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heirophant
Posts: 532
Registered: ‎11-25-2007
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Re: Everytime I read the words "crapitol one..."


Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


It does say Signature on it, so I know it would have to be a 5K+ limit.  That seems to be the standard with all creditors.  That being said, I would feel pretty confident that anyone that pulls out any Signature card has decent credit.

FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
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Reelax
Posts: 90
Registered: ‎06-26-2012
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Re: Everytime I read the words "crapitol one..."


heirophant wrote:

Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


It does say Signature on it, so I know it would have to be a 5K+ limit.  That seems to be the standard with all creditors.  That being said, I would feel pretty confident that anyone that pulls out any Signature card has decent credit.


Didn't really answer the question I asked... but ... ok.

Amex Blue 22.7k // Chase Freedom 24.2k // Chase Sapphire preferred 10.7k // Amex Starwood preferred Guest 5k // BofA Cash Rewards Visa 5k // BofA Cash Rewards MC 5k // Discover More 4.2k // Dell Financial Services 7k
Exp 787 // Equifax 784 // Transunion 780
Frequent Contributor
journey258
Posts: 265
Registered: ‎05-28-2012
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Re: Everytime I read the words "crapitol one..."


Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


Honestly, I don't think I'd care. Until I joined this forum I didn't know the difference between the "prestige" of most of the cards out here. I'm pretty sure most people don't. At the end of the day, in the eyes of anyone outside the holder of the card, what matters is the swipe. If the charge is approved, all is well with the world. 

 


Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Valued Contributor
jsucool76
Posts: 2,829
Registered: ‎12-11-2011
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Re: Everytime I read the words "crapitol one..."


Reelax wrote:

heirophant wrote:

Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


It does say Signature on it, so I know it would have to be a 5K+ limit.  That seems to be the standard with all creditors.  That being said, I would feel pretty confident that anyone that pulls out any Signature card has decent credit.


Didn't really answer the question I asked... but ... ok.


Capital One's prime cards (Venture, Cash rewards, and any of their "Excellent" cards) have limits that go well up to the 30k area. Their prime cards are actually fairly decent, and almost none of the excellent cards have AFs except the venture which gets 2pts/$1 (which is pretty decent if you travel a lot ) . Their prime cards compete easily with some of the other prime lenders when it comes to limits, and they aren't necessarily any easier to get just because they are Capital one. 

 

People only get impressed by CSP because it's metal, most people who aren't myfico members have no idea of the credit requirements for CSP, as it doesn't say in the commercials. they go "wow, this looks cool..." nothing about "wow, you must have great credit" or "wow, your limit must be awesome." So they would be more impressed with the look of CSP, but it doesn't necessarily make it more exclusive or mean you have a better credit score. 

Wallet: Capital One Quicksilver 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 3000CL, Walmart Discover: 3500CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 2600CL, Bank Of America Student Travel Rewards: 2700CL, Amex PRG
Established Contributor
heirophant
Posts: 532
Registered: ‎11-25-2007
0

Re: Everytime I read the words "crapitol one..."


Reelax wrote:

heirophant wrote:

Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


It does say Signature on it, so I know it would have to be a 5K+ limit.  That seems to be the standard with all creditors.  That being said, I would feel pretty confident that anyone that pulls out any Signature card has decent credit.


Didn't really answer the question I asked... but ... ok.


Alright, let me spell it out then.  If it says Signature on the card, I would be impressed either way and I would know that is not one of the crap rebuilders.  Chase does not impress me.  They have crappy $300 limits as well.  That is what I started with.  It went to 1k.  I will give them Kudos for that...but then it was stuck there.  The only reason I have 3,500 is that it was combined with an old WAMU account.

FICO's: TU: 682 EX: 688 EQ: Unknown

In my wallet (strikethough are getting the axe soon): Amex Rewards Plus Gold | BECU: 10,000 | AlaskaUSA FCU: 6,900 | Citi Forward 6,500 | BOA Travel Rewards: 5,000 | US Bank Cash+: 5,000 | Merrick: 4,200 | Chase Freedom: 3,500 | Juniper: 3,100 | Household: 2,450 | Best Buy Reward Zone: 2,000 | Cap1: 1,500 | Cap1: 750 | Bailey's Furniture: 3,100 | Lowes: 4,500 | Care Credit: 2,000 | Zales: 1,400 | Kohls: 400 | Sam's: 5,200 | Walmart: 1,100 | Discover More: 1,000
New Contributor
Reelax
Posts: 90
Registered: ‎06-26-2012
0

Re: Everytime I read the words "crapitol one..."


journey258 wrote:

Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


Honestly, I don't think I'd care. Until I joined this forum I didn't know the difference between the "prestige" of most of the cards out here. I'm pretty sure most people don't. At the end of the day, in the eyes of anyone outside the holder of the card, what matters is the swipe. If the charge is approved, all is well with the world. 

 


Excellent point. Although, if the card you are swiping is backed by a bank who doesn't let the card grow with you, maybe it might make a better world to go with another card.

