Reply
Regular Contributor
missmoney-bags
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
casinoannie97
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
missmoney-bags
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
voidman
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
missmoney-bags
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
usmc58555
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,

myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

>> About myFICO
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+
}