10-17-2013 03:21 PM - edited 10-17-2013 04:29 PM
Capital 1, no more. Even after rebuilding my credit to the point where I`m getting instant approval for World cards at 15k and Amex they still refused to graduate my secured card. GE and Barclay have been very good to deal with.
I was under the impression that Cap 1 doesn't graduate their secured cards (or that its fairly difficult to do and requires going through the EO for a product change). It has nothing to do with your credit or anything. My understanding is their general policy is to keep the card secured and expect the customer to apply for a prime card and cancel the secured card once their position has improved.
10-17-2013 05:19 PM
HSBC, Capitol One, and Wells Fargo are all pretty much up there in the "never again" category for me.
I can honestly agree, WELLS FARGO will never get any business from me and neither will HSBC. stay away, you have been warned lol
10-17-2013 10:24 PM
10-17-2013 11:47 PM
Please on both sides try to keep it civil and be constructive. I'm not sure of all the details on your situation young, but I know banks get jumpy with huge amounts of charges going through their cards if it doesn't match up with income etc. I saw a post of yours where you ran into an Amex FR and it could be a similiar situation to what you had back then. However, I don't really know the details and therefore have no idea what triggered your problem with Chase. It is annoying when lenders take actions like that, but unfortunatly it happens from time to time. I don't blame you for feeling hostile towards Chase after going through something like that.
10-18-2013 01:42 AM
You got some freaking nerve u don't know me... I don't have to prove nothing to u or anyone of this forum. I own my own business and FYI my business banker at the local branch loves my family... She has been visiting my parents store in the local shopping center for the past 10 years. Risk perspective they said my credit grew to fast. I don't give a **bleep** I don't need them. I don't know who the hell u think u are... I told everyone my experience that's how I feel. I didn't lie and I take accountability for my actions. U got some freaking nerve to tell me that. You don't even know me.
The business banker has no authority nor is she properly trained / educated in risk management. Her opinion of anyone has little to do with anything. Given the nature of her job, she should be pleasing to everyone just so she can have more clients, and thus make more commission in return. No client likes to deal with an **bleep**.
Given that you have run into issues with Amex as well (as posted by red), it seems that you do have a problem. Whatever the underlying reason may be, it's best to correct that just so it will not happen again in the future.
And I get why you are upset. Napplegate went a little too far by calling you out as a liar. It was a bit uncalled for, and he probably jumped to the wrong conclusions based on very limited facts.
10-18-2013 05:48 AM
10-18-2013 05:55 AM
10-18-2013 06:02 AM
10-18-2013 06:24 AM - edited 10-18-2013 06:42 AM
They said based on my age they are willing to extended me that credit right now and to try back in a few years.. Lol I was like are u serious !!!!
I obviously don't know you all that well so take this with a grain of salt, but superficially, based on the few posts you've already made, you do give off a very immature, unstable impression. That's not to say you might not be a wonderful person in real life, but a little grooming and maturing and trying to interact with people (or just lenders) on a higher than phone chat level might work worders for your future interactions.
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