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Senior Contributor
youngandcreditwrthy
Posts: 6,242
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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | 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
snowkitty
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*
Frequent Contributor
TheConductor
Posts: 492
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)
Current: EQ 670 (myFICO 9/8/14), EX 694 (Prosper 7/17/14) , TU 693 (WalMart 9/2/14) Goal: 700+ x3
My Wallet: Amex BCP $30k, Chase CSP VS $12.2k, Amex Zync NPSL (> 10k), C1 Venture VS $5k, Amex SPG $4.5k, Walmart (Store) $2.5k, Barclaycard Apple V $2k, Chase Freedom V $1100, BoA Cash Rewards V $500, Best Buy Rewards MC $500
My Loans: Prosper $25k/36mo
My Business: Chase Ink VS $5k
Senior Contributor
youngandcreditwrthy
Posts: 6,242
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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Regular Contributor
SpiceIslander
Posts: 348
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: 04/2014 - TU 765 | EQ ??? | EX 768

Barclays / Sallie Mae World MC 13000 | Lowes 10,000 | LOC 9300 | FNBO 8900 | Amex BCP 7200 | BOA Platinum+ 6000 | Amex SPG 5700 | Citi Simplicity 5200 | Chase CSP 5000 | Achieva CU 4000 | Discover 4000 | Sam's Club 3000 | Sears 900
Valued Contributor
maiden_girl
Posts: 2,108
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
youngandcreditwrthy
Posts: 6,242
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| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | 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
LS2982
Posts: 15,434
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...................:smileyvery-happy:

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
maiden_girl
Posts: 2,108
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
maiden_girl
Posts: 2,108
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...................: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: 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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