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Valued Member
starboundphoenix
Posts: 41
Registered: ‎07-25-2012
0

Re: Capital one PC SUCCESS!!!!

No luck on either one. . .

Starting Score: EX: 652 FICO | TU: ??? FICO | EQ ??? FICO
Current Score: EX: 760 FICO | TU: 737 FICO | EQ: 754 FICO
Goal Score:      EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
Venture, BCP, Zync, USAA AMEX, Freedom, Forward, NFCU Flagship, Discover, Barclay, Mil Star, United Explorer

Contributor
tboy1977
Posts: 221
Registered: ‎07-11-2012
0

Re: Capital one PC SUCCESS!!!!

I have a secured card.  Do you think I could lose the annual fee?

 

How did you get a Chase......even if flat.  I want that card.

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: EQ 456, EX 534, TU 411 (Aug 2012) FICO (8/2012 -- EQ 564, EX 584 (from BofA) TU 551)
Goal scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 30% APR auto loan (Jan 2012), Secured [CapOne (3K), PNC (1300), NFCU (1K), Coke (2500)] and Target (200)
Senior Contributor
jsucool76
Posts: 3,217
Registered: ‎12-11-2011
0

Re: Capital one PC SUCCESS!!!!

I doubt they'll drop AF on secured. Best I've heard them do is give a small unsecured CLI (usually $100-$300
Contributor
tboy1977
Posts: 221
Registered: ‎07-11-2012
0

Re: Capital one PC SUCCESS!!!!

I'm already at $3k, so I doubt they would do anything.  My Coke and NFCU cards have no annual fee, so while Cap1 is at $29, I wish I could grow the card in some way

Starting scores: EQ 420, EX 421, TU 405 (Jan 2011)
Bk Ch 7 Discharged Mar 2011
Current scores: EQ 456, EX 534, TU 411 (Aug 2012) FICO (8/2012 -- EQ 564, EX 584 (from BofA) TU 551)
Goal scores: EQ 700+, EX 700+, TU 700+

Credit accounts: 30% APR auto loan (Jan 2012), Secured [CapOne (3K), PNC (1300), NFCU (1K), Coke (2500)] and Target (200)
New Contributor
heathuhhhhwebbbb
Posts: 163
Registered: ‎10-18-2012
0

Re: Capital one PC SUCCESS!!!!

So far....I'm already annoyed with the conversation:

 

Chat InformationHi and welcome to our Capital One chat service! One of our Account Specialists will be right with you.  Your chat may be monitored and recorded. 

Chat InformationYou are now chatting with Jeffery

Jeffery: Thank you for visiting Capital One. I'd be happy to help you with your account questions. Whom do I have the pleasure of chatting with today?

you: XXXX

Jeffery: Hello XXXXX.

Jeffery: How may I assist you today?

you: I was wondering if I could get someone to manually review my credit card profile to get it PC to a card with no AF.

you: I am not eligible via the modify your features link on the website.

Jeffery: Could you please be more specific?

Jeffery: Just to clarify do you wish to know more options on modifying features on your account?

you: I wanted to get a product change from my Plainium Mastercard that has an AF to one that does not have an AF.

you: I was not sure if there is a certain department I should speak to in order to get a soft pull on my credit report for review in Product Changing.

Jeffery: Yes, you can apply for a new card and I will be glad to help you with the link to select a new card.

Jeffery: Would that be okay?

you: No, I don't want to apply for a new card, I wanted to upgrade my current account to a new card.

you: I have already applied for a Cash Rewards card and gotten approved, but I wanted to PC my current Platnium card.

Jeffery: Thank you for clarifying.

 

COME ON!!!!

09/2013: TU FICO 692, EQ FICO 698, EX PLUS 709. No apps until December 2014!
Freedom: $1500 Cap1 Plat: $2000 Cap1 Cash: $1500 Barclays: $4000 Walmart: $2700 GE Luxury: $4800 Jared: $1500 Davids Bridal: $1500

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