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Frequent Contributor
jenn_bar
Posts: 315
Registered: ‎05-24-2013
0

Reopening Cap1 Card

[ Edited ]

Just got off the phone with Capital One after deciding to reopen a student Journey card. When I did not know anything about credit cards, I closed the Journey card in order to pursue the Freedom. Thinking that it looked bad to have more than one card, I closed a $0 AF CARD!! :smileysurprised:

 

I know this is not a big deal, but it will help my AAoA as I opened the Journey card in 2/2011, plus I am staying in the garden and not accruing an annual fee! I'm very excited and had to share, plus I am hoping to utilize that LUV button that has been installed since I last dealt with icky Cap 1...

 

I do have one question though... They said that they put in a request to have it reopened (no hard inquiry) and I would receive the information within 10 days. Any backdoor number to call that would know of this information immediately, or is there a legit wait period?

Community Leader
Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

Re: Reopening Cap1 Card


jenn_bar wrote:

Just got off the phone with Capital One after deciding to reopen a student Journey card. When I did not know anything about credit cards, I closed the Journey card in order to pursue the Freedom. Thinking that it looked bad to have more than one card, I closed a $0 AF CARD!! :smileysurprised:

 

I know this is not a big deal, but it will help my AAoA as I opened the Journey card in 2/2011, plus I am staying in the garden and not accruing an annual fee! I'm very excited and had to share, plus I am hoping to utilize that LUV button that has been installed since I last dealt with icky Cap 1...

 

I do have one question though... They said that they put in a request to have it reopened (no hard inquiry) and I would receive the information within 10 days. Any backdoor number to call that would know of this information immediately, or is there a legit wait period?


Cap1 is good about reopening accounts so just wait it out providing you went the EO route and not regular CSR?

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Frequent Contributor
jenn_bar
Posts: 315
Registered: ‎05-24-2013
0

Re: Reopening Cap1 Card


myjourney wrote:

jenn_bar wrote:

Just got off the phone with Capital One after deciding to reopen a student Journey card. When I did not know anything about credit cards, I closed the Journey card in order to pursue the Freedom. Thinking that it looked bad to have more than one card, I closed a $0 AF CARD!! :smileysurprised:

 

I know this is not a big deal, but it will help my AAoA as I opened the Journey card in 2/2011, plus I am staying in the garden and not accruing an annual fee! I'm very excited and had to share, plus I am hoping to utilize that LUV button that has been installed since I last dealt with icky Cap 1...

 

I do have one question though... They said that they put in a request to have it reopened (no hard inquiry) and I would receive the information within 10 days. Any backdoor number to call that would know of this information immediately, or is there a legit wait period?


Cap1 is good about reopening accounts so just wait it out providing you went the EO route and not regular CSR?


I did not call the traditional 800 number, but I do not believe I contacted the EO. I received the number from chatting with an agent within my Capital One account page online. It was 800-707-0489

Community Leader
Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

Re: Reopening Cap1 Card


jenn_bar wrote:

myjourney wrote:

jenn_bar wrote:

Just got off the phone with Capital One after deciding to reopen a student Journey card. When I did not know anything about credit cards, I closed the Journey card in order to pursue the Freedom. Thinking that it looked bad to have more than one card, I closed a $0 AF CARD!! :smileysurprised:

 

I know this is not a big deal, but it will help my AAoA as I opened the Journey card in 2/2011, plus I am staying in the garden and not accruing an annual fee! I'm very excited and had to share, plus I am hoping to utilize that LUV button that has been installed since I last dealt with icky Cap 1...

 

I do have one question though... They said that they put in a request to have it reopened (no hard inquiry) and I would receive the information within 10 days. Any backdoor number to call that would know of this information immediately, or is there a legit wait period?


Cap1 is good about reopening accounts so just wait it out providing you went the EO route and not regular CSR?


I did not call the traditional 800 number, but I do not believe I contacted the EO. I received the number from chatting with an agent within my Capital One account page online. It was 800-707-0489


Sending you EO number

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


New Member
Reachingfor800
Posts: 4
Registered: ‎06-12-2013
0

Re: Reopening Cap1 Card

May I please have that phone number as well? I'm in the exact same boat.

 

Thanks!


Starting Scores: TU 596 (Credit Karma) / EX 615 (Credit Sesame) / EQ ??? (6/4/13)
Current Scores (Lender): TU 580 / EX 605 / EQ 593 (11/25/13)
Goal Score: 700


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Valued Contributor
FinStar
Posts: 6,006
Registered: ‎10-21-2012
0

Re: Reopening Cap1 Card

You may want to contact them for better results via the standard email method so they can look into your specific issue.  Here's a helpful link > Capital One EO.

Established Contributor
GFer
Posts: 992
Registered: ‎04-01-2008
0

Re: Reopening Cap1 Card

Wow! I didn't think any issuer would 're-open' an account. Learn something new everyday!



1/28/14 EQ 817, (6/30/14)EX 821, TU 817 on 6/13/2014

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Valued Contributor
FinStar
Posts: 6,006
Registered: ‎10-21-2012
0

Re: Reopening Cap1 Card

IIRC, this is on a case-by-case basis since there have been other posts with Capital One not reopening accounts.  It just depends on their most current policies.

Community Leader
Senior Contributor
myjourney
Posts: 26,602
Registered: ‎02-07-2013
0

Re: Reopening Cap1 Card


FinStar wrote:

IIRC, this is on a case-by-case basis since there have been other posts with Capital One not reopening accounts.  It just depends on their most current policies.


Yep +1

But they tend to reopen if you were a good customer 

"Intelligence plus character--that is the goal of true education"
Last 5 apps 6/6/13


Valued Contributor
djc1puno
Posts: 1,715
Registered: ‎03-07-2013
0

Re: Reopening Cap1 Card


myjourney wrote:

FinStar wrote:

IIRC, this is on a case-by-case basis since there have been other posts with Capital One not reopening accounts.  It just depends on their most current policies.


Yep +1

But they tend to reopen if you were a good customer 


so if they reopen, you get the whole history back on your CRs? sweet!



GARDEN GOAL: MARCH 2014
LAST APP: 08/20/2013
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