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need to vent about crapital one

Established Contributor

need to vent about crapital one

Just need to vent, I guess I'm feeling extra hormonal today..ahahha I wish c1 would stop sending me bt offers.  they won't give me a cli from my $1000 or lower my apr, but they think i want a car loan, or bt option or a mortgage refinance thru them..they are smoking something if they can't give me a cli then stop sending me bt, etc..
 
ok whew i feel better ! Smiley Happy
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 1 of 30
29 REPLIES
Frequent Contributor

Re: need to vent about crapital one

Smiley Happy

I'm with you. They keep sending us cross-sell materials but I've had the same credit limit for 4 years.

VERY irritating.

Too bad they are my oldest cc. I think I'm stuck with them...

Starting Score: EQ 622, TU 676, EX 643 (mtg lender pulls) 2/1/12
Current Score: EQ 743, TU 775 (6/18 MyFico), EX 722 (per CITI approval letter 6/29/12 pull)
Goal Score: New goal: 760+ on all 3


Take the FICO Fitness Challenge
Message 2 of 30
Moderator Emeritus

Re: need to vent about crapital one

I feel for you- I get BT checks from them at least once a week-
 
My Capone was at $500 for 6 years.
Message 3 of 30
Valued Contributor

Re: need to vent about crapital one

Typical Cap1 manipulation.

They do the same thing with CC limits. They will give you a $300 limit, deny a CLI, then offer you a new card and award another $300 Card and so on. Why? Because they want;

a) overlimit fees
b) high utilization per card
c) to raise your APR
d) to make more money then they would have if they just gave you a $3,000 credit-line in the first place.

Not sure how their CEO won CEO of the Year, I think they straddle criminal abuse of the system. Talk about predatory lending.
MyFico Scores (TU/Exp/Efx):

11/02/08 696 / 695/ 737- 5/4/08: 667 / 703 / 668 - 11/07 Low 500s All (Fako)
Message 4 of 30
Frequent Contributor

Re: need to vent about crapital one



Timothy wrote:
I feel for you- I get BT checks from them at least once a week-

 

My Capone was at $500 for 6 years.





Oh man! I wonder if I could make an interesting art-piece out of my card?

When I called in recently for a backdoor CLI, I was told I wasn't using the card enough.... I wonder why???? tsk.

Starting Score: EQ 622, TU 676, EX 643 (mtg lender pulls) 2/1/12
Current Score: EQ 743, TU 775 (6/18 MyFico), EX 722 (per CITI approval letter 6/29/12 pull)
Goal Score: New goal: 760+ on all 3


Take the FICO Fitness Challenge
Message 5 of 30
Established Contributor

Re: need to vent about crapital one

that's kind of what i was told last time i called, they like to see high usage and that's how they determine cli..well why would i want to se the card w/high apr and low credit limit.and that's exactly what i told them...i was nice about it but it didnt get me anywhere..
~01/2008 Ficos TU 571-EX 647-EQ 652~
~3/21/2009 Ficos TU 705 EX 702 EQ 692~
~9/9/09 Ficos TU 718 EQ 693 EX???
~06/25/12 Ficos TU 719 EQ 677 EX??
Message 6 of 30
Established Contributor

Re: need to vent about crapital one



Timothy wrote:
I feel for you- I get BT checks from them at least once a week-
 
My Capone was at $500 for 6 years.



Wow, MOD, sorry to hear that.
 
I called them recently to get my name off their list. No more bs checks for meSmiley Very Happy
 
As for clis, they granted a few for me already.
 
 
Message 7 of 30
Moderator Emeritus

Re: need to vent about crapital one

I keep forgetting it's Capone's turn in rotation this month- (starting today)  It is at 5K now- been SD'ed for 4+ months.
 
Hang in there BamaGirl- we are pulling for you !!!!!

BoysMumx2 wrote:


Timothy wrote:
I feel for you- I get BT checks from them at least once a week-

 

My Capone was at $500 for 6 years.





Oh man! I wonder if I could make an interesting art-piece out of my card?

When I called in recently for a backdoor CLI, I was told I wasn't using the card enough.... I wonder why???? tsk.


Message 8 of 30
Frequent Contributor

Re: need to vent about crapital one



Timothy wrote:

I keep forgetting it's Capone's turn in rotation this month- (starting today)  It is at 5K now- been SD'ed for 4+ months.

 

Hang in there BamaGirl- we are pulling for you !!!!!





BoysMumx2 wrote:





Timothy wrote:

I feel for you- I get BT checks from them at least once a week-


 


My Capone was at $500 for 6 years.







Oh man! I wonder if I could make an interesting art-piece out of my card?

When I called in recently for a backdoor CLI, I was told I wasn't using the card enough.... I wonder why???? tsk.











Hey! That's a much better limit! So they finally broke down and gave you CLI's?

So perhaps in another 2-4 years I'll see it break $1K.... oy....

Starting Score: EQ 622, TU 676, EX 643 (mtg lender pulls) 2/1/12
Current Score: EQ 743, TU 775 (6/18 MyFico), EX 722 (per CITI approval letter 6/29/12 pull)
Goal Score: New goal: 760+ on all 3


Take the FICO Fitness Challenge
Message 9 of 30
Established Contributor

Re: need to vent about crapital one

Yaw gotta leave my CAP1 alone lol. But for real CAP1 is the only 1 of my cards that's giving me CLI. Hooters bout hit 6 month so I might start a thread venting about them if they don't show me luv.
Advice is what we ask for when we already know the answer but wish we didn't.
Message 10 of 30