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They dont call it Crapital one for nothing!

New Contributor

Re: They dont call it Crapital one for nothing!

Thanks for the explanation.

Message 11 of 19
Established Contributor

Re: They dont call it Crapital one for nothing!

Nooooo problem  Smiley Happy  It can be an inconvenience when you REALLY need your money, but it can also be a good thing to protect your account.

 

Just as a side note:  If you REALLY need your money, contact the Senior Account Managers and request the funds to be released.  That means they will give you a temporary advance until your funds actually posts, so Cap-1 is not all that bad -- just need a little more training in Customer Service.

Message 12 of 19
Mega Contributor

Re: They dont call it Crapital one for nothing!


JayRizzo wrote:

Nooooo problem  Smiley Happy  It can be an inconvenience when you REALLY need your money, but it can also be a good thing to protect your account.

 

Just as a side note:  If you REALLY need your money, contact the Senior Account Managers and request the funds to be released.  That means they will give you a temporary advance until your funds actually posts, so Cap-1 is not all that bad -- just need a little more training in Customer Service.


Yea that didnt work out at all for me. They wanted the talk to M&T and CONFIRM the payment cleared before they let up. 5 days. BS.




EQ FICO 548 3/3/16
Message 13 of 19
Contributor

Re: They dont call it Crapital one for nothing!

Yup same thing fo me 3 times to be exact!!
My Wallet:

Amex Zync - NPSL
Capital one - Secured $600 (soon to be axed)
Discover More - $1000

Take the FICO Fitness Challenge
Message 14 of 19
New Contributor

Re: They dont call it Crapital one for nothing!

I didn't get the card today either, instead I got an email saying that I should send my "full deposit" so they could send me the card. Uhmm didnt they sent me an email last week confirming they had already shipped my card? Anyway, I was upset and I called them, turns out the last two emails from them were a"glitch" in the system. Come on really? .... And that my card was sent on May 10th that I should get it no later than May 18th.

Does Capital One report immediately to the CRAs?? I know bank of america reported even before I got the actual card.

EXP 725 (Amex) EQ 678 TU 735
Message 15 of 19
Contributor

Re: They dont call it Crapital one for nothing!


Sophiamarie wrote:
I didn't get the card today either, instead I got an email saying that I should send my "full deposit" so they could send me the card. Uhmm didnt they sent me an email last week confirming they had already shipped my card? Anyway, I was upset and I called them, turns out the last two emails from them were a"glitch" in the system. Come on really? .... And that my card was sent on May 10th that I should get it no later than May 18th.

Does Capital One report immediately to the CRAs?? I know bank of america reported even before I got the actual card.

Nope..... takes approximately 60 days, so don't panic when you don't see it for a while Smiley Happy  Mine appeared on EQ the day after my second statement....

 

As others mentioned, they have zero fraud tolerance - I've experienced the various hold on funds for both my unsecured card and the savings account I have with them. The hold on the CC can be a little annoying, the hold on the savings deposit not at all - it gives me another excuse not to even think about a withdrawal.... trying to save money.


Starting Score: 534 11/09
Current Score: FICO 652 05/11
Goal Score: 700+


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Message 16 of 19
Frequent Contributor

Re: They dont call it Crapital one for nothing!

Or Cap1 sent it out the next day and the USPS lost it.

Message 17 of 19
New Contributor

Re: They dont call it Crapital one for nothing!

Got my card yesterday! it took almost 3 weeks but happy that is here, this is my second tradeline.

EXP 725 (Amex) EQ 678 TU 735
Message 18 of 19
Highlighted
Established Contributor

Re: They dont call it Crapital one for nothing!

Got my card last week of Jan. Due date was 2/20, it reported on my credit 2/23...

Starting Score: TU 686 EX 641 EQ 690
Current Score: TU 779 EX 767 EQ 740
Goal Score: 800 Club

BCE $12.5K, 5/3 Sig $10K, Wally Discover 10K, Cash+ $9K Sam's Discover 10K, Freedom $6K, Zales $5.5K, More $5K, Cap one $5K, Barclay 2.5K, Household Plat $1.5K, Household Gold $1.5K, Credit One $1K, First Premier Plat $.675K First Premier Gold $.65K
Message 19 of 19