Credit Cards

[CribDuchess]

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Ron1 wrote:

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CribDuchess wrote:

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Ron1 wrote:

Thanks for the replies.  I have one Cap1 credit card. I applied for Cap1 Cash Back for excellent credit. I'm sure they pulled HP.  My Tu score was 738. EQ was 801.  No late, no charge-off.

Ron.

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I'm sure you will be approved.  But, I'm curious as to why you didn't just ask to pc your current card to the Cash Back card?  Apping for Cap One when I know they will pull all 3 bureaus gives me the willies! 

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I asked them last year. It is a different tier card and it's for average credit.  It was subprime card and I got them wavied for the annual fee.  The card is No Hassle Rewards MC. They don't that any more.

Ron.

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What are the features of the No Hassle Rewards card?  I'm not seeing it on their website?  Do you have a link for it?

[Ron1]

It is an old card. I think you can combine rewards checking points and credit cards points to redeems gift cards, merchandise, and cash back. I googled it and here is the link:

https://nohasslerewards.capitalone.com/

Ron.

[CribDuchess]

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Ron1 wrote:

It is an old card. I think you can combine rewards checking points and credit cards points to redeems gift cards, merchandise, and cash back. I googled it and here is the link:

https://nohasslerewards.capitalone.com/

Ron.

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Thank you for sharing that link.  I was able to log in on that page and it is showing my existing Cash Rewards card that I just pc'd to.  Interesting.  I guess I'm not fully understanding how the card you applied for is different from the one I pc'd to?  Well, other than the $100 bonus for spending $500.  Now that is something nice!

 

[Ron1]

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CribDuchess wrote:

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Ron1 wrote:

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CribDuchess wrote:

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Ron1 wrote:

Thanks for the replies.  I have one Cap1 credit card. I applied for Cap1 Cash Back for excellent credit. I'm sure they pulled HP.  My Tu score was 738. EQ was 801.  No late, no charge-off.

Ron.

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I'm sure you will be approved.  But, I'm curious as to why you didn't just ask to pc your current card to the Cash Back card?  Apping for Cap One when I know they will pull all 3 bureaus gives me the willies! 

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I asked them last year. It is a different tier card and it's for average credit.  It was subprime card and I got them wavied for the annual fee.  The card is No Hassle Rewards MC. They don't that any more.

Ron.

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What are the features of the No Hassle Rewards card?  I'm not seeing it on their website?  Do you have a link for it?

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Here is the link for the all No Hassle Rewards cards (including cash points, miles):

http://www.capitalone.com/rewards/no-hassle-rewards-explore/

I don't know it's still available to get.

Ron.

[Ron1]

The different one is not 1.5% cash back and it is different tier.  The one I have is not qualified for any CLI or upgrade to another type of card.

Ron.

[CribDuchess]

Thanks Ron.  I was able to confirm that the card I pc'd to has the No Hassle Rewards program.  My upgrade letter from Capital One confirms this.  Thanks for sharing all this information as I had no idea this was a benefit of my card.

This is the letter I got from Cap One after they pc'd/upgraded my card.

After all this, I still sort of think you could have pc'd to this.  Maybe there is still something I'm missing?  Anyway, good luck on your pending app!!

[SnackTrader]

If it helps, Ron.  I applied for the excellent credit version back in June with no baddies, a 4 year AAoA, and no prior revolving history.  I also received a 7-10 day notice, and I didn't find out for 3 or 4 business days that I was approved, even though I called in every day.  But, the good news is that I was approved.  I wish you the best!

[Ron1]

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CribDuchess wrote:

Thanks Ron.  I was able to confirm that the card I pc'd to has the No Hassle Rewards program.  My upgrade letter from Capital One confirms this.  Thanks for sharing all this information as I had no idea this was a benefit of my card.

This is the letter I got from Cap One after they pc'd/upgraded my card.

After all this, I still sort of think you could have pc'd to this.  Maybe there is still something I'm missing?  Anyway, good luck on your pending app!!

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I already have this card. I want something different from that card. This card only gives 1% cash back. It cannot pc/upgrade to another type of card. I had two of them and I closed one of them. I closed the Visa with $2000 CL. I just want to see if I can get out of the subprime territory.

Ron.

[CribDuchess]

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Ron1 wrote:

The different one is not 1.5% cash back and it is different tier.  The one I have is not qualified for any CLI or upgrade to another type of card.

Ron.

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The different one is this new one you applied for or the card you currently have?

[CribDuchess]

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Ron1 wrote:

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CribDuchess wrote:

Thanks Ron.  I was able to confirm that the card I pc'd to has the No Hassle Rewards program.  My upgrade letter from Capital One confirms this.  Thanks for sharing all this information as I had no idea this was a benefit of my card.

This is the letter I got from Cap One after they pc'd/upgraded my card.

After all this, I still sort of think you could have pc'd to this.  Maybe there is still something I'm missing?  Anyway, good luck on your pending app!!

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I already have this card. I want something different from that card. This card only gives 1% cash back. It cannot pc/upgrade to another type of card. I had two of them and I closed one of them. I closed the Visa with $2000 CL. I just want to see if I can get out of the subprime territory.

Ron.

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This card is giving me 1.5% cash back.

In reading your posts, I know that you are wayyyy beyond the subprime territory!