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Established Contributor
masscredit
Posts: 858
Registered: ‎07-17-2012
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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 - 657 (MyFico 10/02/14) TU - 657 (Walmart 11/08/14 ) EQ 04 - 701 (DCU -11/28/14) EQ 08 - 684 (MyFico -12/04/14)
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CreditScholar
Posts: 2,300
Registered: ‎01-22-2012
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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.

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09Lexie
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Re: I don't want to talk to "Peggy" at Cap 1, or her brother...

Valued Contributor
FinStar
Posts: 6,955
Registered: ‎10-21-2012
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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
masscredit
Posts: 858
Registered: ‎07-17-2012
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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 - 657 (MyFico 10/02/14) TU - 657 (Walmart 11/08/14 ) EQ 04 - 701 (DCU -11/28/14) EQ 08 - 684 (MyFico -12/04/14)
Epic Contributor
Creditaddict
Posts: 22,093
Registered: ‎10-23-2007
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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:

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Established Contributor
masscredit
Posts: 858
Registered: ‎07-17-2012
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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 - 657 (MyFico 10/02/14) TU - 657 (Walmart 11/08/14 ) EQ 04 - 701 (DCU -11/28/14) EQ 08 - 684 (MyFico -12/04/14)
Established Contributor
masscredit
Posts: 858
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 - 657 (MyFico 10/02/14) TU - 657 (Walmart 11/08/14 ) EQ 04 - 701 (DCU -11/28/14) EQ 08 - 684 (MyFico -12/04/14)

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