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Established Contributor
Posts: 887
Registered: ‎03-04-2013
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Cap One card differences?

I have the Cap One Cash Rewards MC (credit steps) with the $39 AF went from 300 to 500.

 

I noticed they have a VISA that sounds the same but with no AF.  I was going to call them about waiving the AF before my anniversary date rolls around.  Should I be asking for a PC instead (or both)?  Why would they give one one over the other;  is the MC issued for lower credit scores?

FICO: EQ 759 | TU 754 | EX 737
Amex BCE $25k, SFFCU Visa $15k + LOC $5k, USAA Amex $6k, USAA MC $7k, Cap1 $4.5k, Freedom $9.2k, Slate $500, Barclays SM $9k, USBank Cash+ $5k, Citi Diamond $5.3k, Citi Double Cash $1k, Care Credit $13.5k.

My Credit Repair Journey
Moderator
Posts: 27,207
Registered: ‎09-13-2012
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Re: Cap One card differences?

The nonAF cc is for excellent credit. AFAIK, you cannot PC
Regular Contributor
Posts: 230
Registered: ‎04-08-2008
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Re: Cap One card differences?

[ Edited ]

Also, you could go to the EO route and ask for the AF to be removed permanently. Plus, you could ask for a cli that might match your highest limit card that you have currently.

For the EO's contact information, just do a search for it. Many had success with that!

starting EQ FICO : 526 current EQ FICO : 640 starting TU FICO: 538 current TU FICO : 656

My wallet: Capital One cash rewards $1,300- ~ NFCU signature cash rewards $5,000- ~ NFCU nRewards $5,000- ~ NFCU LOC $1,000- ~ Target $200- ~ Kohl's $300- ~ Walmart $800- ~ Amazon $900- ~ Updated 6/2013

Discharged Ch7 Nov.16, 2012

Established Contributor
Posts: 887
Registered: ‎03-04-2013
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Re: Cap One card differences?


scarzy wrote:

Also, you could go to the EO route and ask for the AF to be removed permanently. Plus, you could ask for a cli that might match your highest limit card that you have currently.

For the EO's contact information, just do a search for it. Many had success with that!


Thanks for the info.  Think I'll request that it be removed permanently and I'll try for a CLI at that time.  I tried the EO route back in March to no avail.  I got the infamous phone call but then he never called me back to tell me either way, and the only increase I saw happen was the credit steps increase about 3 weeks later.  Not sure if they dropped the ball or if I just wasn't deserving!  My UT should be way down and my score up in a few months time so I'll try again then.  At that time they pulled all 3 and my EX was my downfall.

FICO: EQ 759 | TU 754 | EX 737
Amex BCE $25k, SFFCU Visa $15k + LOC $5k, USAA Amex $6k, USAA MC $7k, Cap1 $4.5k, Freedom $9.2k, Slate $500, Barclays SM $9k, USBank Cash+ $5k, Citi Diamond $5.3k, Citi Double Cash $1k, Care Credit $13.5k.

My Credit Repair Journey
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Super Contributor
Posts: 6,143
Registered: ‎12-11-2011
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Re: Cap One card differences?

The real specifics are just that initial CLs for the cash rewards MC go from 300-3000(can go higher with CLIs just not approval limit) ,a cash rewards visa (No AF) will not be issued with a limit under 3000$. Same rewards structure, only difference is a sign up bonus and AF.
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