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Frequent Contributor
Posts: 455
Registered: ‎01-04-2012
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Re: Capital one executive sucks

ok somehow i mis read that part ok best of luck to you!

Valued Member
Posts: 49
Registered: ‎11-13-2012
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Re: Capital one executive sucks

they suck because they don't want to PC my card to a venture card

Credit Cards:Amex BCE $5K. Amex costco $15K,Chase Freedom $1K, Discover $4K,Discover it $1.7K Cap1 $2.5K, Cap1 $1.5K, Cap1 visa $1K, BBRZMC $300, BNFL $1450, Cap1 $2K. BRCU $1K.chevrom visa $3.3K, toyrus visa $6.3K,walmart DC$2.4k,Gap vs$4k

Store Card.Walmart $3.3K,Amazon $3.5K, Old Navy $4.7K, KOHLS $500, The Children's Place $325. Target $700, Express $1.15K. paypal SC $1.8K, MACYS $2.5k
Established Contributor
Posts: 723
Registered: ‎04-20-2012
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Re: Capital one executive sucks


journey258 wrote:

joshy wrote:

I have been with capital one for 1 1/2 years with the same CL of  $1500 try calling back door # and no luck so I send them an email yesterday that goes like this

 

 To whom this may concern:

 
Let me start by say thank you for giving me a chance with a credit card a year and a half ago.
I am a current capital one customer, I have a checking account and a few credit card, A sharebuilder account for Stocks with your company, already closed 3 credit card as of today out of anger.
I was looking to change my current credit card ending in 1994 to a venture card I was told that its not possible to do so.
all I'm asking is for a product change on my credit card with a credit limit increase up to $3,500.
so far this year a have charge $8,139.00 on a card that only has a $1,500 credit limit paying my credit cards bills every week
if I'm not a good customer than I guess I will take my business somewhere else 
 
credit cards that I currently have:
 
American Express           $5000. Credit limit
Discover                         $1500. Credit limit
chase freedom                $1500. Credit limit
Amazon chase visa          $1000. Credit limit   
Citi Diamond Preferred     $4000. Credit limit
plus a few store card
 
 
 
will I get the CLI or not...

Honestly, I'd be turned off by the tone of your email. It sounds very "entitled."


To be honest, I think his tone is fine considering every rep i spoke to (account specialist, senior account manager, case manager, executive office) their tone of voice was not very good. Bank of America and Discover have way better customer service. Even though they gave me credit first when noonelse would, Capital One can kick rocks and go bankrupt for all i care! I hope they honor your request OP.

Discover IT TU Score: 739 as of 4/20/14 | TU Score as of 1/5/14 - 710 | EQ Score as of 1/5/14 - 748 | Ex Score as of 1/5/14 - 728

Capital One QuickSilver MC $4.5K | Amazon $1.8K (CLOSED) | Walmart $5K | Paypal SC w/Debit card $5K (CLOSED) | BOA 123 Cash Rewards Sig $5K | BOA BBR $1K | Discover IT $13K | AMEX Sr Green Charge (NPSL) | PNC CashBuilder $1.5K | Paypal Extras MC $6k | PNC Auto Loan $20,038.75 | AMEX SimplyCash Biz CC $3k | BOA Cash Rewards Biz CC $3.5K | Chase Freedom $4.5K | CapOne Spark BIZ Cash Select Visa Sig $5k | AMEX SimplyCash Biz CC $10k (LLC) | AMEX Everyday $2k |
Valued Contributor
Posts: 1,673
Registered: ‎11-11-2012
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Re: Capital one executive sucks


linux007969 wrote:

. Even though they gave me credit first when noonelse would, Capital One can kick rocks and go bankrupt for all i care! I hope they honor your request OP.

I don't think people are giving enough credit to Capital One for this, that they do in fact give people credit when no-one else will, which is huge!  So they take risks with people early on in their credit life, and then they are not generous with CLIs.  So rather than hate on Capital One (and Crapital One etc gets old rather quickly), give them kudos for what they did, then move on to other suppliers.  No need to hate.

