Wallet: FNBO DISC 9.5k, , Chase Freedom 3.3k & Slate 3.3k, AMEX BCP 7.5k & AMEX Hilton Surpass 5.5k & AMEX Zync NPSL, Walmart 3.3k, CapOne AU 1.5k
Changingmantra wrote:I started rebuilding in 2008 - in that year I was approved for two Cap 1 cards: 1 Visa 1 MC. Four years later, I had closed both cards, with having closed the MC before this summer. The CL on that had gone from 300 to $3350, but it took a long time to get that, and whenever I called CS about a CLI- I got the standard messages... and then finally - I was told that if I wanted a higher limit, I should appy for another CC. Of course, I said that the problem with that is that if I cannot get a CLI, how am I going to get approved for a Venture Card? One CSR encouraged me to apply saying that I probably had a good chance of getting it- I did - took the hit and BAM - DECLINED - they would not recon. And frankly, I got tired of begging for CLIs, so I moved on!
By then I had already gotten a Discover Card and a Barclay MC. Within six months - Discover went from $1500-$3500, Barclay from $1000-$4700. Four months after having closed my last Cap1 card, they are cluttering my mailbox with all sorts of offers - to get me back - interestingly - for the same card that I closed in May. When I closed that account - there was interest nor any attempt to keep me as a customer. I wasted an inquiry - and now they are trying to get me to play this game with them all over again?!
I am happy with my two credit cards; I do not want a pocket full of credit cards, but I certainly would like to let Capital one know how I feel about this. I would have LOVED to have remained a customer with them, but as I am not into collecting cards and just letting them sit around, there was no need for me to have an account that I was not going to use. Do you think I should bother writing C1?
I've seen people writing CEO's directly on these boards. I think you should do just that elaborating on what happened and why you WILL NOT be a Cap1 customer ever again. It would certainly be interesting to know if and how they would respond. Even though you weren't an inital "prime" customer, you were still a customer and your business should matter. Your credit behaviors changed over time and, IMO, you shouldn't be punished so to speak, because of where you started. Suggest that they should perhaps change their methods of evaluating a customer's worthiness, so they won't lose future business like they lost yours. Then ask them to remove you from all their future mailing lists, so they know you aren't interested in being contacted by them ever again. I know I would. It may not benefit you in any way, but companies need to know how their actions affect ALL customers, not just the top percent. And correct me if I'm wrong, but don't they make more money off of subprime customers than prime customers anyway???? Just my thoughts....
Starting Score: 426 Ch. 13 BK Discharged Nov 2012 
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