Assistance in understanding this letter from CapOne

[taxi818]

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@Anonymous wrote:

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@resilient wrote:
no offense taken jfriend33. I got my discover card a year ago, so unfortunately I don't qualify for the double cash, smh. With Citi, I just applied for the Sears MC a week ago and was approved, and I think I may be at my max with them; they gave me $6k. I'm in the Army, and I also applied for my government travel card with Citi within the same month, so that could've had something to do with it. I really just wanted the QS to have a good CapOne card. I was hoping they'd convince me their name wasn't Crapital One anymore lol

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Good I was worried, lol.

If I were you...and this is a stretch... but unless you really really really want and need it, and want 100% certainty to have a card you can max out no ifs ands or butts....otherwise, you have a GREAT selection...CSP, SPG, couple Amex, bangin' 38k limit, etc.

Id go thru each card, see if u can get all aprs lowered if they arent in a promo.

You may benefit from a chase freedom when the signup bonus is 200-300 and send those as UR to your CSP....I kinda like how those two work together despite my hatred towards chase.  not sure how many new accounts you have or if that would hinder your ability to get a freedom though.

Jealous of that walmart discover, wish I had one for sams...

Sorry, not to sound judgy or anything....but ya, they denied you, forget them!

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Jfriend33. They got rid of the walmart Discover last August. Does not exist anymore. It is now a mastercard. looks like he just did not change siggy.

[resilient]

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@Anonymous wrote:

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@resilient wrote:
no offense taken jfriend33. I got my discover card a year ago, so unfortunately I don't qualify for the double cash, smh. With Citi, I just applied for the Sears MC a week ago and was approved, and I think I may be at my max with them; they gave me $6k. I'm in the Army, and I also applied for my government travel card with Citi within the same month, so that could've had something to do with it. I really just wanted the QS to have a good CapOne card. I was hoping they'd convince me their name wasn't Crapital One anymore lol

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Good I was worried, lol.

If I were you...and this is a stretch... but unless you really really really want and need it, and want 100% certainty to have a card you can max out no ifs ands or butts....otherwise, you have a GREAT selection...CSP, SPG, couple Amex, bangin' 38k limit, etc.

Id go thru each card, see if u can get all aprs lowered if they arent in a promo.

You may benefit from a chase freedom when the signup bonus is 200-300 and send those as UR to your CSP....I kinda like how those two work together despite my hatred towards chase.  not sure how many new accounts you have or if that would hinder your ability to get a freedom though.

Jealous of that walmart discover, wish I had one for sams...

Sorry, not to sound judgy or anything....but ya, they denied you, forget them!

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haha, I'm not mad at me for denying me, just wish it was an approval. My BofA was a consolidation of two cards, my Ritz was combined with my CSP, which I just closed today because I hadn't used it in forever. I had the Freedom a couple of years ago, but I closed. I really don't have a strategy, you could say. My Walmart MC goes from $7500 to $1024; I keep forgetting to charge something on it monthly. I'm using it for my razor purchases now.

[resilient]

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@Anonymous wrote:

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@resilient wrote:
no offense taken jfriend33. I got my discover card a year ago, so unfortunately I don't qualify for the double cash, smh. With Citi, I just applied for the Sears MC a week ago and was approved, and I think I may be at my max with them; they gave me $6k. I'm in the Army, and I also applied for my government travel card with Citi within the same month, so that could've had something to do with it. I really just wanted the QS to have a good CapOne card. I was hoping they'd convince me their name wasn't Crapital One anymore lol

---

Good I was worried, lol.

If I were you...and this is a stretch... but unless you really really really want and need it, and want 100% certainty to have a card you can max out no ifs ands or butts....otherwise, you have a GREAT selection...CSP, SPG, couple Amex, bangin' 38k limit, etc.

Id go thru each card, see if u can get all aprs lowered if they arent in a promo.

You may benefit from a chase freedom when the signup bonus is 200-300 and send those as UR to your CSP....I kinda like how those two work together despite my hatred towards chase.  not sure how many new accounts you have or if that would hinder your ability to get a freedom though.

Jealous of that walmart discover, wish I had one for sams...

Sorry, not to sound judgy or anything....but ya, they denied you, forget them!

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I've also started the APR lowering frenzy...AmEx has been the most receptive so far. Then Citi.

