arrange a payment plan with the hospital. Many are aware of the financial problems that people can have and will often work with you to get them paid off.

Capital One credit card letter?

you don%26#039;t need a credit card us cash.