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Valued Contributor
youngandcreditwrthy
Posts: 3,931
Registered: ‎08-16-2012

C1, YOU SUCK. Amex & Disc, you ROCK

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‎10-01-2012 11:48 AM

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

 

:-)

 

 

Paypal Extras Plat MC $25k | Lowe's $15k | Amex BCE $24.5K | Amex Delta Gold $5.5k | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
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Established Contributor
snowkitty
Posts: 659
Registered: ‎09-10-2012

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

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‎10-01-2012 11:53 AM

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 738 | Credit Karma 762 | Wal-Mart FICO 723 | EX FICO 695 (1/28/13) | EQ 740 (3-21-13)

Amex Blue Sky 7.2k | Amex BCE 5.5k | Citi Diamond Preferred 8k | Bofa Visa 500 | Discover More 3k | Wal-Mart 2.5k | Amazon 5k | Old Navy 1050 | Shell 1200 | BP 400 | VS 500 | Sam's Discover 3.5k | FNBO Amex 6k | Chase Freedom 1k | Home Depot 3k | Brylane Homes 600 | BML 1820

*You can find me in the garden.....app free since 3/21/13*
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Contributor
TheConductor
Posts: 227
Registered: ‎07-24-2012

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

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‎10-01-2012 11:55 AM

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 626 (myFICO 7/22/12), EX 696 (TU FAKO 8/14/12), TU 621 (CK TransRisk 7/24/12) Current: EQ 665 (myFICO 2/13/12), EX 690 (CreditSesame FAKO 1/6/13) , TU 681 (WalMart 2/4/13) Goal: 700+ x3
My Wallet: Amex Zync NPSL (hidden limit > 10k), Barclaycard Apple V $2000, Walmart (Store) $900, BoA Cash Rewards V $500, CreditOne Platinum V $600, Best Buy Rewards MC $500, Chase Freedom V $400
Dream Wallet: Amex BCP, Citi Dividend Platinum V , Chase Freedom MC, Chase Sapphire Preferred V, BoA Privileges Cash Rewards VS, UPromise MC, US Bank Cash+ VS, Amex ZYNC, Amex SPG, Amex Platinum, Andrews FCU Global V
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Valued Contributor
youngandcreditwrthy
Posts: 3,931
Registered: ‎08-16-2012

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

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‎10-01-2012 12:41 PM

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!!! ;-)

Paypal Extras Plat MC $25k | Lowe's $15k | Amex BCE $24.5K | Amex Delta Gold $5.5k | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
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Contributor
SpiceIslander
Posts: 258
Registered: ‎02-01-2010

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

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‎10-01-2012 04:09 PM

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

Meg.


FICO: EQ 756 / TU 721 - 04/01/13 / EX 744 - 08/24/12 (AmEx)
FAKO: CK 764 - 05/25/13 / Quizzle 744 - 04/01/13
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Established Contributor
maiden_girl
Posts: 1,168
Registered: ‎12-29-2011

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

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‎10-01-2012 04:11 PM

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: 707 (EQ) 702 (EX) 711 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 3k | Chase Freedom 4.5k
Message 6 of 25 (509 Views)
 
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Valued Contributor
youngandcreditwrthy
Posts: 3,931
Registered: ‎08-16-2012

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

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‎10-01-2012 04:14 PM

Lol I rarely have used my Walmart Discover, but every place Ive randomly used it has accepted lol!
Paypal Extras Plat MC $25k | Lowe's $15k | Amex BCE $24.5K | Amex Delta Gold $5.5k | WMT Discover $15k | Ban Repub Visa $14k | Dillard's $10k | Travelocity Amex $7.7k | JCP $6.5K | Smile Gen $6.25k | Freedom Visa $5k | Citi Dia Pref $5k | C1 No Hassle Cash Visa $5k | Discover IT $4.75k | Amazon Store $10k | ANFitch $2.95k | Express $3.05K | Chevron $2.1k | Orchard Gold $1.7k
Message 7 of 25 (505 Views)
 
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Mega Contributor
LS2982
Posts: 15,096
Registered: ‎04-09-2011

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

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‎10-01-2012 04:15 PM

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...................:smileyvery-happy:

 



Silver Spade Garden Club Member - Last App 1/6/13 - No Apps until 1/7/2015 / Diamond Inspired!
Starting Score: EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 684 / EQ FICO 664 / TU08 FICO 687 / TU98 FICO 672 / TU VS 711 6/16/2013
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Established Contributor
maiden_girl
Posts: 1,168
Registered: ‎12-29-2011

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

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‎10-01-2012 04:20 PM

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: 707 (EQ) 702 (EX) 711 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 3k | Chase Freedom 4.5k
Message 9 of 25 (487 Views)
 
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Established Contributor
maiden_girl
Posts: 1,168
Registered: ‎12-29-2011

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

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‎10-01-2012 04:21 PM

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...................:smileyvery-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: 707 (EQ) 702 (EX) 711 (TU) | Goal scores: 750+ (all 3)
Open loans: Hyundai Motor Finance - $12k balance | 60 months @ 4.9% (First Time Buyer 12/2012)
My Wallet: Capital One 1.5k | Macy's 1.0k | Living Spaces 8.5k | Ashley 5.5k | Amazon 2.0k | Discover IT 1.5k | Walmart Discover 3k | Chase Freedom 4.5k
Message 10 of 25 (484 Views)
 
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