it's so funny. if cap one reps really work, executive office wouldn't have been so busydo they intend to work this way
I think what they intend is for subprime cardholders to stay at lower limits forever, and if they improve, app for a better card. That's not very different from other banks, except Cap 1 has so many subprime cardholders that you hear about it all the time. Compare it to trying to PC your Zync to a Green, or your Chase Amazon to Sapphire. They will likely tell you to app for the new card.
I think most people just do that. We're all just a little different here...
Same thing with the credit limits. Sure, Orchard let me get a soft CLI every month, but after several years of increases they never came close to the static, never raise limit that Cap 1 gave me on my rebuilder.
I'm ok with this process, now that I know how to get by all the obstacles and get what I want.
3-26-15: FICO EXP: 828 - EQU:820 - TRAN: 828 - AVG: 825 +275 points from JUN 2008 - MY CREDIT JOURNAL