Amex Blue 22.7k // Chase Freedom 24.2k // Chase Sapphire preferred 10.7k // Amex Starwood preferred Guest 5k // BofA Cash Rewards Visa 5k // BofA Cash Rewards MC 5k // Discover More 4.2k // Dell Financial Services 7k
Exp 787 // Equifax 784 // Transunion 780
Valued Contributor
jsucool76
Posts: 2,829
Registered: ‎12-11-2011
0

Re: Everytime I read the words "crapitol one..."

[ Edited ]

From what I've read cap1 treats their "prime" customers a lot better when it comes to offers than they do their subprime customers, so as far as I know, venture would def grow with you. I've seen plenty of people with 25-30k limits on cap1 prime cards. 

 

I'm a subprime card member and they gave me the opportunity to add rewards to my card a week or two after I opened my account, they've been nothing but nice to me. Sometimes I talk to peggy when I call up, but every company has at least one peggy. Most of the time I talk to people who are always willing to help. 

Wallet: Capital One Quicksilver 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 3000CL, Walmart Discover: 3500CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 2600CL, Bank Of America Student Travel Rewards: 2700CL, Amex PRG
New Contributor
Reelax
Posts: 90
Registered: ‎06-26-2012
0

Re: Everytime I read the words "crapitol one..."


heirophant wrote:

Reelax wrote:

heirophant wrote:

Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


It does say Signature on it, so I know it would have to be a 5K+ limit.  That seems to be the standard with all creditors.  That being said, I would feel pretty confident that anyone that pulls out any Signature card has decent credit.


Didn't really answer the question I asked... but ... ok.


Alright, let me spell it out then.  If it says Signature on the card, I would be impressed either way and I would know that is not one of the crap rebuilders.  Chase does not impress me.  They have crappy $300 limits as well.  That is what I started with.  It went to 1k.  I will give them Kudos for that...but then it was stuck there.  The only reason I have 3,500 is that it was combined with an old WAMU account.


Have you tried PCing your Chase to a different type of rewards card? They usually give you options unlike Capitol One.

Amex Blue 22.7k // Chase Freedom 24.2k // Chase Sapphire preferred 10.7k // Amex Starwood preferred Guest 5k // BofA Cash Rewards Visa 5k // BofA Cash Rewards MC 5k // Discover More 4.2k // Dell Financial Services 7k
Exp 787 // Equifax 784 // Transunion 780
Frequent Contributor
journey258
Posts: 265
Registered: ‎05-28-2012
0

Re: Everytime I read the words "crapitol one..."


Reelax wrote:

journey258 wrote:

Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


Honestly, I don't think I'd care. Until I joined this forum I didn't know the difference between the "prestige" of most of the cards out here. I'm pretty sure most people don't. At the end of the day, in the eyes of anyone outside the holder of the card, what matters is the swipe. If the charge is approved, all is well with the world. 

 


Excellent point. Although, if the card you are swiping is backed by a bank who doesn't let the card grow with you, maybe it might make a better world to go with another card.


That's my whole point! Get another card. Don't dump on the one that's taken you as far as it can. That's all I'm saying. 


Current Score:652 EQ (Beacon 5.0), 647 EX, 647 EQ, 693 TU (USAA CMS), 684 TU (Walmart)
Goal Score:700 across the board

My Wallet: NFCU cashRewards Sig ($14k); Chase SW RR Sig ($6); USAA Cash Rewards MC ($2k); USAA Plat MC ($2k); USAA AMEX ($2k) GE/JC Penney ($4.4k); Chase Freedom ($1.5k); GE/Lowes ($1.8k); GE/Amazon ($1.7k); GE/Walmart ($5k); Cap 1 ($1k); Comenity/LB ($1K); Dillards AMEX ($2.1k)
Valued Contributor
jsucool76
Posts: 2,829
Registered: ‎12-11-2011
0

Re: Everytime I read the words "crapitol one..."


journey258 wrote:

Reelax wrote:

journey258 wrote:

Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


Reelax wrote:

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?

 

 


Honestly, I don't think I'd care. Until I joined this forum I didn't know the difference between the "prestige" of most of the cards out here. I'm pretty sure most people don't. At the end of the day, in the eyes of anyone outside the holder of the card, what matters is the swipe. If the charge is approved, all is well with the world. 

 


Excellent point. Although, if the card you are swiping is backed by a bank who doesn't let the card grow with you, maybe it might make a better world to go with another card.


That's my whole point! Get another card. Don't dump on the one that's taken you as far as it can. That's all I'm saying. 


And even if you do dump your first card (if it has AF or something) if the company was still the first one to extend you credit you shouldn't hate on them. 

Wallet: Capital One Quicksilver 3500CL, Wells Fargo Cash Back College Visa: 900CL, Paypal Smart Connect: 3000CL, Walmart Discover: 3500CL, UPromise Mastercard: 1000CL, Chase Slate: 500CL, Discover IT: 2000CL, Citi Forward: 2600CL, Bank Of America Student Travel Rewards: 2700CL, Amex PRG

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