Reply
Established Contributor
Posts: 900
Registered: ‎07-17-2012
0

I don't want to talk to "Peggy" at Cap 1, or her brother...

I kind of have a simple question for Cap 1. Last time I called I got "Peggy" (thought she was fired). She gave me one answer that I didn't feel 100% about. I got her brother when I called tonight. I thought all Cap 1 calls were going to their call center in the US that is staffed by American representitives. Nothing against our foreign friends but sometimes an American talking to another American just makes things go a little better. Like when someone in another country calls and talks to someone in their country. 

 

I'm wondering if I should do something that I've done with DirecTV. That was ask for an American representive. Not like I'm concerned about that person taking me off of their Christmas card list.


|****$8000****|****$6000*****|****$6000*****|****$2500****|****$1600****|****$3000*****|*****$1400*****|****$1350*****|
EX - 679 (MyFico 1/31/15) TU - 663 (Walmart 1/31/15 ) EQ 04 - 710 (DCU -1/30/15) EQ 08 - 684 (MyFico -12/04/14)
Valued Contributor
Posts: 2,300
Registered: ‎01-22-2012
0

Re: I don't want to talk to "Peggy" at Cap 1, or her brother...


masscredit wrote:

I kind of have a simple question for Cap 1. Last time I called I got "Peggy" (thought she was fired). She gave me one answer that I didn't feel 100% about. I got her brother when I called tonight. I thought all Cap 1 calls were going to their call center in the US that is staffed by American representitives. Nothing against our foreign friends but sometimes an American talking to another American just makes things go a little better. Like when someone in another country calls and talks to someone in their country. 

 

I'm wondering if I should do something that I've done with DirecTV. That was ask for an American representive. Not like I'm concerned about that person taking me off of their Christmas card list.


It's CapOne. They're not exactly known for their stunning CS.

FICOs: EX: 826, EQ: 817, TU: 810
Bank of America Privileges with Travel Rewards Visa Signature - $23,200 CL
Chase Sapphire Preferred Visa Signature - $12,700 CL
Chase United MileagePlus Club World Elite MasterCard - $26,500 CL
Citibank American Airlines Executive World Elite MasterCard - $22,500 CL
J.P. Morgan Ritz Carlton Visa Signature - $23,500 CL
Moderator
Posts: 26,770
Registered: ‎09-13-2012
0

Re: I don't want to talk to "Peggy" at Cap 1, or her brother...

Valued Contributor
Posts: 7,035
Registered: ‎10-21-2012
0

Re: I don't want to talk to "Peggy" at Cap 1, or her brother...


CreditScholar wrote:

masscredit wrote:

I kind of have a simple question for Cap 1. Last time I called I got "Peggy" (thought she was fired). She gave me one answer that I didn't feel 100% about. I got her brother when I called tonight. I thought all Cap 1 calls were going to their call center in the US that is staffed by American representitives. Nothing against our foreign friends but sometimes an American talking to another American just makes things go a little better. Like when someone in another country calls and talks to someone in their country. 

 

I'm wondering if I should do something that I've done with DirecTV. That was ask for an American representive. Not like I'm concerned about that person taking me off of their Christmas card list.


It's CapOne. They're not exactly known for their stunning CS.


LOL @ CreditScholar.

 

OP... you may have better luck with "Peggy" and her staff.... What is problem please?

 

 

Established Contributor
Posts: 900
Registered: ‎07-17-2012
0

Re: I don't want to talk to "Peggy" at Cap 1, or her brother...

I'm looking at possibly changing my payment and statement dates. Current payment date is the 25th with a statement date of the 29th (guess it closed a day early).  First time I called I was told that if I didn't have a balance on the statement when I do the change, that statement would run long. I'm looking at a due date of the 19th and statement date of the 24th so it would run 7 weeks. If I did have a balance, the following statement would run long. Something about a statement has to be "x" number of days long (25 or 30 days minimum). 

 

The person that I spoke to tonight said that nothing would change on this statement (my balance is zero). But the next one in October would be short (3 weeks). 

 

Two people, two different answers.  Maybe I'll try again tomorrow. 


|****$8000****|****$6000*****|****$6000*****|****$2500****|****$1600****|****$3000*****|*****$1400*****|****$1350*****|
EX - 679 (MyFico 1/31/15) TU - 663 (Walmart 1/31/15 ) EQ 04 - 710 (DCU -1/30/15) EQ 08 - 684 (MyFico -12/04/14)
Epic Contributor
Posts: 22,721
Registered: ‎10-23-2007
0

Re: I don't want to talk to "Peggy" at Cap 1, or her brother...

Unless the 1 month of reporting would mess you up for some app, just have the funds to make the minimum if it's due earlier than normal and do the catch up on the following month of your change... (based on if it cut you faster by making the switch) seems easier to just make 2 payments in a month or what ever IF you have to vs. trying to get "peggy" to give you correct answer :smileyhappy:

Fico Scores: EQ- 662 DCU., TU 704 Best Buy, EX 700 Chase (1/5/15)
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: Target $200
67 Cards and Counting :smileytongue:
Established Contributor
Posts: 900
Registered: ‎07-17-2012
0

Re: I don't want to talk to "Peggy" at Cap 1, or her brother...

I have $0.00 balance on the card but... I might be giving it some use so I need to know when the statement is going to cut.  The last time I changed a statement closing date for a different Cap 1 card, that statement went long. 


|****$8000****|****$6000*****|****$6000*****|****$2500****|****$1600****|****$3000*****|*****$1400*****|****$1350*****|
EX - 679 (MyFico 1/31/15) TU - 663 (Walmart 1/31/15 ) EQ 04 - 710 (DCU -1/30/15) EQ 08 - 684 (MyFico -12/04/14)
Established Contributor
Posts: 900
Registered: ‎07-17-2012
0

Re: I don't want to talk to "Peggy" at Cap 1, or her brother...

I just called and got a very nice/helpful American representitive.  She said that by law, they are required to give consumers a certain number of days to make their payment so by me changing my due date, the statement would run long and not close until the new date in October. 

 

Glad to clear that up :smileyhappy: 


|****$8000****|****$6000*****|****$6000*****|****$2500****|****$1600****|****$3000*****|*****$1400*****|****$1350*****|
EX - 679 (MyFico 1/31/15) TU - 663 (Walmart 1/31/15 ) EQ 04 - 710 (DCU -1/30/15) EQ 08 - 684 (MyFico -12/04/14)

Get a myFICO recommended credit card

Copyright ©2001-2013 Fair Isaac Corporation.
All rights reserved.

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions based on Experian or Equifax data (additional FICO® Score versions based on TransUnion data are not currently available on myFICO.com). Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.