Reply
Frequent Contributor
WhiteCollar
Posts: 314
Registered: ‎04-07-2012
0

Cap One Executive Office Re:Best Buy MC

[ Edited ]

Per this forum, it appears that Cap One has been spreading the love lately so I decided to see if I could get some of it too! I spoke to a very nice CSR rep at Cap One's executive office today regarding my Best Buy Rewards Zone MC ( I have the $59 AF version). I explained to her that after having the card for 3 years plus, I'd like to be upgraded to the platinum version without the AF and requested a CLI as well. She looked at my account, agreed I had an excellent payment history but regretfully informed me that cards that were issued with an AF cannot be upgraded to cards without. In order to receive another version of the card (the store card or the platinum), I must re-apply for a new card.....CRAZY!! As for the CLI request, she said it would be a hp so I decided against it because I was denied for one a few months back. She did however, off to reimburse me for the AF based on my account records. I had the fee credited a few months back so that was out. She said next year, I can call back to have the AF credited given that my account is still in good standing. 

Regular Contributor
snsforever916
Posts: 144
Registered: ‎06-28-2012
0

Re: Cap One Executive Office Re:Best Buy MC


PrettyNPink wrote:

Per this forum, it appears that Cap One has been spreading the love lately so I decided to see if I could get some of it too! I spoke to a very nice CSR rep at Cap One's executive office today regarding my Best Buy Rewards Zone MC ( I have the $59 AF version). I explained to her that after having the card for 3 years plus, I'd like to be upgraded to the platinum version without the AF and requested a CLI as well. She looked at my account, agreed I had an excellent payment history but regretfully informed me that cards that were issued with an AF cannot be upgraded to cards without. In order to receive another version of the card (the store card or the platinum), I must re-apply for a new card.....CRAZY!! As for the CLI request, she said it would be a hp so I decided against it because I was denied for one a few months back. She did however, off to reimburse me for the AF based on my account records. I had the fee credited a few months back so that was out. She said next year, I can call back to have the AF credited given that my account is still in good standing. 


Thanks. I have this card as well with the $39 fee. They did a softpull last month and said no! =( Boo. I also have the fee so that is good to know that I can get it waived. Personally, I'd pay the fee to have a credit limit of at least $1000. This is my lowest joke of a card. I really wanted the BB store card. This is a sock drawer card anyways. Thanks for the information.

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 :smileysurprised:)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!



Frequent Contributor
WhiteCollar
Posts: 314
Registered: ‎04-07-2012
0

Re: Cap One Executive Office Re:Best Buy MC

I have a decent CL with mine which makes me go back and forth about canceling it. I guess if I can keep getting the AF waived, I can hold on to it. I only use it for Best Buy purchases anyway. 

Regular Contributor
snsforever916
Posts: 144
Registered: ‎06-28-2012
0

Re: Cap One Executive Office Re:Best Buy MC


PrettyNPink wrote:

I have a decent CL with mine which makes me go back and forth about canceling it. I guess if I can keep getting the AF waived, I can hold on to it. I only use it for Best Buy purchases anyway. 


Well mine is $300 and I've used it to put an iphone purchase. Sadly, the limit is to low for much anything else. I wish I would not have taken the card but I already incurred the hard pull so I decided to make lemonade out of lemons!!!

Starting Scores:
Lender Pull 7/10/2012 EQ 585 EX 617 TU 551
8/2012 MyFico EX 598 01/2013 EX 608 2/2013 EX 620 :smileysurprised:)
9/12/2012 624 (Fico Discover)
02/7/2013 660 (Fico Wally)
At least I'm heading in the right direction!!!

Goal Score:740+, home loan and Get rid of subprime cards!!!



Valued Contributor
armbenderc
Posts: 1,339
Registered: ‎09-11-2012
0

Re: Cap One Executive Office Re:Best Buy MC

[ Edited ]

PrettyNPink wrote:

Per this forum, it appears that Cap One has been spreading the love lately so I decided to see if I could get some of it too! I spoke to a very nice CSR rep at Cap One's executive office today regarding my Best Buy Rewards Zone MC ( I have the $59 AF version). I explained to her that after having the card for 3 years plus, I'd like to be upgraded to the platinum version without the AF and requested a CLI as well. She looked at my account, agreed I had an excellent payment history but regretfully informed me that cards that were issued with an AF cannot be upgraded to cards without. In order to receive another version of the card (the store card or the platinum), I must re-apply for a new card.....CRAZY!! As for the CLI request, she said it would be a hp so I decided against it because I was denied for one a few months back. She did however, off to reimburse me for the AF based on my account records. I had the fee credited a few months back so that was out. She said next year, I can call back to have the AF credited given that my account is still in good standing. 


I call for fun today and got cli. I have the card since 2008. Always pif and last year or so rarely use... I call number on the back of card they double my cl. It is now 1k. Lol my lowest unused and also one of my oldest aaoc.

 

Edit: not even a pull.

2013 Approvals: Discover IT - 3/1, Amex BCE - 3/4, CSP - 5/4, Barclay Ring - 6/12, BoA Privileges Cash - 6/27, Citi TY Preferred - 8/6, OCCU Duck - 11/4, USBank (Cash+) - 11/22, Wells Fargo - 12/21, Nordstrom - 12/29

12/19/2013, $100k+ Available Credit. Total Util: 0-1%

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}