Credit Cards Center Credit cards from our partners
Reply
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: cap1 Combine possible?


ItchyAppFingers wrote:
I tried failed twice! I tried combining both my Cap 1 Visa Platinum and MTV visa into one CL of $1,000 (both $500 a piece) the CSR gave me a big fat "NO but..... Your more that welcome to apply for a new cc with us." The other time I wanted to convert my Visa platinum into the Cashback rewards MasterCard....again was told "NO!.... but you are more than welcome to apply for the Cashback Rewards MasterCard if you will like." They rather give you 5 toy limit cards ($500 each) than one card with a big CL. Smh! Smiley Sad and there Sony Card is part of there Credit Steps program I found out! Just my luck Smiley Sad while all my other cards are growing Crap 1 is the only bank that keeps falling behind in the credit world Smiley Sad

That is a pretty standard response from CAP1. Quiet sad actually...smh. They need to train their CSRs to give real customer service b/c they all fail.

 

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Regular Contributor
Posts: 155
Registered: ‎06-20-2012
0

Re: cap1 Combine possible?


distantarray wrote:

aplast wrote:

it sounds like we need to get the executive office on the line Smiley Happy they have proven to be polite, helpful, and successful in these types of requests. Its alot easier to talk to a decision maker than a script reader! best of luck on getting this taken care of.


even that is pretty hard to do without VERY Prime cards in your file, and a MUCH better credit score, and ability to PROVE you NEED the extra balances.

 

Capital one is both a Prime and Subprime lender which is good for us since people don't avoid capital one rebuilder cards on the credit report since it just reports Capital one. Instead of things like First Premier which people will avoid like the bubonic plague....coughamexcough

 

They will try to suck and leech as much subprime APR from you as possible with annual fees attached, if they actually see your a fully educated consumer and you can basically push things as they don't want to lose a PRIME customer who runs a lot of money through their accounts. Pretty much only reconsiderations I've seen are people who have Prime cards, and who max out Capital one cards frequently and pay it off multiple times a month just to prove a point they need the increase. I dunno ymmv. Just from what I've seen through capital one post and i'm a credit forum whore.


I agree completely with what you are saying. My 750 no hassle cash was maxed out and paid off 1-2 times per month for about a year, and maybe that had some weight to it when I requested 3000, and they said yes. but we have been seeing quite a few success stories! so you never know.. ymmv is a definite on this topic. and Hi my name is Alex and Im a credit forum whore as well!

Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: cap1 Combine possible?


aplast wrote:

I agree completely with what you are saying. My 750 no hassle cash was maxed out and paid off 1-2 times per month for about a year, and maybe that had some weight to it when I requested 3000, and they said yes. but we have been seeing quite a few success stories! so you never know.. ymmv is a definite on this topic. and Hi my name is Alex and Im a credit forum whore as well!


lol registered in June 2012 and 41 posts I'm not impressed Smiley Wink jk mine are all from this month =( haha to be fair i'm making a part time job out of credit repair for friends and family, and my day job gives me a lot of free time.


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
Posts: 155
Registered: ‎06-20-2012
0

Re: cap1 Combine possible?


distantarray wrote:

aplast wrote:

I agree completely with what you are saying. My 750 no hassle cash was maxed out and paid off 1-2 times per month for about a year, and maybe that had some weight to it when I requested 3000, and they said yes. but we have been seeing quite a few success stories! so you never know.. ymmv is a definite on this topic. and Hi my name is Alex and Im a credit forum whore as well!


lol registered in June 2012 and 41 posts I'm not impressed Smiley Wink jk mine are all from this month =( haha to be fair i'm making a part time job out of credit repair for friends and family, and my day job gives me a lot of free time.


ya you know I have been lurking since mid 2011.. had an account but never contributed.. thought It was an appropriate time to start putting my .02 in Smiley Happy oh and this makes 42 posts! tell you what though... I have learned SO much from this board in the past year and a half, and some of my friends come to me with credit questions. but thats awesome you are able to make a part time gig out of this!

Established Contributor
Posts: 2,112
Registered: ‎09-25-2011
0

Re: cap1 Combine possible?


aplast wrote:

distantarray wrote:

aplast wrote:

I agree completely with what you are saying. My 750 no hassle cash was maxed out and paid off 1-2 times per month for about a year, and maybe that had some weight to it when I requested 3000, and they said yes. but we have been seeing quite a few success stories! so you never know.. ymmv is a definite on this topic. and Hi my name is Alex and Im a credit forum whore as well!


lol registered in June 2012 and 41 posts I'm not impressed Smiley Wink jk mine are all from this month =( haha to be fair i'm making a part time job out of credit repair for friends and family, and my day job gives me a lot of free time.


ya you know I have been lurking since mid 2011.. had an account but never contributed.. thought It was an appropriate time to start putting my .02 in Smiley Happy oh and this makes 42 posts! tell you what though... I have learned SO much from this board in the past year and a half, and some of my friends come to me with credit questions. but thats awesome you are able to make a part time gig out of this!


lol I lurk mostly around creditboards they helped me remove over 12 collections reports from my credit report, went from 400's to 750+ across the board in 1 year Smiley Happy


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
Posts: 155
Registered: ‎06-20-2012
0

Re: cap1 Combine possible?


distantarray wrote:

aplast wrote:

distantarray wrote:

aplast wrote:

I agree completely with what you are saying. My 750 no hassle cash was maxed out and paid off 1-2 times per month for about a year, and maybe that had some weight to it when I requested 3000, and they said yes. but we have been seeing quite a few success stories! so you never know.. ymmv is a definite on this topic. and Hi my name is Alex and Im a credit forum whore as well!


lol registered in June 2012 and 41 posts I'm not impressed Smiley Wink jk mine are all from this month =( haha to be fair i'm making a part time job out of credit repair for friends and family, and my day job gives me a lot of free time.


ya you know I have been lurking since mid 2011.. had an account but never contributed.. thought It was an appropriate time to start putting my .02 in Smiley Happy oh and this makes 42 posts! tell you what though... I have learned SO much from this board in the past year and a half, and some of my friends come to me with credit questions. but thats awesome you are able to make a part time gig out of this!


lol I lurk mostly around creditboards they helped me remove over 12 collections reports from my credit report, went from 400's to 750+ across the board in 1 year Smiley Happy


very impressive! I have been serious for about 6 months on clean-up -  mid 600's but looking to be in the 700 club. . Im curious on some more info. pm sent distantarray.

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
† Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on myFICO.com include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.