Well after further review, CreditKarma is not reporting me right..
It says on their website they get their info directly from Transunion and for some reason when I try to get my free annul report from Transunion it tells me they can't verify me even though I know I am entering the correct info.
CreditKarma is reporting that I have 0 credit cards and when I use their simulator to add one with a 4k balance that I have had since 2001 with never a late payment it rates me at over a mid 700 credit score...
I just ordered my credit report at Transunion along with my credit score (cs costs 7.95) and if they do not show my credit card on their report I am going to dispute my info with them since the other 2 reporting agencies show the CC on my report so obviously Capital one and the cc's that I am given choices to acquire is going by my Transunion report and rating me low as a result....
It may take this process a few weeks but when I know something I will report back... An accurate mid 700's cs is good enough for me