Reply
Regular Contributor
Lucid08
Posts: 213
Registered: ‎11-01-2007
0

CapOne/HSBC Transition

The website transition is apparently underway. Last night I went to log into my Orchard Account and was met with a redirect notice that took me to the CapOne transition website. I was pleaseantly surprised as everything went smooth as silk. The entire process took all of 5 minutes to complete.

 

I've never had a CapOne card before, so I dont really know what to expect from them. The Orchard card I have is my very first CC when I started my credit building journey back in 2007 and still has the same $500 CL as it did when issued. It also carries a $79 annual fee that is due to hit on Aug 10th. I should probably close the card, but I wanted to see if CapOne might show me some lovin and up my CLI and/or remove the AF once the account has been fully transferred to them.

 

What do ya'll think? Would I be wasting my time waiting, or is CapOne a better company than Orchard in these regards?

 

P.S. Never went over 20% util on this card, never late. Use to buy gas once in a while just to keep it active.

EQUIFAX - 640 1/05/12 - Goal of 720 by Mid May!
Transunion - 637 - 01/15/10
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013
0

Re: CapOne/HSBC Transition

i would try the eo to see if you can at least do something with the af and see if you can switch it to a different capone product...i just contacted the eo this weekend and someone got back to me monday but i was too busy with work to pick up my phone...hopefully he calls back tomorrow...i will keep you posted with my experience :smileywink:



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Valued Contributor
chnceit
Posts: 1,524
Registered: ‎08-17-2008
0

Re: CapOne/HSBC Transition

You should try the CLI button online first because some members are getting an increase that way. If not them contact the EO.

$100K in Credit
Last Credit Card App: 11/16/13
Valued Contributor
wHiTeSoL
Posts: 1,059
Registered: ‎07-09-2013
0

Re: CapOne/HSBC Transition

yeah, try the CLI button first, if no go then contact the EO. I have had my AF waived, 4x CLI, and rewards added. Good luck!


   3/12 $3500     6/12 $1200      10/12 $1500   12/12 $3400    6/13 $12000      7/13 $5000      7/13 $2500       8/13 $2000    8/13 $6000

  | CSP (AU) $12,000 | Amex PRG (AU) | United $6,000 | OCCU $12,000 | Ink Bold | GM $3,200 | DCU $7500 | Luthansa $9000 | SPG $6,000 | Citi AA Executive $11,000 | Ink Plus $5,000                                                                         | EX 2/7 697 | EQ 10/27 721 | TU 12/15 719 |

Regular Contributor
Lucid08
Posts: 213
Registered: ‎11-01-2007
0

Re: CapOne/HSBC Transition

Just when I think I know all the terms used here...:smileyvery-happy:

 

What is the/a/an EO?

EQUIFAX - 640 1/05/12 - Goal of 720 by Mid May!
Transunion - 637 - 01/15/10
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013
0

Re: CapOne/HSBC Transition

eo...executive office :smileywink:



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Regular Contributor
Lucid08
Posts: 213
Registered: ‎11-01-2007
0

Re: CapOne/HSBC Transition


wHiTeSoL wrote:

yeah, try the CLI button first, if no go then contact the EO. I have had my AF waived, 4x CLI, and rewards added. Good luck!


You've had all of this occur with an HSBC card that was transferred to CapOne in the short time the merger has been going on?

EQUIFAX - 640 1/05/12 - Goal of 720 by Mid May!
Transunion - 637 - 01/15/10
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013
0

Re: CapOne/HSBC Transition

just PMed you :smileywink: gl!



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Regular Contributor
Lucid08
Posts: 213
Registered: ‎11-01-2007
0

Re: CapOne/HSBC Transition


djc1puno wrote:

eo...executive office :smileywink:


Ahh..ok. It has been a while since I posted here. Didnt know we were to the point of bypassing Customer Service and going straight for the Executive Office in order to get results.

is this to be interpreted that this speaks poorly of CapOne's customer service department?

EQUIFAX - 640 1/05/12 - Goal of 720 by Mid May!
Transunion - 637 - 01/15/10
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013
0

Re: CapOne/HSBC Transition

i think the normal lines for customer service aren't as "empowered" to do the things that we request so contacting the eo and getting someone from there with more "power" is better :smileyhappy: but i still do try to go thru normal csrs first before heading to the eo :smileyhappy:



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---

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+
}