@CreditCuriousity wrote:It really comes down to their CS or lack there of CS. Not to mention you get bucketed more then any other lender. Shortest way of summing it up.. Most people on the fourm have had them or have them. The QS is a great great card and the 1.5% hassle fee rewards is painless! With that said their lack of CS and having to goto the EO to get anything done and not providing #'s and having to email or FB them is just bad business IMO. So alot of peopes choices is to not have any Cap1's going forwards, while others choose the CL and the rewards to be worth it. Just preference. They served their purpose to me and I will keep my two as they each have no AF and put a token purchase on them every 3 months each since one is my oldest tradeline, but their are alot better cards out their once you outgrow them.. They are probably the best rebuilder card out there as well though... so love and hate for most
Thanks for the explanation.
I see that I'm in the minority in most of the issues regarding Capital One. I find their CS to be very good (knock on wood!). And in my experience, Capital One has been on par with other banks in terms of the CL (VentureOne $10K, Citi AA $10K, Barclay USAir $7500, Chase Marriott $12K, all of these are new apps from 2015).
Anyway, I'll keep my positive outlook until they do something bad to me. Plus I like Samuel Jackson & Jennifer Garner.
@onstar wrote:
@CreditCuriousity wrote:It really comes down to their CS or lack there of CS. Not to mention you get bucketed more then any other lender. Shortest way of summing it up.. Most people on the fourm have had them or have them. The QS is a great great card and the 1.5% hassle fee rewards is painless! With that said their lack of CS and having to goto the EO to get anything done and not providing #'s and having to email or FB them is just bad business IMO. So alot of peopes choices is to not have any Cap1's going forwards, while others choose the CL and the rewards to be worth it. Just preference. They served their purpose to me and I will keep my two as they each have no AF and put a token purchase on them every 3 months each since one is my oldest tradeline, but their are alot better cards out their once you outgrow them.. They are probably the best rebuilder card out there as well though... so love and hate for most
Thanks for the explanation.
I see that I'm in the minority in most of the issues regarding Capital One. I find their CS to be very good (knock on wood!). And in my experience, Capital One has been on par with other banks in terms of the CL (VentureOne $10K, Citi AA $10K, Barclay USAir $7500, Chase Marriott $12K, all of these are new apps from 2015).
Anyway, I'll keep my positive outlook until they do something bad to me. Plus I like Samuel Jackson & Jennifer Garner.
I can count on one hand how many times I've had to call customer service for ANY cards...ANY banks...so customer service is always low on my list when it comes to how I rate a company.
That being said, I have been able to get everything that I've ever needed done via CapOne's chat. So I haven't personally experienced the horrid customer service that others have. My dealings with them have all been pleasant and painless.
BUT, I see what most people are saying, I understand where people are coming from. Time Warner, I will NEVER use them again, because of their customer service. Never ever ever ever ever.
But, something about this thread bothers me though. Maybe it's the wording. How many people didn't fall for...like we're suckers? We got scammed?
Not only has Capital One been great for rebuilders (which is a LOT of people here on this forum), but then they will extend you a high limit on what is a pretty good card. Decent AF, no FTF, nice sign up bonus, Visa Sig benefits, 2% across the board. A lot of people who couldn't get more then $500 on a card a year ago, now they have a $10,000 card with pretty good rewards. And they read this and are meant to feel bad about it, like they fell for a dirty trick.
@toothgrind3r wrote:
@onstar wrote:
@CreditCuriousity wrote:It really comes down to their CS or lack there of CS. Not to mention you get bucketed more then any other lender. Shortest way of summing it up.. Most people on the fourm have had them or have them. The QS is a great great card and the 1.5% hassle fee rewards is painless! With that said their lack of CS and having to goto the EO to get anything done and not providing #'s and having to email or FB them is just bad business IMO. So alot of peopes choices is to not have any Cap1's going forwards, while others choose the CL and the rewards to be worth it. Just preference. They served their purpose to me and I will keep my two as they each have no AF and put a token purchase on them every 3 months each since one is my oldest tradeline, but their are alot better cards out their once you outgrow them.. They are probably the best rebuilder card out there as well though... so love and hate for most
Thanks for the explanation.
I see that I'm in the minority in most of the issues regarding Capital One. I find their CS to be very good (knock on wood!). And in my experience, Capital One has been on par with other banks in terms of the CL (VentureOne $10K, Citi AA $10K, Barclay USAir $7500, Chase Marriott $12K, all of these are new apps from 2015).
Anyway, I'll keep my positive outlook until they do something bad to me. Plus I like Samuel Jackson & Jennifer Garner.
I can count on one hand how many times I've had to call customer service for ANY cards...ANY banks...so customer service is always low on my list when it comes to how I rate a company.
That being said, I have been able to get everything that I've ever needed done via CapOne's chat. So I haven't personally experienced the horrid customer service that others have. My dealings with them have all been pleasant and painless.
BUT, I see what most people are saying, I understand where people are coming from. Time Warner, I will NEVER use them again, because of their customer service. Never ever ever ever ever.
