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Capital one executive sucks

Valued Contributor

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) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 31 of 61
Valued Member

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
Message 32 of 61
Valued Member

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
Message 33 of 61
Established Member

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
Message 34 of 61
Valued Contributor

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) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 35 of 61
Valued Member

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
Message 36 of 61
Valued Contributor

Re: Capital one executive sucks

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

In My Wallet: Amex BCP (12/12) $50,000, Chase Freedom (12/12) $16,500, Cap1 Quicksilver (6/12) $14,000, Barclaycard Rewards (5/13) $10,500, Citi Prestige (4/16) $30,000

Last App: June 27, 2015
Message 37 of 61
Valued Member

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
Message 38 of 61
Valued Contributor

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 15k | BOFA 123 6k |
Chase Freedom 1.5k | Amazon 3K | Walmart 3K | Buckle 300 | AMEX BCE 2.5K | CHASE CSP 12K | CITI sears 6k | Kay 2k

On the prowl for Chase Sapphire Preferred! APPROVED 12K!
scores 7/14 647 622 630 (85%util)
scores 8/14 767 760 758 Boom! finally in the 700 club
Message 39 of 61
Highlighted
Established Contributor

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!!!


Message 40 of 61