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Contributor
Posts: 97
Registered: ‎10-03-2012

What is the deal with Capital One?

So i've read CrapOne, Crap none and other variations for Capital One, so what gives? lol

Senior Contributor
Posts: 3,462
Registered: ‎11-30-2007

Re: What is the deal with Capital One?

Cap One is considered by to sub-prime.  However, it's a good card to rebuild or start with.  Cards just don't grow with you and they're not good about giving too many credit line increases.

 

 

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New Visitor
Posts: 0
Registered: ‎12-28-2012

Re: What is the deal with Capital One?

2009 Cap One approved a card for 300 dollar credit. I activated it over the phone, went to the store to use the card and was told the card was invalid!

 

I NEVER used the card yet it is now on my credit report for THREE HUNDRED DOLLARS!

 

What to do?

Epic Contributor
Posts: 22,406
Registered: ‎01-17-2008

Re: What is the deal with Capital One?

Call Cap One. 

 

If they charged your card fees to open it, it could have run it to the CL.

Valued Contributor
Posts: 1,671
Registered: ‎05-24-2007

Re: What is the deal with Capital One?

Capital One has many different cards and are not just subprime.

 

I have a personal card opened at $10k limit, which is now $18K. I also have a CapOne business card opened at $15K, now raised to $20K. Reasonable rewards, no fees, and no complaints other than they pulled all three CRAs for approval.

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