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Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

C1, YOU SUCK. Amex & Disc, you ROCK

Well..

after having a thread of me being so mad at C1 for refusing a CLI... on a restless night, I decided to app for Disover Motiva and Amex BCE...

and I was APPROVED FOR BOTH

so Capital One can really s--- it at this point!!

HAHAHAHHAHA

 

:-)

 

 

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
Posts: 985
Registered: ‎09-10-2012
0

Re: C1, YOU SUCK. Amex & Disc, you ROCK

Hahaha.....congrats!! Cap1 denied me last month and then discover approved me for my highest limit!! I hope cap1 sends me a preapproval someday so I can deny them...lol
TU Fico 714 | Sesame 742 | Credit Karma 762 | Wal-Mart FICO 734 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 13.1k | Citi Diamond Preferred 10.2k | CSP 5k | Bofa Cash 9k | Boa Travel 10k | Discover More 3k | Chase SW 5k | Wal-Mart 3.3k | Amazon 5k | Old Navy Visa 5k | Shell 1200 | BP 400 | VS 1500 | Sam's Discover 8.5k | FNBO Amex 16k | Chase Freedom 1.3k | Home Depot 5k | Brylane Homes 1600 | BML 2820

App free since 12/11/13*
Established Contributor
Posts: 637
Registered: ‎07-24-2012
0

Re: C1, YOU SUCK. Amex & Disc, you ROCK

Pretty typical.  Cap One are a good stepping stone for credit rebuilders, but they royally suck at growing along with you as your creditworthiness improves.

 

Amex, on the other hand, is a good grower.  Make those on-time payments like clockwork on your new BCE and they will take you places.

 

Congrats!

Starting: EQ 622 (myFICO 7/7/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12), Total CL $1k on 2 TLs
Current: EQ 709 (CCT 2/4/15), EX 704 (CCT 2/4/15) , TU 702 (CCT 2/4/15), Total CL $110.3k on 14 TLs Goal: 740+ x3
My Wallet: Amex BCP $30k, Chase United Explorer $16k, Amex SPG $13.5k, Barclaycard Ring MC $12.5k, Chase CSP VS $12.2k, Discover it $10.5k, C1 Venture VS $6.5k, Chase Slate $3.5k, Amex Hilton Surpass $2k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Citi BestBuy $500
My Loans: Prosper $25k/36mo, Prosper $17k/36mo
My Business: Chase Ink VS $5k, Amex BRG NPSL (> 10k),
Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: C1, YOU SUCK. Amex & Disc, you ROCK

Oh, I will!!! Amex actually told me themselves to call back at sixty days to request a CLI...

 

They congratulated me a MILLION times on the phone.... I really see a great banking relationship beginning with them. I also just opened an Amex Personal Savings accout with a yield of .90%; I only put a couple thousand in it, but I'm all about earning a little interest! lol and I took that money out of Capital One.. so best of luck to them!!! ;-)

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Frequent Contributor
Posts: 403
Registered: ‎02-01-2010
0

Re: C1, YOU SUCK. Amex & Disc, you ROCK

Good job! Those are much better cards than Cap 1 anyway! At least, they'll grow with you.

Meg.

FICO: 4/2016 - TU 841 | EQ 840 | EX 837

FNBO 23,600 | Amex SPG 13,900 | Amex BCP 13,400 | Barclays/Sallie Mae13,000 | Discover IT 12,500 | Lowes 10,000 | PLOC 9,300 | NASA FCU 8,700 | Citi Simplicity 6,200 | BOA Platinum+ 6,000 | Achieva CU 5,500 | Chase CSP 5,000 | Sam's Club 3,000 | Sears 900
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: C1, YOU SUCK. Amex & Disc, you ROCK

LOL Discover needs to expand their network...I like the card but it annoys me to no end how many people don't accept Discover..bah.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012
0

Re: C1, YOU SUCK. Amex & Disc, you ROCK

Lol I rarely have used my Walmart Discover, but every place Ive randomly used it has accepted lol!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011
0

Re: C1, YOU SUCK. Amex & Disc, you ROCK


maiden_girl wrote:

LOL Discover needs to expand their network...I like the card but it annoys me to no end how many people don't accept Discover..bah.


I can definitely say the same about AMEX...................Smiley Very Happy

 




EQ FICO 548 3/3/16
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: C1, YOU SUCK. Amex & Disc, you ROCK


youngandcreditwrthy wrote:
Lol I rarely have used my Walmart Discover, but every place Ive randomly used it has accepted lol!

I won't be using my Walmart Discover for regular purchases (unless its walmart related)...I hate their online system. GECRB needs to tweak it a bit before I'll fully commit to using it. That and the APR is outrageous! LOL!

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: C1, YOU SUCK. Amex & Disc, you ROCK


LS2982 wrote:

maiden_girl wrote:

LOL Discover needs to expand their network...I like the card but it annoys me to no end how many people don't accept Discover..bah.


I can definitely say the same about AMEX...................Smiley Very Happy

 


LOL Amex barely exists in my area. If you don't have VISA or MC...you're practically screwed. Ha

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






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