Established Contributor
Posts: 1,837
Registered: ‎08-20-2012
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Re: Capital one executive sucks

+1

Regular Contributor
Posts: 137
Registered: ‎10-12-2012
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Re: Capital one executive sucks

@joshy: Dont feel too bad because I had my Cap1 for 12 years with the same $500. Recently emailed them and got approved for CLI.

One note to you: They'll ask you what is the max and min you're looking for. Try to keep the Min not too low from the Max because chances are they'll approve you for the Min. At least that happened to my case (Max: 5K, Min: 3K. Approved CL: $3K.

 

Good luck!!!

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Valued Member
Posts: 49
Registered: ‎11-13-2012
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Re: Capital one executive sucks

@pt2005 ,when they call me she ask me my low and my max i told them 3000 min and 5000 max 

Credit Cards:Amex BCE $5K. Amex costco $15K,Chase Freedom $1K, Discover $4K,Discover it $1.7K Cap1 $2.5K, Cap1 $1.5K, Cap1 visa $1K, BBRZMC $300, BNFL $1450, Cap1 $2K. BRCU $1K.chevrom visa $3.3K, toyrus visa $6.3K,walmart DC$2.4k,Gap vs$4k

Store Card.Walmart $3.3K,Amazon $3.5K, Old Navy $4.7K, KOHLS $500, The Children's Place $325. Target $700, Express $1.15K. paypal SC $1.8K, MACYS $2.5k
Regular Contributor
Posts: 137
Registered: ‎10-12-2012
0

Re: Capital one executive sucks

[ Edited ]

Then congrats! I think you get the $3K.

Another note is ask for/keep the name of the Exec officer who deals with you and ask her would she be ok if you call in 6 months from now to follow-up/touchbase since you are confident that your score will be much better 6 months from now. She will say yes. Next time to call in, ask for that person.

FICO Scores 8: EX 731, EQ 731, TU 725

Credit Cards: Chase Freedom 9.5K | AMEX TrueEarnings 4.5K | Cap1 Venture Visa 3.5K | Cap1 QS MC 3.5K | Discover IT 1K | Cap1 Spark Cash 15K | AMEX SimplyCash 9K

Store: PayPal SmartConnect 10K | JCP 5.2K | Banana 3.3K | Walmart 4.5K | Kohls 1.5K | TargetRED 200
Valued Member
Posts: 49
Registered: ‎11-13-2012
0

Re: Capital one executive sucks

@pt2005: i already have her name and privite number and she told me that i could call her anytime 

Credit Cards:Amex BCE $5K. Amex costco $15K,Chase Freedom $1K, Discover $4K,Discover it $1.7K Cap1 $2.5K, Cap1 $1.5K, Cap1 visa $1K, BBRZMC $300, BNFL $1450, Cap1 $2K. BRCU $1K.chevrom visa $3.3K, toyrus visa $6.3K,walmart DC$2.4k,Gap vs$4k

Store Card.Walmart $3.3K,Amazon $3.5K, Old Navy $4.7K, KOHLS $500, The Children's Place $325. Target $700, Express $1.15K. paypal SC $1.8K, MACYS $2.5k
Valued Contributor
Posts: 1,978
Registered: ‎04-07-2009
0

Re: Capital one executive sucks

[ Edited ]

Joshy

I went  to the Capital One web site in order to get a venture card you need excellent credit . Their definition of excellent credit is 

 

1) You have been 60 days late on any type account in the last year

2) Never declared bankruptcy or defaulted on a loan. ( defaulted is been late)

3)  I have had a loan or credit card with a credit limit of $5000 or more for at least three years.

 

Do you meet this criteria? The other concern they might have is all the recent credit accounts you have opened recently.

 

 

 

 

Equifax My FICO score 815 5/28/2012, 818 on 7/28/2014 . Average of Accounts 12 years and no Installment accounts. MyFICO TU 810 6/26/2012 809 4/21/2013 MyFICO XPN -805. 2/26/2014 Discover TU FICO 813 App free since 9/2011
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