Credit Cards

[nicholasyud]

i would keep it and run a few dollars on it rather then closed it unless they came with AF. Im not going to closed any account if there isnt AF. 

[stormb28]

I just got a auto $500 CLI after 5 mos, CapOne are what they are, are they best? No, but I appreciate them.

Apply elsewhere for another card, or apply for another card with CapOne if your credit allows

[eviLution]

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stormb28 wrote:
I just got a auto $500 CLI after 5 mos, CapOne are what they are, are they best? No, but I appreciate them.

Apply elsewhere for another card, or apply for another card with CapOne if your credit allows

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Capital One is only good if you can't get credit from other lenders. You should never risk 3 HPs for a Capital One card if you already have enough history to get with better sub-prime lenders.

[minimock]

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stormb28 wrote:
I just got a auto $500 CLI after 5 mos, CapOne are what they are, are they best? No, but I appreciate them.

Apply elsewhere for another card, or apply for another card with CapOne if your credit allows

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I fully understand and respect your point of view, but sometimes, you say that's it.....been bugging me for years.

Besides I figure if a bunch more folks don't do the same thing..."Going along to get along" Maybe they will change there transition starter card business plan and turn these awesome customers into premium customers.

Anyways, this was just some food for thought.

I apologize if I offend anyone's sensibilities, just sharing the experience

[stormb28]

Who are the better sub prime lenders? Clearly his credit is damaged in some capacity to even be dealing with Capone.

[greenpang]

Yeah, I know Capital One is stingy and does not have helpful/supportive CSRs. I've read all about it here and also experienced it myself. I just wasn't sure if you were referring to something specific here and was confused about the relationship to your time in the Middle East.

[anthill927]

Can I get a product change.....NO, can I get a CL increase......NO.......can I get changed over to at least a rewards setup......NO, however you will sleep better at night KNOWING that we are constantly reviewing accounts for these type of things....

Do a search on Cap one posts.......its all the same schtick, 

I figured I would follow my own advise, If I dont like what is on the TV, dont complain, it wont do any good.... just change the channel 

[eviLution]

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stormb28 wrote:
Who are the better sub prime lenders? Clearly his credit is damaged in some capacity to even be dealing with Capone.

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Some people choose Capital One to start their journey and some because their credit is damaged, but it don't mean it's gonna be damaged forever. 

p.s. look at his forum sig

[stormb28]

Im mobile, so I cant see his sig. CapOne are good rebuilder cards, a bridge to better cards if you will, I just dont see the point in closing it.

[nicholasyud]

CApital one the only one offer me pre approved when my credit is trash when i had no credit at all no active credit card no positive history, bunch of negative trade line. They start me off and now i almost had everything i want it.......I dont want to trash them yet but since they help me out.....i would love to show them some love as paid back...........