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Frequent Contributor
Posts: 317
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!! Smiley Surprised

 

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
Posts: 30,647
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!! Smiley Surprised

 

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?

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Frequent Contributor
Posts: 317
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!! Smiley Surprised

 

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
Posts: 30,647
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!! Smiley Surprised

 

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

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
New Member
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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Senior Contributor
Posts: 11,485
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
Posts: 1,019
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 811 9/11/15, EX 821, TU 817 on 6/13/2014

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Senior Contributor
Posts: 11,485
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
Posts: 30,647
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 

Before you app think...
Have you done your research of the CC?
Does it fit your spending?
Do you have a plan for the bonus w/o going into debt?
Can you afford the AF?
Do you know the cards benefits? Is it worth the HP?
Valued Contributor
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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