Reply
Member
constantgardener
Posts: 12
Registered: ‎12-03-2012
0

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 - $6,000 | Amex ZYNC - NPSL | Capital One Platinum Mastercard - $5,000 | Capital One Cash Rewards Mastercard - $2,000 | Citi Thank You Visa - $1,500
Contributor
sdoonan
Posts: 95
Registered: ‎12-24-2011
0

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
negg
Posts: 223
Registered: ‎05-21-2011
0

Re: Capital One - Frustrations

It's cap1 anything goes.  Ymmv with them

Delta Amex $7500.........Marriott Rewards Premier $6500.......Discover IT $3800......Citi Preferred $2500...........Chase Freedom $3800......Barclay(apple) $2000.......BofA $1500.......
Capital One $4000.....FNO.....$3700
Established Member
Bearclaw
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
dabrian
Posts: 360
Registered: ‎12-10-2012
0

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
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

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
sandman2435
Posts: 443
Registered: ‎01-22-2011
0

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
LS2982
Posts: 15,436
Registered: ‎04-09-2011
0

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
maiden_girl
Posts: 2,110
Registered: ‎12-29-2011
0

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
sandman2435
Posts: 443
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


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+
}