But, something about this thread bothers me though. Maybe it's the wording. How many people didn't fall for...like we're suckers? We got scammed?
Not only has Capital One been great for rebuilders (which is a LOT of people here on this forum), but then they will extend you a high limit on what is a pretty good card. Decent AF, no FTF, nice sign up bonus, Visa Sig benefits, 2% across the board. A lot of people who couldn't get more then $500 on a card a year ago, now they have a $10,000 card with pretty good rewards. And they read this and are meant to feel bad about it, like they fell for a dirty trick.
I can change the title of the thread if it offends you, was meant as a joke... Kinda against Nixon to be honest cause he kinda got the ball rolling on the app-o-rama of the Venture card.. If you enjoy the Venture card then that is great! I just have a feeling most people applied for it with regards to the big CL's they were giving out.. How many of you actually plan on using it for everday spending after the initial bonus is met? Honestly after the bonus is met the rewards on the Venture are lackluster unless you plan on putting ALOT I mean alot of spend through it. I am just being honest, most people will probably if being honest they got it for the big CL, not what it can really offer them other then that. Just my take and I appologize if the title offended you, as it was not meant to... This forum deffinetly has Cap1 Lovers and haters and always will.
Cap 1 and their triple pulls and lack of CS has just pushed me over the edge along with alot of others... A year or so back before Cap1 started being more "generous" people were stuck with 300-500 CL's and some still are for 5-10 years etc. This is what I mean by bucketing and you have to cancel the product and re-apply to get re-bucketed. Why can't they just grow with you like other CC companies without having to cancel the accoutn and re-apply?
@CreditCuriousity wrote:
@toothgrind3r wrote:
@onstar wrote:
@CreditCuriousity wrote:It really comes down to their CS or lack there of CS. Not to mention you get bucketed more then any other lender. Shortest way of summing it up.. Most people on the fourm have had them or have them. The QS is a great great card and the 1.5% hassle fee rewards is painless! With that said their lack of CS and having to goto the EO to get anything done and not providing #'s and having to email or FB them is just bad business IMO. So alot of peopes choices is to not have any Cap1's going forwards, while others choose the CL and the rewards to be worth it. Just preference. They served their purpose to me and I will keep my two as they each have no AF and put a token purchase on them every 3 months each since one is my oldest tradeline, but their are alot better cards out their once you outgrow them.. They are probably the best rebuilder card out there as well though... so love and hate for most
Thanks for the explanation.
I see that I'm in the minority in most of the issues regarding Capital One. I find their CS to be very good (knock on wood!). And in my experience, Capital One has been on par with other banks in terms of the CL (VentureOne $10K, Citi AA $10K, Barclay USAir $7500, Chase Marriott $12K, all of these are new apps from 2015).
Anyway, I'll keep my positive outlook until they do something bad to me. Plus I like Samuel Jackson & Jennifer Garner.
I can count on one hand how many times I've had to call customer service for ANY cards...ANY banks...so customer service is always low on my list when it comes to how I rate a company.
That being said, I have been able to get everything that I've ever needed done via CapOne's chat. So I haven't personally experienced the horrid customer service that others have. My dealings with them have all been pleasant and painless.
BUT, I see what most people are saying, I understand where people are coming from. Time Warner, I will NEVER use them again, because of their customer service. Never ever ever ever ever.
But, something about this thread bothers me though. Maybe it's the wording. How many people didn't fall for...like we're suckers? We got scammed?
Not only has Capital One been great for rebuilders (which is a LOT of people here on this forum), but then they will extend you a high limit on what is a pretty good card. Decent AF, no FTF, nice sign up bonus, Visa Sig benefits, 2% across the board. A lot of people who couldn't get more then $500 on a card a year ago, now they have a $10,000 card with pretty good rewards. And they read this and are meant to feel bad about it, like they fell for a dirty trick.
I can change the title of the thread if it offends you, was meant as a joke... Kinda against Nixon to be honest cause he kinda got the ball rolling on the app-o-rama of the Venture card.. If you enjoy the Venture card then that is great! I just have a feeling most people applied for it with regards to the big CL's they were giving out.. How many of you actually plan on using it for everday spending after the initial bonus is met? Honestly after the bonus is met the rewards on the Venture are lackluster unless you plan on putting ALOT I mean alot of spend through it. I am just being honest, most people will probably if being honest they got it for the big CL, not what it can really offer them other then that. Just my take and I appologize if the title offended you, as it was not meant to... This forum deffinetly has Cap1 Lovers and haters and always will.
Cap 1 and their triple pulls and lack of CS has just pushed me over the edge along with alot of others... A year or so back before Cap1 started being more "generous" people were stuck with 300-500 CL's and some still are for 5-10 years etc. This is what I mean by bucketing and you have to cancel the product and re-apply to get re-bucketed. Why can't they just grow with you like other CC companies without having to cancel the accoutn and re-apply?
You know, after I posted that I was gonna add "I know I'm taking it all too literal, so I apologize". I'm not offended at all!
