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Member
Posts: 12
Registered: ‎12-03-2012
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Capital One - Frustrations

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.

 

 

 

 

Starting Score: 8/2009 - 542
Current Score: 1/2013 - TU 702 / EQ 692/ EX 692
Goal Score: All above 700
Wallet: Discover IT - $8,800 | Amex PRG - NPSL | Capital One Platinum Mastercard - $5,000 | Capital One Cash Rewards Mastercard - $2,000 | Citi Thank You Preferred Visa - $3,000 | USAirways Mastercard - $5,000
Contributor
Posts: 95
Registered: ‎12-24-2011
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Re: Capital One - Frustrations

Give this thread, especially the OP, a once-over:

 

Cap1 PC/CLI



Cards: CitiForward for Students (2K, opened 8/2009), Discover it (2K, opened 7/2010), AMEX BCE (1k, opened 12/2010), Capital One Quicksilver (4.5k, opened 11/2011), Chase Freedom (1.5k, opened 8/2014)

AMEX Platinum (NPSL, AC arrangement, added 12/2011), Citi AAdvantage AMEX (9k, AU, backdated to 9/2008)

Scores: TU 667, EQ 651

In the Garden since 8/8.
Regular Contributor
Posts: 241
Registered: ‎05-21-2011
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Re: Capital One - Frustrations

It's cap1 anything goes.  Ymmv with them

Delta Amex $9500.........Marriott Rewards Premier $6500.......Discover IT $4600......Citi Preferred $3900.........Chase Freedom $3800......Barclay(apple) $2900.......BofA $1500.......
Capital One $4500....FNO.....$4900.....
Established Member
Posts: 22
Registered: ‎12-02-2012
0

Re: Capital One - Frustrations

In my opinion, Capital one is garbage. The cards and benefits are worthless compared to any other card on the market and their customer service is a complete joke. I use mine once a month and that is only because I keep it open for AAOA.
Frequent Contributor
Posts: 377
Registered: ‎12-10-2012
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Re: Capital One - Frustrations

Are the balances paid in full?
NFCU Sig Cash-20k/ Amex BCP-19.4k/ Amex Costco-1.2k/Chase Marriott-12k/CSP-13.4k/ Freedom-5.5k/ Discover IT-14k/NCSECU-5k/Walmart-10k/Lowes-25k
Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Capital One - Frustrations

I would suggest calling the executive office. That is pretty much the only option you have at this point.




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Frequent Contributor
Posts: 468
Registered: ‎01-22-2011
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Re: Capital One - Frustrations

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

Mega Contributor
Posts: 15,442
Registered: ‎04-09-2011
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Re: Capital One - Frustrations


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.

 




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
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Re: Capital One - Frustrations


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.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Frequent Contributor
Posts: 468
Registered: ‎01-22-2011
0

Re: Capital One - Frustrations

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

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