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Valued Contributor
maiden_girl
Posts: 2,106
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! :smileysad: and there Sony Card is part of there Credit Steps program I found out! Just my luck :smileysad: while all my other cards are growing Crap 1 is the only bank that keeps falling behind in the credit world :smileysad:

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
aplast
Posts: 150
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 :smileyhappy: 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!

American Express Green - NPSL, Sams Club Discover - 4000, Paypal Smart Connect - 4000, Capital One - 3500, Barclaycard Visa - 2500, Walmart - 1500, Discover IT - 1000, Ashley Furniture Home Store - 1000, Care Credit - 1000.
Established Contributor
distantarray
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 :smileywink: 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
aplast
Posts: 150
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 :smileywink: 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 :smileyhappy: 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!

American Express Green - NPSL, Sams Club Discover - 4000, Paypal Smart Connect - 4000, Capital One - 3500, Barclaycard Visa - 2500, Walmart - 1500, Discover IT - 1000, Ashley Furniture Home Store - 1000, Care Credit - 1000.
Established Contributor
distantarray
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 :smileywink: 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 :smileyhappy: 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 :smileyhappy:


total credit limits $108,400 Credit scores Ex 728 EQ 738 TU 758
Regular Contributor
aplast
Posts: 150
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 :smileywink: 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 :smileyhappy: 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 :smileyhappy:


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.

American Express Green - NPSL, Sams Club Discover - 4000, Paypal Smart Connect - 4000, Capital One - 3500, Barclaycard Visa - 2500, Walmart - 1500, Discover IT - 1000, Ashley Furniture Home Store - 1000, Care Credit - 1000.

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