Had my oldest CapOne card for 40 months, have gotten 2 CLI's both auto in the first year because of the steps program, No AF. Have pushed over 3000 though the 2k limit in a single month. Have done PIF, and carried a balance, always paid many times the minimum wage each month, No lates on any credit account ever, Still CLI's are refused and no new auto-CLI's, Only keep it because of no AF, and only 11% interest which is excellent for a near rebuilder card along with zero fee BT's. No offers ever to upgrade. There Customer service is decent if you dont'e expect CLI, they are there to resolve lost cards and possible fraudulent charges.
Wallet: FNBO DISC 9.5k, , Chase Freedom 3.3k & Slate 3.3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & AMEX Zync NPSL, Walmart 3.3k, CapOne AU 1.5k
Open123 wrote:
CreditChampion wrote:Capital One instant for 10k???? Since when lol....what are your scores and do you have direct deposite with them?
818 Fico with $100K deposited in a low interest bearing 5 year CD with 3% surrender penalty. j/k
Sorry, couldn't resist.
These Cap One rips never get old, but I've always had a good experience with them. I've never asked for CLIs, nor have I ever had to call customer service for anything.
I want to be you, but until then I have to deal with no CLIs... ... ... etc.
They love telling me they are a conservative lender. A conservative lender does not lend to people with damaged credit history is the only replay needed when they say that.
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