My response to refinance my car:
I would never ever bank with you again. I can't even get a **bleep**ty $1000 credit line increase after 3 years from your bank. If I ask its hard pull on my credit report you say no.Its a soft. Mean while its "3"... Really FBI. I don't love you no more and you don't love me. I always paid in full and never late for the 4 year I have been with you !!!! I was fully yours, until you lost me. You don't even speak English anymore when I call to ask you a question. Stop sending me emails and letters in the mail for pre approvals. Capital One save your money on the stamp and invest in Orchard lol 
I rather pay the extra 5% apr to my bank for the next 3 years with great customer service then to deal with your poor customer service.
Lol.. A dear john letter to the CC. Nice.
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.
I've always appreciated the "It's not you, it's me" approach.
In the bigger picture; you and Cap1 want different relationships.
I do wish companies trained representatives to say something like "Paying on time will not graduate this card or you to a higher tier. Wait a few years and apply for another product we offer or move on". People would be annoyed at hearing it but a lot of time would be saved.
Starting Score: 675
@drkaje wrote:I've always appreciated the "It's not you, it's me" approach.
In the bigger picture; you and Cap1 want different relationships.
I do wish companies trained representatives to say something like "Paying on time will not graduate this card or you to a higher tier. Wait a few years and apply for another product we offer or move on". People would be annoyed at hearing it but a lot of time would be saved.
+10000000000000, they need to grow a set and be up front with people and it would be a heck of alot easier on EVERYONE instead of just stringing people along for YEARS and givin cardmembers false hope....
More along the lines of "I think we should see other people".
July 2013 score: EQ FICO 819, TU08 778, EX "806 lender pull 07/26/2013
Goal Score: All Scores 760+, Newest goal 800+
Take the myFICO Fitness Challenge
Current scores after adding $81K in CLs and 2 new cars since July 2013
EQ:809 TU 777 EX 790 Now it's just garden time!
June 2017 update: All scores over 820, just pure gardening now.