I recieved a letter from "J. Christopher, Senior Vice President" of this company telling me I was pre-approved for a platinum visa - "This card is perfect for everyone--even those who may have little credit history or even had credit problems in the past." - MONTHS after I filed for bankruptcy.
I went to their website and put in my information for the loan and my pre-approved invitation was denied! How can they send me a pre-approved offer then deny it? Doesn't that mean it really was not pre-approved! Which means they lied in their letter to me! This clearly demonstrates that the US FCRA rules were clearly not abided by.
Of course, when I tried to reach Mr. Christopher @ VISA I was told that he was much to busy to speak with me which is why his contact information is not included in the letter. My only recourse was to send a letter to Customer Service... why would I do that when I know it would just be ignored.
Is the credit critical to me - NO. I only applied because I am trying to reestablish my creditworthiness even if it means I have to accept a 23.90% rate. Am I angry about the fact that after making the agonizing choice to file for BK in an effort to "right my ship" and spending the Thousands of $$$ necessary to do so, that an "application" for credit which was denied will now be added to my credit reports and thereafter used as evidence of my supposed irresponsibilty - Hell Yes!!!
Companies should not be able to make blatant deceptively false offers and should be ashamed of themselves for doing so!
Shame on you VISA / Capitol One Bank!!!