Ok, we both lost our jobs 6 1/2 years ago, lost house and filed Bankruptcy after exhausting savings, job search etc. Moved new job kept noses clean, Capitol One gave us two cards, one CC for $3000, one for $5000 and a car loan at a 12% rate. Husband is changing jobs and needed a $10,000 limit card as he has to prepay travel, hotel etc, then get re-embursed. Tried to get Capitol One to raise limit, no go, then read here that Juniper wouldn't hold a BK against you, especially with a relatively good FICO and clean record (no lates, only a few hundred dollars charged each month and paid off immediately) Today we received a letter from Juniper with the typical bait and switch offer of 'up to $10,000) and we called as my husband's needs had changed. We went to the process of an application and received a slap in the face limit of $1,250!! We said, hold up there, his FICO is high enough, our record is clean and they were not willing to reconsider, or cancel the card. Asked for a Supervisor and that we would wait to speak and were disconnected (no surprize) Called customer service and got the card cancelled, but were given a bogus phone number to call to ask about what they actually required for a higher limit.. What recourse do we have? Any companies we could try once last time and not have a zillion hits on our credit report?
Message Edited by Danvilleduck on 07-28-200802:20 PM
No, this Company, unlike his previous company, does not offer any company credit cards, strange as they are a huge multi-national company. I may just trot down to our local Bank were we have some funds in Savings and always a lot in checking and see about a CC with a decent limit. Been banking there for 6 years, early on had a few over drafts until got on the auto pay/monitor account bandwagon. All been good for the last 4 years. Still steaming over Juniper.
Are the two Capitol One accounts in the same person's name? You can call and ask them to combine them giving you an $8000.00 limit and they might also increase your limit at the same time (they did for me).
Uniqua wrote: Pentagon Federal is not BK-friendly. If you are a Christian, try CCCU.
That old of a BK should not present a problem. I got a card with a nice limit 7 years out of a BK7. Looks like his EQ should be in the neighborhood of 690-710. As long as he doesn't have a lot of new accounts and high utilization it should work. Wamu might hand out a 2K card. Along with Juniper they are the whippiest issuers out there. 600 FICO might get you 7K while a 700 might get you 2K. You just never know with those two.
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