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Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
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Re: I love Capital One!!!


daisydvm wrote:

I was mostly being sarcastic with the title of my post although I do not hold any bad feelings against Capital One. They were kind enough to extend a line of credit to me after I managed three of their accounts inappropriately. My current limit sits ar $2500 with a card that has a max limit of $3000. I doubt that they'll increase my credit limit which was why I was interested in a PC. And you know how often CapitalOne does those.

 

I might give them a call tomorrow if I feel up to it but while I'm grateful for the opportunity they have given me to rebuild my credit, I think the time has come to move on to better things. I'll still keep my recurring USAA credit monitoring charge and make a few random charges on it but I'll pass on most of the love to Barclay.


Call this number tommorow:

 

Cap 1: 800-707-0489 (Senior Escalation Account Mgrs.)




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 741
Registered: ‎10-04-2010
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Re: I love Capital One!!!

Thanks LS. I'll call them for the fun of it in the morning.

BK in 2008, after making very stupid financial decisions.

Barclay's Apple Financing Card ($6400) --- Capital One Quicksilver ($10,000)---GEMB CareCredit ($5700) --- AUFCU ($10000)--- Walmart ($5000)

FICO Scores: TU 735 EQ 709 EX 740 (Feb 2013, all pulled by lender)

Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
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Re: I love Capital One!!!


daisydvm wrote:

Thanks LS. I'll call them for the fun of it in the morning.


Fingers crossed (mega-millions chance of CLI tho) :smileysurprised:




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 734
Registered: ‎02-01-2012
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Re: I love Capital One!!!

[ Edited ]

Capital One sucks. I wish the other CC issuers would match Cap1's best cards and run them out of business. Capital One's only saving grace is that they offer some of the best rewards cards for certain needs and especially for big spenders. 

 

The Green Cash, Spark Cash Business and Venture may not be tops for everyone's situation but their flat rate, unlimited rewards with no category restrictions will outdo any competitive card beyond certain thresholds as a stand alone card. You can only spend so much on groceries, gas, health clubs, and dining etc. and then there's the added wrinkle that food shopping at popular places like Walmart yields no grocery rewards. This is especially true for business card rewards. 

 

Wake up Chase, Amex and Citi and BofA! Offer cards like these and there's simply no reason to put up with Capital One and their rotten attitude.

Start (Sept 2011): low-mid 600s. NOW: TU FICO: 801, EQ FICO 808, EX FICO 798 (PSECU). Goal: Achieved! Now Maintain!
Super Contributor
Posts: 6,569
Registered: ‎04-07-2008
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Re: I love Capital One!!!

You actually have a better chance at finding bigfoot than getting a CLI with Cap One.




Blogger
Posts: 2,876
Registered: ‎02-02-2012
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Re: I love Capital One!!!

Darn it, I knew it was a trap when I saw the title.

Follow my financial journey: http://www.frugalrican.com


EQ FICO (01/16/2012): 656 - EQ FICO (02/16/2012): 743 - EQ (02/24/2012): 760 - EX (04/28/2012): 739 - GOAL 2013: 800+

AMEX BCE (0/10K) --- BOA 1-2-3 (0/15.9K) --- Discover More (0/6K) --- Chase Freedom Visa (0/1.4K) -- Hyatt Visa Sign. (0/5.8K) -- Barclay's NFL Card (0/7.5K) -- Chase Sapphire Preferred (0/5K)

Frequent Contributor
Posts: 364
Registered: ‎08-23-2011
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Re: I love Capital One!!!

Does anyone know if it is a hard pull if you request a CLI with cap 1?

FICO Scores: TU: 768 (Jan 2012), EQ: 755 (Jan 2012 Lender pull)
Mega Contributor
Posts: 15,436
Registered: ‎04-09-2011
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Re: I love Capital One!!!


FrugalRican wrote:

Darn it, I knew it was a trap when I saw the title.


original.gif

Its official!




Silver Spade Garden Club Member - Last App 12/16/13 - Looking for a clean slate NO INQ's / Diamond Inspired!
Starting Score:
EX (PLUS) 583 EQ FICO 565 TU FICO 590 3/15/2011 / Goal Scores: 720
Current Score: EX FICO (PSECU) 671 (myFICO) N/A / EQ FICO 679 / TU08 FICO 678 / TU VS 706 3/6/2014
Established Contributor
Posts: 760
Registered: ‎02-11-2012
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Re: I love Capital One!!!

Probably it is. When I inquired about upgrading my current cap one card, they would not ugrade without a hard pull, even with two years of payment history. I politely declined, went fishing and got a better card with higher cl and no af.

Starting scores 01/02/2012 EQ 707(Fico) TU 733(Fico) EXP 735 (FAKO)
Updated scores 06/01/2014 EQ 797(Fico) TU 768(Fico) EXP 769 (Fico), EQ 849 (Next Gen 5/27/14 Penfed)


Remember the Three P's: Pay early in Full, Pay on Time, Patience
Moderator
Posts: 9,674
Registered: ‎01-28-2010
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Re: I love Capital One!!!


Dadaluma83 wrote:

Does anyone know if it is a hard pull if you request a CLI with cap 1?


Yeah, almost 100% guaranteed Hard Pull on EX, EQ, and TU and no CLI.

March2010 FICO® ~ 695 TU, 653 EQ, 697 EX

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