Reply
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Capital one executive sucks

Do you think that they might be hesitant given that just 13 months ago you were considered a heightened risk? I agree with others that your reasoning isn't very strong. They gave you $1,500 (probably the highest at the time) and you only have 2 brand new accounts with limits higher than that. You haven't really shown that you can handle more credit just yet. You have only shown you are able to obtain more credit. There's a difference.

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Member
joshy
Posts: 49
Registered: ‎11-13-2012

Re: Capital one executive sucks

@kevinblock55: ESL i speak 5 languages
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 Member
joshy
Posts: 49
Registered: ‎11-13-2012

Re: Capital one executive sucks

I also have 2 car leases worth $68, 000
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 Member
KevinBlock55
Posts: 74
Registered: ‎07-10-2012

Re: Capital one executive sucks

Well perhaps they see TOO much credit. Cap1 goes out on limb to provide people with less than stellar credit, credit. But they aren't know to foolishly allow someone to over-extend
Valued Contributor
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Capital one executive sucks

Well then we get to another problem, which is does your income fully support your current debt obligations as well as any potential use of your thousands upon thousands in revolving available credit?

I hope you get what you want, I suppose. But please step back and look at this issue from the company lending you money. They see a borrower with significant debt obligations and who is racking up a lot of revolving credit which they can use to their heart's content. They don't know who you are, they only know the risk you pose, and that risk is financial loss. So make sure you keep that in mind.

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Member
joshy
Posts: 49
Registered: ‎11-13-2012

Re: Capital one executive sucks

My income is $110, 500. Per year not counting bonuses
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
SnackTrader
Posts: 1,563
Registered: ‎09-15-2012

Re: Capital one executive sucks

Interesting. May I ask what you do? That's great money.

In My Wallet: Amex BCP (12/12) $22.200, Chase CSP (4/14) $12,000, Barclaycard Arrival (5/13) $10,500, Citi Forward (12/12) $9,600, Cap1 Cash Rewards (6/12) $9,000, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Valued Member
joshy
Posts: 49
Registered: ‎11-13-2012

Re: Capital one executive sucks

Pharmacists
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
rootpooty
Posts: 1,711
Registered: ‎10-28-2011

Re: Capital one executive sucks

Take this with a grain of salt but your not going to get anywhere with that email.  Members created the Cap executive office number thread for those that have been with them for years with the same cl and in my opinion are entitled to a cli cause they carry much larger limits on other accounts and wanted to stay with capital one.  If you claim you have 25k+ in available credit with other accounts I ask why bother with cap one then?  You have way too much new credit opened up recently my advise is back off on the apping cause it will lead to a potential creditor shutting you down.

 

Credit is a privilege not a right.

NFCU plat 5k | NAVCHECK 5k | NFCU cashrewards 3k | BOFA 123 3k |
Chase Freedom 1.5k | Amazon 1800 | Walmart 1450 | Buckle 300

On the prowl for Chase Sapphire Preferred!
Established Contributor
toppers555
Posts: 550
Registered: ‎09-28-2012

Re: Capital one executive sucks

good luck , but compared to few cards in you sig ( I know you said you have more) those are pretty low limits. 



TU 715 No apps to 05/13 cash+ 5/13!!! 738 TU CSP April 13!!!CSP approved May 13!!!



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+