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Happy New Year, all!
I gave a call to CapOne's standard customer service to see if I could figure out how to either get rid of my AFs or get a CLI on either of my cards or PC to better cards. I was glad that the CSR was not reading a script, but I was super unsuccessful in my attempts.
I was wondering if anyone would be able to help me figure out what to even say in these situations or what other ways I can contact CapOne to try to negotiate this.
My "Platinum" MasterCard has $1,750 on it. Opened in 1/2010 with a $500 limit, then had 2 credit steps increases to $750 and $1000 and then out of nowhere in 12/2010 it jumped up to $1,750 (a rare thing with CapOne)
I also have the No Hassle Rewards which I opened in 6/2010. It started with a $500 limit and had 1 increase to $750. They claim they never offered me credit steps although I am sure they have.
I have never missed a payment on either card and since 2010 I've had pretty drastic updates in my credit standing.
Just wondering if there is anything I can say or do to save on these AFs I'm about to get hit with.
Any help would be greatly appreciated! I saw that people have had success in contacting the executive office, but I'm not sure how I'd do that or what works when talking to them.
Give this thread, especially the OP, a once-over:
It's cap1 anything goes. Ymmv with them
I would suggest calling the executive office. That is pretty much the only option you have at this point.
I don't understand why about the Capital one frustrations..I was able to get my credit limit raised on my Venture One card after only being open for 2 months...I simply called and told them that I would be going to Canada this summer and I need a higher limit...As I plan to go there there in July...I have never had any problems with Cap one
@sandman2435 wrote:I don't understand why about the Capital one frustrations..I was able to get my credit limit raised on my Venture One card after only being open for 2 months...I simply called and told them that I would be going to Canada this summer and I need a higher limit...As I plan to go there there in July...I have never had any problems with Cap one
Probably because you hold one of their "excellent" credit products. Getting things done should be a little easier.
@LS2982 wrote:
@sandman2435 wrote:I don't understand why about the Capital one frustrations..I was able to get my credit limit raised on my Venture One card after only being open for 2 months...I simply called and told them that I would be going to Canada this summer and I need a higher limit...As I plan to go there there in July...I have never had any problems with Cap one
Probably because you hold one of their "excellent" credit products. Getting things done should be a little easier.
+1
Capital One is mainly a sub-prime lender for people with bad credit or credit problems. I've noticed they have very few "excellent" credit products.
Their Venture Card is very good.But you will need to have a score over 700 and 3 years exp with cards over 5K..Yes They do have a lot of sub-prime cards as well