Frequent Contributor
Posts: 374
Registered: ‎02-10-2013

Another reason to hate on Capitol One...


I hope the plaintiffs win!

As of 1/10/2014 EX FICO - 748. EQ FICO - 728. Trans FICO - 755

WellsFargo - $3,000 AMEX BCE - $18,000 Chase Freedom - $4,000

Super Contributor
Posts: 6,824
Registered: ‎10-03-2008

Re: Another reason to hate on Capitol One...

[ Edited ]

Why does this not surprise me?! Looked at some of my recent BT's and if you revolve a card balance past the grace period it will kick in the regular credit card purchases rate. So the 0% BT is that but the CC hits you for the higher CC rate too and allocates the payment as contained in the cardholder agreement. That is how most of the BT's I have seen work. Truth, a BT after your 6, 9, 12, 15, and 18 month intro period of 0% is a catch so you will kick in the regular higher purchases rate. Generally not such a good deal. Something that is not new.

Starting Score: 760
Current Score: EX 806 TU 814 EQ 818 FICO 08
Goal Score: 850

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