Hello, I applied for the Cap1 Platinum for people with some credit problems (that is what is calls it on their site) and just recieved my denial letter.It gave four reasons, first it states I owe too much on deliquent accounts, which is strange cause I only have one item from a CA in there that is being disputed I do have two other paid COs. Second it says that I have toomany judgments when I only have one paid one. Also too many delinquent accts, like I said I only have one!! What is the problem. All I want is a low limit like $500 to build some credit. I read on here somewhere that there is a man you can write to that helps people with not so great credit that is an employee of Cap1? Is there any truth to this? If anyone can give me some insight I would appriciate it. thirsty