Number of Bank Cards Number of Inquiries Insufficient Monthly Payment Obligations Too many active accounts Their decision was based on Experian report. They pulled all three. Score was a 778 when I checked today at www.creditexpert. I agree with too many bank cards, number of inquiries, and too many active accounts. I do not understand the insufficient monthly payment obligations. Why then would I be automatically preapproved to accept another card at $6 a month totaling $72 a year at 19.8%. This is a sign your name and receive a card with 200 - 1000 limit? Thank you for your interest in a Capital One credit card. We regret that we are unable to extend you the credit terms you requested, but we are excited that you have qualified for a pre-approved account with alternate credit terms. Too many bank cards and active accounts, yet they will send a low limit, high fee, and interest card out.