Cap One card differences?

kroberts67 · ‎05-21-2013

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 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey

09Lexie · ‎05-21-2013

The nonAF cc is for excellent credit. AFAIK, you cannot PC

Closing Credit Cards

The Definitive Amex 3X CLI Guide

Frequently Requested Threads

scarzy · ‎05-21-2013

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

kroberts67 · ‎05-21-2013

@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 814 | TU 847 | EX ? (Started in the low 500's... you can do it!)

Amex BCE $25000, Amex AP $20000, SFFCU Visa $15000 + LOC $5000, USAA Amex $6000, USAA MC $7000, Cap1 $9500, Freedom $12000, Slate $500, Barclays "RIP" SM $11500, USBank Cash+ $12500, Citi Diamond $11200, Citi Double Cash $12000, Care Credit $13500k.
My Credit Repair Journey

jsucool76 · ‎05-21-2013

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.