[resilient]

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@taxi818 wrote:

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@resilient wrote:
no offense taken jfriend33. I got my discover card a year ago, so unfortunately I don't qualify for the double cash, smh. With Citi, I just applied for the Sears MC a week ago and was approved, and I think I may be at my max with them; they gave me $6k. I'm in the Army, and I also applied for my government travel card with Citi within the same month, so that could've had something to do with it. I really just wanted the QS to have a good CapOne card. I was hoping they'd convince me their name wasn't Crapital One anymore lol

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How the army has changed. We never had a travel credit card. Lmao. But I'm from a time just before mre's. C rats.

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Whoa! C rats! I've heard of them before but never seen em  I haven't eaten an MRE in about 3 years though... We usually get lucky enough to get Jimmy Deans!

[resilient]

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@taxi818 wrote:

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@Anonymous wrote:

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@resilient wrote:
no offense taken jfriend33. I got my discover card a year ago, so unfortunately I don't qualify for the double cash, smh. With Citi, I just applied for the Sears MC a week ago and was approved, and I think I may be at my max with them; they gave me $6k. I'm in the Army, and I also applied for my government travel card with Citi within the same month, so that could've had something to do with it. I really just wanted the QS to have a good CapOne card. I was hoping they'd convince me their name wasn't Crapital One anymore lol

---

Good I was worried, lol.

If I were you...and this is a stretch... but unless you really really really want and need it, and want 100% certainty to have a card you can max out no ifs ands or butts....otherwise, you have a GREAT selection...CSP, SPG, couple Amex, bangin' 38k limit, etc.

Id go thru each card, see if u can get all aprs lowered if they arent in a promo.

You may benefit from a chase freedom when the signup bonus is 200-300 and send those as UR to your CSP....I kinda like how those two work together despite my hatred towards chase.  not sure how many new accounts you have or if that would hinder your ability to get a freedom though.

Jealous of that walmart discover, wish I had one for sams...

Sorry, not to sound judgy or anything....but ya, they denied you, forget them!

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Jfriend33. They got rid of the walmart Discover last August. Does not exist anymore. It is now a mastercard. looks like he just did not change siggy.

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Thanks for reminding me; I'll change it now.

[Anonymous]

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@resilient wrote:
no offense taken jfriend33. I got my discover card a year ago, so unfortunately I don't qualify for the double cash, smh. With Citi, I just applied for the Sears MC a week ago and was approved, and I think I may be at my max with them; they gave me $6k. I'm in the Army, and I also applied for my government travel card with Citi within the same month, so that could've had something to do with it. I really just wanted the QS to have a good CapOne card. I was hoping they'd convince me their name wasn't Crapital One anymore lol

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Why wouldn't you qualify for DC after getting your Disc after a year ago?

[resilient]

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@Anonymous wrote:

---

@resilient wrote:
no offense taken jfriend33. I got my discover card a year ago, so unfortunately I don't qualify for the double cash, smh. With Citi, I just applied for the Sears MC a week ago and was approved, and I think I may be at my max with them; they gave me $6k. I'm in the Army, and I also applied for my government travel card with Citi within the same month, so that could've had something to do with it. I really just wanted the QS to have a good CapOne card. I was hoping they'd convince me their name wasn't Crapital One anymore lol

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Why wouldn't you qualify for DC after getting your Disc after a year ago?

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I thought the offer said for new card members....maybe I didn't read it right.

[taxi818]

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@resilient wrote:

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@Anonymous wrote:

---

@resilient wrote:
no offense taken jfriend33. I got my discover card a year ago, so unfortunately I don't qualify for the double cash, smh. With Citi, I just applied for the Sears MC a week ago and was approved, and I think I may be at my max with them; they gave me $6k. I'm in the Army, and I also applied for my government travel card with Citi within the same month, so that could've had something to do with it. I really just wanted the QS to have a good CapOne card. I was hoping they'd convince me their name wasn't Crapital One anymore lol

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Why wouldn't you qualify for DC after getting your Disc after a year ago?

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I thought the offer said for new card members....maybe I didn't read it right.

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The Double cash back is not from a year ago. It is for new card members. I got my Disco a year ago too. However before june 20th. Many of us existing members passed the news on that we could get in with a call. Which most my fico members took advantage of. After june 20th. They slammed the Door shut on existing members. and said only new members could sign up for the Double Cash back

[resilient]

Around the same time I was in the field for a while....I guess I missed the boat....