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@asteroidblues86 wrote:If I knew nothing about its reputation on the forums Capital One would of had me really believing they are a Prime Lender. Instant approval online. Fast and easy account management online and with iphone app. Automatic card activation on the phone without having to talk to a person. Pretty good fraud detection department shutting my card down temporarily after two back to back $500 in store charges and notifying me immediately for verification. And finally, domestic CSR redeemed my No Hassle Miles on the telephone. Capital One has a place in my wallet. I pay no annual fee or foreign transaction fee. Plus my super shiny card is attractive.
+1 I thought I was all that and a bag of chips when I got my Cap1 a couple months ago...until I got to myFico forums lol
By way of Cap One EO, they're prime to me. They gave my first big auto-cli 500 to 2.5k through the credit steps program. Potential to PC.
@IECredit wrote:
I'm sorry to say but Cap 1 is blah! I'd never charge anything on mines! There In the SD =)
Me either. Sounds dangerous.
“Beware of little expenses. A small leak will sink a great ship” – Benjamin Franklin
Gardening since 3-26-15
While (at least for many) Cap One isn't "prime", not sure "subprime" applies. In the mortgage crisis, subprime mortgages were those where people were approved/enticed to borrow much more than they could afford to pay back. Not sure anyone here accuses Cap One of flooding them with way too generous credit lines!
@Rackham94 wrote:
@asteroidblues86 wrote:If I knew nothing about its reputation on the forums Capital One would of had me really believing they are a Prime Lender. Instant approval online. Fast and easy account management online and with iphone app. Automatic card activation on the phone without having to talk to a person. Pretty good fraud detection department shutting my card down temporarily after two back to back $500 in store charges and notifying me immediately for verification. And finally, domestic CSR redeemed my No Hassle Miles on the telephone. Capital One has a place in my wallet. I pay no annual fee or foreign transaction fee. Plus my super shiny card is attractive.
+1 I thought I was all that and a bag of chips when I got my Cap1 a couple months ago...until I got to myFico forums lol
+100. I got my Cap One VentureOne just before I joined these forums. I was planning a trip. I didn't know anything about CapOne's reputation as a subprime lender. I made a list of all the pros and cons of five cards including CSP and for my needs (which include NO AF), the VentureOne jumped off the list as the best card of all. Nobody else even close.
Then I applied and got instantly approved and they not only gave me a Visa siggy but my first right out of the box $10k limit. I felt great, partly because their requirements for the card are high. Then I came here and saw everybody looking down their noses.