I actually do plan on using it heavily. But that's because I want to simplify. Not gonna go into my reasons here though. But it's a good card for simplifying my spend.
But yeah, there's always gonna be strong opinions about Capital One. But I feel like it's the people who are, for lack of better words, most impressionable...the rebuilders who just recently got higher scores and higher limits, who read all about the Capital One hate, and then maybe, again, for lack of better words, feel less proud of how far they've come.
@toothgrind3r wrote:
@CreditCuriousity wrote:
@toothgrind3r wrote:
@onstar wrote:
@CreditCuriousity wrote:It really comes down to their CS or lack there of CS. Not to mention you get bucketed more then any other lender. Shortest way of summing it up.. Most people on the fourm have had them or have them. The QS is a great great card and the 1.5% hassle fee rewards is painless! With that said their lack of CS and having to goto the EO to get anything done and not providing #'s and having to email or FB them is just bad business IMO. So alot of peopes choices is to not have any Cap1's going forwards, while others choose the CL and the rewards to be worth it. Just preference. They served their purpose to me and I will keep my two as they each have no AF and put a token purchase on them every 3 months each since one is my oldest tradeline, but their are alot better cards out their once you outgrow them.. They are probably the best rebuilder card out there as well though... so love and hate for most
Thanks for the explanation.
I see that I'm in the minority in most of the issues regarding Capital One. I find their CS to be very good (knock on wood!). And in my experience, Capital One has been on par with other banks in terms of the CL (VentureOne $10K, Citi AA $10K, Barclay USAir $7500, Chase Marriott $12K, all of these are new apps from 2015).
Anyway, I'll keep my positive outlook until they do something bad to me. Plus I like Samuel Jackson & Jennifer Garner.
I can count on one hand how many times I've had to call customer service for ANY cards...ANY banks...so customer service is always low on my list when it comes to how I rate a company.
That being said, I have been able to get everything that I've ever needed done via CapOne's chat. So I haven't personally experienced the horrid customer service that others have. My dealings with them have all been pleasant and painless.
BUT, I see what most people are saying, I understand where people are coming from. Time Warner, I will NEVER use them again, because of their customer service. Never ever ever ever ever.
But, something about this thread bothers me though. Maybe it's the wording. How many people didn't fall for...like we're suckers? We got scammed?
Not only has Capital One been great for rebuilders (which is a LOT of people here on this forum), but then they will extend you a high limit on what is a pretty good card. Decent AF, no FTF, nice sign up bonus, Visa Sig benefits, 2% across the board. A lot of people who couldn't get more then $500 on a card a year ago, now they have a $10,000 card with pretty good rewards. And they read this and are meant to feel bad about it, like they fell for a dirty trick.
I can change the title of the thread if it offends you, was meant as a joke... Kinda against Nixon to be honest cause he kinda got the ball rolling on the app-o-rama of the Venture card.. If you enjoy the Venture card then that is great! I just have a feeling most people applied for it with regards to the big CL's they were giving out.. How many of you actually plan on using it for everday spending after the initial bonus is met? Honestly after the bonus is met the rewards on the Venture are lackluster unless you plan on putting ALOT I mean alot of spend through it. I am just being honest, most people will probably if being honest they got it for the big CL, not what it can really offer them other then that. Just my take and I appologize if the title offended you, as it was not meant to... This forum deffinetly has Cap1 Lovers and haters and always will.
Cap 1 and their triple pulls and lack of CS has just pushed me over the edge along with alot of others... A year or so back before Cap1 started being more "generous" people were stuck with 300-500 CL's and some still are for 5-10 years etc. This is what I mean by bucketing and you have to cancel the product and re-apply to get re-bucketed. Why can't they just grow with you like other CC companies without having to cancel the accoutn and re-apply?
You know, after I posted that I was gonna add "I know I'm taking it all too literal, so I apologize". I'm not offended at all!
I actually do plan on using it heavily. But that's because I want to simplify. Not gonna go into my reasons here though. But it's a good card for simplifying my spend.
But yeah, there's always gonna be strong opinions about Capital One. But I feel like it's the people who are, for lack of better words, most impressionable...the rebuilders who just recently got higher scores and higher limits, who read all about the Capital One hate, and then maybe, again, for lack of better words, feel less proud of how far they've come.
I am the first to admit that I would be in the place I was today credit wise without Cap1 helping me (keep in mind I still have a long ways to go).
Alot of people just speak out about Cap1 in a bad way so they warn people of the triple pulls or multiple triple pulls if you get two or three of their cards along with the lack of growth if you get a rebuilder. That being said Cap1 on more recent approvals seemed to have changed their policy for the better and these cards are actually growing, which is great! Credit repair is a LONG journey and everytime you can get something better whether it is a jump from finger hut to a Cap1 Unsecured Acct or a Cap1 500 limit to a Cap1 Venture 5k-10k limit that is great and you should be proud of yourself whomever you are, part of the process!
Back to work for me, need to keep paying my CC bills on time so I don't have to rebuild again