<prompt> Human: The title says it all. I applied for a Capital One Venture Rewards Credit Card for having a 766 credit score on Transunion despite the real Transunion score being 810 per CreditKarma and Chase. They also said I have opened too many accounts in the last 2 years but I have only opened 4... Is this a good grounds for an appeal? Im not sure what happened here.Assistant: It is interesting how Capital One bombards people with mail, but yet denies people with high credit scores like yours. I have 641 and Capital One always mails me offers for credit cards.Human: I work with credit cards. There is something he isnt telling us. Capital One is basically a data science company that happens to sell credit cards.He might have been mistakenly denied, to which he should be able to appeal.EDIT: Just saw the opened accounts. Hes a churner. Cap One doesnt want to spend the money giving the churner a bonus for a card they wont get money back on.Assistant: 4 accounts in 2 years isnt churning. Human: I can assure you the credit card companies consider it churning. As in I have had a conversation with someone and that would have been within their threshold for churning.Assistant: I thought the rule of thumb is 524 which I have not met. 2 of these cards fall off the 24 month schedule by August 2018 as well.  <response>: Capitol One has a 16 rule in place.Source: 