Reply
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
0

Capital One up to it's old habits

I emailed the ExO about 6 months ago to get a credit limit increase and an annual fee wavier both of which were taken care of.  Three months ago I took advantage of their 0% APR for 12mos BT.  Logged into today and I see they not only slapped me with a $39.99 AF but they also charged me a minimum finance charge for that 0% BT.  It's not interest, but is that the norm?  Past two months I have not recieved any finance charge what so ever.  The kicker is I can't even log back into the site now, keeps hanging.  ExO is gonna get an earful.  I'm done with CrapOne.  Once I resolve this, they will get no use from me.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Regular Contributor
Posts: 148
Registered: ‎07-19-2012
0

Re: Capital One up to it's old habits

When they waive the fee, it's for that cycle so if your AF pop's up say this month, it would charge you the annual fee, as a cardmember you should know this best. You know the drill, email the EO and ask this time instead of a CLI that they remove your AF and explain to you the finance charge. Best of luck.

 

JP


TU:552 | EQ:561 | EX:567 | Starting Score [LP from 08]
TU:693 | EQ:682 | EX:700 | Current Score [11.21.13]
[720 Overall] Goal Score - The grass is greener in the garden! (Amex made me fall out... since 12.13)

Take the myFICO Fitness Challenge
Frequent Contributor
Posts: 367
Registered: ‎06-02-2008
0

Re: Capital One up to it's old habits

Threw them a social media blast.  They've already got my accounts flagged, EO will contact me directly.  PITA, what are ya gonna do about it?  AMEX and Chase has never given me this much grief.  Oh well.


AmEx PRG (NPSL) | AmEx Costco ($8.2K) | AmEx Delta Gold ($19.3K) | AmEx BCE ($5K) | Chase United Explorer ($10K) | Chase Sapphire Preferred ($7.5K) | Chase Freedom ($8.2K) | Discover it ($3K) | Capital One Quicksilver ($2.5K) | PayPal Extras ($2.5K) | Lowes ($3.3K) | Walmart ($4.3K) | Amazon ($2.5K) | Restoration Hardware ($8.8K) | Crate & Barrel ($8.3K)
--
Homeowner since 05/29/13
Contributor
Posts: 90
Registered: ‎10-13-2012
0

Re: Capital One up to it's old habits

That's too bad. Capital One is probably the worst "prime" lender IMO, followed by Barclays.


     $1500            $1500             $2500             $2500             NPSL         
Starting EQ: 646 - Current EQ: 693 - Goal EQ for 12/2013: >720
Gardening from 7/2013 until 1/2014
Member
Posts: 65
Registered: ‎06-10-2013
0

Re: Capital One up to it's old habits

[ Edited ]

528491 wrote:

That's too bad. Capital One is probably the worst "prime" lender IMO, followed by Barclays.


I agree with you ..I have two CC with them and can't wait to sock drawer them..

AMEX GREEN [NPSL] ::: DISCOVER IT [$7800] ::: CHASE SAPPHIRE [$5000] ::: CHASE FREEDOM [$5000] ::: BARCLAYCARD ARRIVAL WMC [$5000] ::: CAP 1 VENTUREONE [$3000] ::: AMEX DELTA GOLD [$2000] ::: CAP 1 QS1 [$1250] ::: BOA CASH REWARDS [$1000] ::: CAP 1 PLATINUM [$750] ::: MACY'S RED CARD [$500]
Regular Contributor
Posts: 148
Registered: ‎07-19-2012
0

Re: Capital One up to it's old habits

Is cap one really considered a prime lender? I didn't think they earned that distinction, I don't know for me I kind of like the challenge in getting them to help their customer. I wish that they had the customer service reputation of some of the prime lenders sure but at the end of the day if I'm not being unreasonable with them I expect to be able to walk away with my needs seen to.

 

JP


TU:552 | EQ:561 | EX:567 | Starting Score [LP from 08]
TU:693 | EQ:682 | EX:700 | Current Score [11.21.13]
[720 Overall] Goal Score - The grass is greener in the garden! (Amex made me fall out... since 12.13)

Take the myFICO Fitness Challenge
Regular Contributor
Posts: 120
Registered: ‎03-14-2013
0

Re: Capital One up to it's old habits


SpeeDj wrote:

Is cap one really considered a prime lender? I didn't think they earned that distinction, I don't know for me I kind of like the challenge in getting them to help their customer. I wish that they had the customer service reputation of some of the prime lenders sure but at the end of the day if I'm not being unreasonable with them I expect to be able to walk away with my needs seen to.

 

JP


IMO they are pseudo-prime. They have some prime products like the Venture and Cash Rewards (for excellent credit) but the majority of their products are tailored to those that are new to credit or rebuilding. I had a Cap One card briefly and was extremely dissatisfied with their customer service, or lack thereof, to the point I just closed my card and moved on.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on actual applicant approvals and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.