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Senior Contributor
youngandcreditwrthy
Posts: 6,213
Registered: ‎08-16-2012
0

Crapital One is dummmbbb

Two things:

I paid 7 cents over my balance and they auto-sent me a credit refund check. Lol wasteful

2nd: pretty sure they perm reduced my apr to 13.9%. stiilllll no cli though. Mehhh
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Epcot
Posts: 2,784
Registered: ‎10-10-2012
0

Re: Crapital One is dummmbbb

Well at least your APR was lowered, congrats on that!

Starting Score: EQ 717 EX 724 TU 736
Current Score: EQ 809 EX 774 TU 805
App free since 4/11/13
Frequent Contributor
Imua
Posts: 292
Registered: ‎01-17-2009
0

Re: Crapital One is dummmbbb

i haven't heard of very many apr reductions  - congrats on that


BofA visa $9.4k ... BofA Cash Rewards visa sig $10k ... Cap 1 Venture1 visa sig $10k ...
Chase Freedom visa $10k ... Macy's $1.5k ... Macy's Amex $5k ... Sam's Club $6.3k
myFICOs as of 3/25/14:...EX=809 .... EQ=802....TU=787
Valued Contributor
Jutz
Posts: 1,216
Registered: ‎05-10-2012
0

Re: Crapital One is dummmbbb

They sent you money and gave you an ultra rare APR reduction. They have short comings of course, but this isn't really one of those situations.

  • Current: EQ FICO 694, TU FICO 695, EX FICO 698 | Starting Score: 525 (05/2012)
  • Starting total revolving credit: $1100 | Current total revolving credit: $29,500
  • Inquiries (12 Months): EQ 6 TU 3 EX 6 | Most Recent: 1/21/2014
Chase Freedom $5000
DCU Visa $10000
Capital One QS $2000
AMEX BCE $1000
Lowe's CC $8500
WalMart CC $2400
BOA Platinum $600
AMEX Gold NPSL
Senior Contributor
youngandcreditwrthy
Posts: 6,213
Registered: ‎08-16-2012
0

Re: Crapital One is dummmbbb

LOL it was 17.9%, but has been as low as 5.9%. i'm being petty I know, but while thay rate is good... My crappy $1300 limit is still my lowest :-(
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Established Contributor
ccnewcc
Posts: 560
Registered: ‎09-29-2012
0

Re: Crapital One is dummmbbb


youngandcreditwrthy wrote:
Two things:

I paid 7 cents over my balance and they auto-sent me a credit refund check. Lol wasteful



That is pretty ridiculous.  lol.  Couldn't they have just carried over that 7 cent over pay to the next billing cycle

Mega Contributor
LS2982
Posts: 15,434
Registered: ‎04-09-2011
0

Re: Crapital One is dummmbbb

Why so salty about Cap1? Give it time you'll get a CLI!!



Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Epic Contributor
Creditaddict
Posts: 20,187
Registered: ‎10-23-2007
0

Re: Crapital One is dummmbbb


youngandcreditwrthy wrote:
Two things:

I paid 7 cents over my balance and they auto-sent me a credit refund check. Lol wasteful

2nd: pretty sure they perm reduced my apr to 13.9%. stiilllll no cli though. Mehhh

I don't have a thing to say about Capital One but OH MY GE... I love me some GE but what sexual favors to I have to do to get GE to LOVE me like they love you!

I have NEVER seen so many GE accounts with similar Credit Lines that are above the $2k on almost ALL cars a person has... and you practically have $10k! NICE.

 

Sorry, back to Cap1 :smileytongue:

Fico Scores: EQ- HATE U, TU 671 GE, EX 669 Chase(09-15-14)
You will have to put up Electric Fence to keep me in the garden!
Highest Limit: Navy Federal Cash Sigi Visa $50k (AU)
Lowest Limit: Walmart $400
Over 45 Cards in between :smileytongue:
Contributor
firesoul453
Posts: 147
Registered: ‎08-24-2012
0

Re: Crapital One is dummmbbb

Hey 7 cents is how much I earned last month from my savings account!

 

But thats wierd. I can pay up to 10% more than I owe (not the total CL) and it carries over on my cap1.

My ultimate credit wish,
a JP Morgan Palladium card
Senior Contributor
youngandcreditwrthy
Posts: 6,213
Registered: ‎08-16-2012
0

Re: Crapital One is dummmbbb

Lol!!!!! Almost five years since I've had a cli :-X.

Lol!! Yeah ...a .07 check???? Bahaha. Oh well... Their waste of at least .40-.50 on a stamp..plus paper and ink hahaha.

I fig'ed out early on building my credit that GECRB backed cards would build quickly.... It's only been in the last couple of months that I was able to get over the $10k mark via asking uw directly lol.... The thing that sucks with GE is that most of their cards, even the Visa/mc/discvr versions have sky high aprs! Of course, they mostly have min spend requirements to get 0% for a specific period of time typically.

Thanks!
Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| Wmt Discover $12.5k | BR Visa $12.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Arrival $12.7k | Smile Gen $7.25k | Dillard's $5k| West Elm $4k| Express $3.05K | Mypoints.com Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k

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