Credit Cards Center Credit cards from our partners
Reply
Regular Contributor
Posts: 181
Registered: ‎07-02-2009
0

capital one sucks

ok cap one wont work with me if i need to file bk....why did i waste my energy PIF and on time every month?
Valued Contributor
Posts: 1,986
Registered: ‎08-17-2007
0

Re: capital one sucks

HOW LONG HAVE YOU BEEN WITH THEM?  What do you mean by work with you.
Regular Contributor
Posts: 181
Registered: ‎07-02-2009
0

Re: capital one sucks

I thought my bank had forgiven my bad mortgage but they didnt...so under this assumption I applied with cap 1 to start rebuilding my credit...I had them for 5 months...I know not long, but I paid every month on time and in full...wtf...this is why banks are going broke b/c they wont work with ppl they want to keep positive accts...
Established Contributor
Posts: 540
Registered: ‎06-07-2008
0

Re: capital one sucks


missmoney-bags wrote:
I thought my bank had forgiven my bad mortgage but they didnt...so under this assumption I applied with cap 1 to start rebuilding my credit...I had them for 5 months...I know not long, but I paid every month on time and in full...wtf...this is why banks are going broke b/c they wont work with ppl they want to keep positive accts...

 

You mean cap1 did not approve you a card? PIF was for your own benefits, you didnt pay interest on that. Not really a favour to CCC. 

 

Now a days, CC are very tight with risky ppl and your bad mortgage is not going to help. 

 

Try to start with local Credit Unions. 

 

 

-void
Regular Contributor
Posts: 181
Registered: ‎07-02-2009
0

Re: capital one sucks

i got the card in june...when my forecloser was a year old..now the house is sold and we are waiting for a defeicency judgement....i have been very good with my cap one card for the last 5 months, but Im upset b/c I may have to file bk and cap one will not let me keep the card out of bk and reaffirm it...they say i can keep it out of the bk but they will turn it off when they discover the bk.  that is how banks are loosing money...if ppl are have to file just because the foreclosure happens and not due to cc debt, then what is the issue on helping your customers?
Valued Contributor
Posts: 1,668
Registered: ‎02-18-2009
0

Re: capital one sucks


missmoney-bags wrote:
i got the card in june...when my forecloser was a year old..now the house is sold and we are waiting for a defeicency judgement....i have been very good with my cap one card for the last 5 months, but Im upset b/c I may have to file bk and cap one will not let me keep the card out of bk and reaffirm it...they say i can keep it out of the bk but they will turn it off when they discover the bk.  that is how banks are loosing money...if ppl are have to file just because the foreclosure happens and not due to cc debt, then what is the issue on helping your customers?

its all about risk. they are businesses trying to ensure they will get back the money they lent you. There is not even a house to back it up.

Signature line begins:
Credit is not a right, but a business transaction, one that takes into account risk, and charges accordingly based on that risk.
Your credit score is an aspect of your credit profile. Important? yes but just an aspect. Contributing/supplemental information determines the finer point of the deal. Ask any question, respect me not to get mad if the answer is not the affirmation you are looking for,
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 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.

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.