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need to vent about crapital one

Contributor

Re: need to vent about crapital one

BoysMum If you want Cap 1 to give you a cli it appear that you will have to play their game. Just pay your balance down or off before it reports it the util on it is high. Mine will break $1k cl in May after I pay my 3rd bill and all I have used it for is a 0%$0 bt that will not be paid for by then.
Valued Contributor

Re: need to vent about crapital one

my cap one was maxed at 600 for 4 years.  I got new card at 3500 and then combined them using the oldest date.  They helped me when most would not.  How many have helped you when you were down????? i called back door today to see if i am eligible for cli.  Nope.  no reason  --said i have excellent record but nope............sigh.


Message Edited by casinoannie97 on 03-12-2008 12:17 PM
Frequent Contributor

Re: need to vent about crapital one



cowpaddi wrote:
BoysMum If you want Cap 1 to give you a cli it appear that you will have to play their game. Just pay your balance down or off before it reports it the util on it is high. Mine will break $1k cl in May after I pay my 3rd bill and all I have used it for is a 0%$0 bt that will not be paid for by then.





Yeah, I'm guessing I'll have to deal with them. They were showing inactive - even after I've had small charges on them. It took charging up $150, then paying it off to show active. It's hard to use such a small limit though. High util isn't the problem, simply using it is...

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


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Moderator Emeritus

Re: need to vent about crapital one

I'm not a fan of CapOne either.
 
I received "pre-approved" offers for a personal card. I app'd and was denied with scores in the low to mid-600s. Arghh. And they dinged me with 3 inquiries to boot.
 
I then get in the mail a pre-approved offer for a business CapOne cc. I thought I learned the first time, but Nooooooo, it happened again. Inquiry count in a 3 month period: 6. I still get offers every other week.
 
What's that cliche? Fool me once, shame on you; fool me twice, shame on me.
 
My only experience is a KMart CapOne card years ago: $75 CL. Not a typo. Thay's why they call themselves CapOne. Because I had to cap my purchases at $1 so as to prevent going over 10% utilization.
 
 


Message Edited by llecs on 03-11-2008 09:40 AM
Senior Contributor

Re: need to vent about crapital one

Since dh has 0% for 6 months, I put $1k auto dep on it.  The remaining $1k has been spent for all his fuel, cust lunches. 
 
I received a card in the mail with 3 stickers, lol.  If I follow their rules, i.e. use the card, pay on-time, no over the limits, I'm eligible for $500 luv at 3 months. 
 
I guess I'm supposed to use these stickers as some sort of reminder on my calendar.
 
SHEESH!


Message Edited by fishbjc on 03-11-2008 07:02 AM
Established Contributor

Re: need to vent about crapital one

know what you mean bama girl--sometimes I just dont know what to say about them!!
I want to join the 700 club one day I am getting there Smiley Wink
FICOS 12/17/07 EQ-597 EX-651 and TU-651
FICOS 01/18/07 EQ-594 EX-651 and TU-662 FICOS
04/21/2008 TU-680 EQ-613 EX-688
Established Contributor

Re: need to vent about crapital one

Cap1 sure do spend alot of unnecessary postage Smiley Sad
I want to join the 700 club one day I am getting there Smiley Wink
FICOS 12/17/07 EQ-597 EX-651 and TU-651
FICOS 01/18/07 EQ-594 EX-651 and TU-662 FICOS
04/21/2008 TU-680 EQ-613 EX-688
Senior Contributor

Re: need to vent about crapital one



casinoannie97 wrote:
my cap one was maxed at 600 for 4 years. I got new card at 3500 and then combined them using the oldest date. They helped me when most would not. How many have helped you when you were down?????





I totally agree annie! They may not be the most desirable card out there, but if you take care of business, they will stick with you, and THAT will lead to better, higher cards. Smiley Happy
"Never ever, ever be late. Never" (FUTR)
Established Contributor

Re: need to vent about crapital one

Cap1 is my friend (for now).
I would really like to purchase a new Millineum Falcon with my WAMU (oops Chase card)!!!! But first I need a decent credit limit.
Valued Member

Re: need to vent about crapital one

i called the backdoor # last week and got the same ole same ole. I have had my card for almost 3 years and had one CLI..plus it aint even showing on my credit, they removed it for some reason...more than likely i will close it..not benefiting me any at all.