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Had my oldest CapOne card for 40 months, have gotten 2 CLI's both auto in the first year because of the steps program, No AF. Have pushed over 3000 though the 2k limit in a single month. Have done PIF, and carried a balance, always paid many times the minimum wage each month, No lates on any credit account ever, Still CLI's are refused and no new auto-CLI's, Only keep it because of no AF, and only 11% interest which is excellent for a near rebuilder card along with zero fee BT's. No offers ever to upgrade. There Customer service is decent if you dont'e expect CLI, they are there to resolve lost cards and possible fraudulent charges.
Capital One instant for 10k???? Since when lol....what are your scores and do you have direct deposite with them?
@CreditChampion wrote:Capital One instant for 10k???? Since when lol....what are your scores and do you have direct deposite with them?
Nov. 2011. High 700s. Direct deposite? Nope. Capital One Venture One instant approval $10,000. 0% 12 months, then 13.99%. 10,000 bonus miles.
@CreditChampion wrote:Capital One instant for 10k???? Since when lol....what are your scores and do you have direct deposite with them?
818 Fico with $100K deposited in a low interest bearing 5 year CD with 3% surrender penalty. j/k
Sorry, couldn't resist.
These Cap One rips never get old, but I've always had a good experience with them. I've never asked for CLIs, nor have I ever had to call customer service for anything.
@Open123 wrote:
@CreditChampion wrote:Capital One instant for 10k???? Since when lol....what are your scores and do you have direct deposite with them?
818 Fico with $100K deposited in a low interest bearing 5 year CD with 3% surrender penalty. j/k
Sorry, couldn't resist.
These Cap One rips never get old, but I've always had a good experience with them. I've never asked for CLIs, nor have I ever had to call customer service for anything.
I want to be you, but until then I have to deal with no CLIs... ... ... etc.
They love telling me they are a conservative lender. A conservative lender does not lend to people with damaged credit history is the only replay needed when they say that.
Cap 1 sucks with cli's, don't get your hopes up.
@migliogiorni wrote:Cap 1 sucks with cli's, don't get your hopes up.
I think your odds of getting struck by lightning are a thousand times more likely.
It's been well established by now that Capital One is the big daddy of subprime lenders, but they still maintain a portfolio of prime customers. Never ceases to amaze me that people still act all surprised that some people can get a nice starting limit and no fee card from them. Guess it's one of those "why let facts get in the way..." things, a lot are just too used to dealing with their subprime products.
I'm looking to purchase my home in november. although I'm dept free I'm haveing the hardest time getting my FICO score up.
I've been with Capital One for two yrs never late on a payment and they havent Increase my credit limits yet. what should I do. I have ask them about it and they said they couldnt raise it at this time. WHY IS MY ? I HAVE NEVERRRR BEEN LATE