@baller4life wrote:
@Kutuzov wrote:
They are Great now. Their Peggy CS, with absolutely no power seems tr have improved, they now can at least do a temporary apr reduction, an even waive af. Unfortunately they still won't badge on real apr reductions, so they get a A from me, Discover is an A+.Man this forum sure is team Discover aren't we!!
#discoverrocks #teamdiscover
To be honest I got my DW a cap1 cc years ago maybe 5. She got approved for $300 and got a cli witr the steps to $500, back then was 3 months not 5 like now. I pay the bills she's a stay home Mom, and she dislikes all paperwork, including credit seeking. Back then I knew cap1 wouldn't give her any auto cli, or any other luv, and maximum damage would be $500 a month if I paid in full. Starting last year she got some auto cli and an upgrade from a basic cc to QS. That shows how recently (I'll say no more than 2 years), they started to try to keep customers after they could get another prime lender to approve them, and giving the Peggys of America (like my DW) some luv. I think they might become an A+ on my book if they just get more lean on APR, and pc's. My 2 cents. By the way since Cap1 upgraded my wife cc and gave her a cl of $5500 or so, I have steer my wife to apply for a BJs cc, and she got it but just $1.5k which is GOOD, I don't really want a bigger cl ... the QS is now sd 
I could not have asked for more.
They gave me 3000 card 1 month after BK.
They gave me another one a month later.
Then another, so on and so on.
18 months and 7 cards after BK, I have a 50k total CL!
They're in my wallet!
I had a few Capital One cards years ago and didn't return to them until this past summer with a Venture card, which I wanted for its bonus. As far as I'm concerned, they are the same company that I remember in the past. On their own, they are okay I suppose. My greatest issues with them are, however, when they are compared to the other banks I do business with. This is where Capital One just cannot compete. I still find their customer service severely lacking, and they still don't have a product that isn't easily outclassed by better options available. A large credit limit obtained via a Venture and/or consolidation doesn't make up for a lackluster rewards/cash back offering for me either. As for that triple pull, well... I don't think there is anything left for me to say about it. Personally, I think it's grossly excessive and a terrible exchange for most of their products.
Regardless, I have noticed that they have a much more favorable opinion amongst others, and I have also noticed the recent 2015 JD Power Credit Card Satisfaction Study. Evidently, they must be doing something right for the majority of their customers.
@Sharingan wrote:I had a few Capital One cards years ago and didn't return to them until this past summer with a Venture card, which I wanted for its bonus. As far as I'm concerned, they are the same company that I remember in the past. On their own, they are okay I suppose. My greatest issues with them are, however, when they are compared to the other banks I do business with. This is where Capital One just cannot compete. I still find their customer service severely lacking, and they still don't have a product that isn't easily outclassed by better options available. A large credit limit obtained via a Venture and/or consolidation doesn't make up for a lackluster rewards/cash back offering for me either. As for that triple, well... I don't think there is anything left for me to say about it. Personally, I think it's grossly excessive and a terrible exchange for most of their products.
Regardless, I have noticed that they have a much more favorable opinion amongst others, and I have also noticed the recent JD Power study. Evidently, they must be doing something right for the majority of their customers.
Yep, they are
@pizza1 wrote:Say what you will about them, (im guilty as well..)
but dang it, they post charges/payment/credits FAST!!! And whenever Ive cashed in points/cash back ...Ive had them within the week in my mail.
Yes, I had a little issue with fraud, awhile back..but, they have been great to me, and I like their online system too. Very easy to navigate thru, and see everything. I have been putting 70% of my spend on my Cap1 CC's. I really like them as a whole. Just my 2 cents
I agree. I've said before that I can remember over 10 yrs ago when they had a slightly seedy rep. Not now, they're as good as any. I think when people badmouth them maybe they've been declined or had a bad experience. Their credit steps program has been copied by other banks. Another thing ( maybe trivial ) you get the card fast after approval. Was approved for QS1 last week, got the card yesterday! I now have 3.
