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Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011

No idea why I waste my breath with Cap1

Smiley Very Happy


Well I check my account todat and low and behold, a $39 AF is posted on my account. Two (2) representatives told me that this fee would post 8/31 and they would waive it after it posts.


Well the Sr. rep. waived the fee but now $39 reports on my CR's. It's really just the principal now to me. I should get accurate info.


Until I see a CLI this card will continue to be used for recurring charges, I hate having this low $750 card reporting.

EQ FICO 548 3/3/16
New Contributor
Posts: 75
Registered: ‎05-19-2012

Re: No idea why I waste my breath with Cap1

You just can't trust Cap One. They really dont care about their builder cards. They give you hope in the beginning with Credit Steps, but after that CLI, nothing.

In my wallet: Amex Platinum NPSL, Amex EP $1000, CSP: $12500, Citi Hilton Honors Visa Signature: $15000, First Financial Bank: $11500, Discover More: $12000, Barclays Apple Financing: $6600, Macy's: $1000

Business: Chase Ink Cash World Mastercard: $5000

In my SD: CapOne $3000
Mega Contributor
Posts: 15,453
Registered: ‎04-09-2011

Re: No idea why I waste my breath with Cap1

Pretty much, you almost at powerball odds getting CLI's

EQ FICO 548 3/3/16
Regular Contributor
Posts: 144
Registered: ‎07-21-2012

Re: No idea why I waste my breath with Cap1

Can always put it out of its misery Smiley Wink

Starting Score: EX: 736 FAKO | TU: 757 FICO | EQ 730 FICO
Current Score: EX: 736 FAKO | TU: 750 FICO | EQ 730 FICO
Goal Score:     EX: 750 FICO | TU: 750 FICO | EQ: 750 FICO
In my wallet:  $16,000  $8,000
Posts: 36
Registered: ‎08-14-2012

Re: No idea why I waste my breath with Cap1

[ Edited ]


just kidding!

In my wallet, Discover More, BOA 1 2 3. AMEX PRG (au)

Senior Contributor
Posts: 6,279
Registered: ‎08-16-2012

Re: No idea why I waste my breath with Cap1

Capital One sucks with their low limits! Had it for six years, and it's stuck at a $1,300 limit. UGH

Marriott PR$25k | BCE $24.5K |BankAmericard Visa $25k| BOA Better Bal $17.5k |Wmt Discover $12.5k | BR Visa $17.5k | Amex Delta Gold $10k | Discover IT $10k | Paypal Extras MC $15k | Amazon Store $10k|Smile Gen $7.25k | Dillard's $10k | West Elm $4k| Express $3.05K | Visa $4.5k | Freedom Visa $1k| Amex Surpass $1k
Valued Contributor
Posts: 2,708
Registered: ‎10-16-2008

Re: No idea why I waste my breath with Cap1

Relax.  You've done well.


Don't sweat the small stuff, it'll drive you nuts. 

Posts: 211
Registered: ‎07-02-2012

Re: No idea why I waste my breath with Cap1

Capital One is my first card, they are generous for new people in getting CC with low limits.. No One else was ready to give me credit card unless I had 6 month history with Cap1.

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
Super Contributor
Posts: 6,677
Registered: ‎04-07-2008

Re: No idea why I waste my breath with Cap1

Same thing happened to me. I called and even talked to a supervisor who assured me that the $39 would be waived but it still posted Smiley Sad

Regular Contributor
Posts: 227
Registered: ‎11-27-2011

Re: No idea why I waste my breath with Cap1

I have been with Cap 1 for over a year now and have never heard of the Credit Steps program........

Starting Score:Equifax 543
Current Score:EQ659 TU 716 EXP677 updated 7/3/2016
Goal Score: 700

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