I also disagree. My old Orchard moved from $320 to $10,000 with 2 different calls/CLI's from EO in 6 months
OMG you have got to be kidding me. That's huge - maybe I should try one more time.
I guess I feel a slight loyalty to Cap 1 since without that HSBC card, I wouldn't have climbed the fico scale at all; then my 2nd card was the QS. Also, through a lot of hard work, emailing the CEO, etc. they DID take off a tradeline that was a write off since I was a "loyal" Cap 1 member with 2 cards.
I've since graduated nicely. I'll never have the huge CL's some have because I'm on a fixed income, but without those initial 2 cards, I wouldn't have done it. That being said, I don't use the cards at all anymore. In fact they owe me money. I won't close them, but I'll never use them again - why should I with 0% on a few cards for about the next 18 mos or so?
@TeeGee wrote:I also disagree. My old Orchard moved from $320 to $10,000 with 2 different calls/CLI's from EO in 6 months
OMG you have got to be kidding me. That's huge - maybe I should try one more time.
I guess I feel a slight loyalty to Cap 1 since without that HSBC card, I wouldn't have climbed the fico scale at all; then my 2nd card was the QS. Also, through a lot of hard work, emailing the CEO, etc. they DID take off a tradeline that was a write off since I was a "loyal" Cap 1 member with 2 cards.
I've since graduated nicely. I'll never have the huge CL's some have because I'm on a fixed income, but without those initial 2 cards, I wouldn't have done it. That being said, I don't use the cards at all anymore. In fact they owe me money. I won't close them, but I'll never use them again - why should I with 0% on a few cards for about the next 18 mos or so?
Recon, a lot of posts are suggesting that CapOne is loosening up the purse strings lately 
@dallasjetfan wrote:Cut them loose. Thats what I will be doing soon.
+1
Crap1 sure has an uncanny way of making the many bitter while making the few completely satisfied. Beats all i ever saw in a CC/Bank Lender 
@TeeGee wrote:
I just 'chatted' and requested a reduction in interest. I got the whopping 15.99% APR on 1 card only (the newest one; quicksilver) for ONLY SEVEN MONTHS!! After that it goes back to almost 20%.
Are you planning on carrying a balance? If not, then the APR is entirely pointless. If you are planning on carrying a balance, 16% is still highway robbery.
I dont pay any mind to APRs unless they're 0% offers. Unsecured loans are almost always the worst way to finance something. No offense.
I had gotten my QS1 card as a builder card and at the time the only other cards I had were even less than sub prime Credit One and 1st Premier (yes when i first started my credit portfolio I was dumb and didn't know any better) but both those cards were $500 and I was approved for the QS1 with a $300 line in the Credit Steps. I immediately hit the love button and got a letter in the mail stating my account was uneligible for an increase because its too new. Well I called EO and explained that I would have no use for that card because one trip would max it out. They told me that after 5 months I'd get an auto increase, but I told them that was too far off and they said they would call me back and when they did she said that the most she could do is $1K right now but after 5 months it would go up again and I agreed. So even though its not a great CL I think they were pretty good considering I had just opened it and didn't have any other competitive cards! After a few months I went on a spree and got Chase, Citi, BOA, AMEX, and Discover so I have to think that Capital One did help in me being able to get those cards and dump my crappy credit one and premier. I think they are really for rebuilding and probably never gonna be my go to card with the other prime cards i have but they did serve the purpose of why i got them to begin with so I'm satisfied with that.
@CreditMagic7 wrote:
@dallasjetfan wrote:Cut them loose. Thats what I will be doing soon.
+1
Crap1 sure has an uncanny way of making the many bitter while making the few completely satisfied. Beats all i ever saw in a CC/Bank Lender
It's like life, some people are just never satisfied.