Reply
Valued Member
jropeter
Posts: 48
Registered: ‎07-07-2013

Capital One Troubles

I think I'm about to be done with Capital One. I have four cards with them, all with limits under 1,000 dollars. I've requested cli's with them on countless occasions, and they are always unwilling to oblige my requests. Its completely frustrating. While these cards did help me build credit when I got them back in 2009, my credit has drastically improved, and I feel like they are not an accurate representation of my current credit profile.

 

What do you all think: should I drop them all, take the hit on my AAoA and get newer and better cards, or should I just keep them? Any suggestions are greatly appreciated!

 

Discover IT $8.2k | AmEx BCE 7.5k | Barclays Arrival 4k | Chase Freedon $3k I Amazon Storecard $2.2k | Paypal $1.6k| Cap1 Venture $7500 (AU)

Starting Score: 520's
Current Score: FICO EX: 732 (12/2013) FICO EQ: 776 (FICO 04/2014) FICO TU: 735 (Discover Monthly FICO)
Goal Score: 750


Take the myFICO Fitness Challenge



Community Leader
Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

Re: Capital One Troubles

Have you gone the EO route?

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Valued Contributor
SunriseEarth
Posts: 3,100
Registered: ‎08-12-2013

Re: Capital One Troubles


myjourney wrote:

Have you gone the EO route?


+1.  The frontline CSRs and the LUV button don't always work.  Best to call the EO and see where you get.  




Starting Score: 627 (Merrick, 7/15/13) | Current Score: 668 (Wally, 7/7/14), 686 (Merrick 7/15/14) | Goal Score: 700+
Care Credit $10200 | AMEX BCE $4500 | Macy's: Special Events $2900 Store $600 | JCP $1900 | Sony Card $1500 | Walmart Store $1400 | Merrick $1200 | Amazon Store $1200 | Target $1000 | Cap 1 QS1 $1000 | VS $550 | Gold Violin $550 ~~Gardening Since 6/20/14
Valued Member
jropeter
Posts: 48
Registered: ‎07-07-2013

Re: Capital One Troubles

No I have not. I've read on different posts that others have had successful encounters taking the EO route...I guess I'm just a bit apprehensive. I'm tired of them telling me "no."

Discover IT $8.2k | AmEx BCE 7.5k | Barclays Arrival 4k | Chase Freedon $3k I Amazon Storecard $2.2k | Paypal $1.6k| Cap1 Venture $7500 (AU)

Starting Score: 520's
Current Score: FICO EX: 732 (12/2013) FICO EQ: 776 (FICO 04/2014) FICO TU: 735 (Discover Monthly FICO)
Goal Score: 750


Take the myFICO Fitness Challenge



Community Leader
Senior Contributor
myjourney
Posts: 25,277
Registered: ‎02-07-2013

Re: Capital One Troubles


jropeter wrote:

No I have not. I've read on different posts that others have had successful encounters taking the EO route...I guess I'm just a bit apprehensive. I'm tired of them telling me "no."


Lol

You can't be tired if you haven't given it your best effort ....Joke 

Follow the link and good luck

http://bit.ly/1g0P1zO

 

Click on the top one for email address 

"Intelligence plus character--that is the goal of true education"
Cap1 EO link below
http://lmgtfy.com/?q=Capital+One+CEO+email+address+#seen
Last 5 apps 6/6/13
Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013

Re: Capital One Troubles


myjourney wrote:

jropeter wrote:

No I have not. I've read on different posts that others have had successful encounters taking the EO route...I guess I'm just a bit apprehensive. I'm tired of them telling me "no."


Lol

You can't be tired if you haven't given it your best effort ....Joke 

Follow the link and good luck

http://bit.ly/1g0P1zO

 

Click on the top one for email address 


+1...if you still feel the same way after going thru the EO, i would definitely say close some/most...gl! :smileyhappy:



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
---=[NORTHBOUND]=---
Established Contributor
wHiTeSoL
Posts: 1,038
Registered: ‎07-09-2013

Re: Capital One Troubles


jropeter wrote:

I think I'm about to be done with Capital One. I have four cards with them, all with limits under 1,000 dollars. I've requested cli's with them on countless occasions, and they are always unwilling to oblige my requests. Its completely frustrating. While these cards did help me build credit when I got them back in 2009, my credit has drastically improved, and I feel like they are not an accurate representation of my current credit profile.

 

What do you all think: should I drop them all, take the hit on my AAoA and get newer and better cards, or should I just keep them? Any suggestions are greatly appreciated!

 


If the EO doesn't help then drop them, the above red part is a misconcepion. See this http://ficoforums.myfico.com/t5/Credit-Cards/Closing-Credit-Cards/td-p/347190


   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 |


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
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+