I used to get pre-approval paperwork and emails (I have a Capital One credit card) damn near weekly for vehicle loans. When I finally decided to attempt to use them for a vehicle purchase, I sent in my application online and was denied. Makes no sense since like you, I was in the mid-700 range on my credit reports.

I was pissed about being denied so I turned back to Navy Federal. I was approved for $25k instantly even though I only asked to borrow $20k. The only reason I still even have my Capital One credit card is that the CC department has always treated me well.