Established Contributor
Posts: 739
Registered: ‎06-30-2007
crap One Doesn't give a Crap about their Customer

‎07-30-2007 03:06 PM

Crap One is changing my 8.9 fix to 7.65 + Prime I called an they said they aren't singling any one person. say it across the board. All the talk you hear about negotiating a lower rate with your company doesn't apply Crap One. They flat out ask you if you want to close your account, they'd rather make no money on you rather than less. I explained to her I already have rewards card I PIF, the only other card I need is one with decent rate I wouldn't mind carrying a balance for a few month ( 6 months or less) This comes shortly after I pay off the card . obviously they didn't want to spook me, and have the balance transfer somewhere else. the card is 4 years old, 2K CL no AF so I'm keeping it
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
(1,784 Views)
 
Established Contributor
ObsessedwithmyFico
Posts: 513
Registered: ‎05-31-2007
Re: crap One Doesn't give a Crap about their Customer

‎07-30-2007 04:08 PM

I got the same notice from CAP1 today...but personally I don't care what they increase their rates to. The accounts (I have 3) all have a $0 balance and I have no intention of using them except maybe for a pack of gum and then pay off immediately. 
(1,775 Views)
 
Member
roscoe
Posts: 25
Registered: ‎03-12-2007
Re: crap One Doesn't give a Crap about their Customer

‎07-30-2007 07:47 PM

Had to laugh-altho I  have had OK luck with cap 1 over the years they all of a sudden decided to add a hefty fee and would not work with me at all.  I have a great score and they were fine with losing a good customer instead of losing the fee so, here's to crap one!!
(1,746 Views)
 
Established Member
RockSolid
Posts: 24
Registered: ‎07-30-2007
Re: crap One Doesn't give a Crap about their Customer

‎07-30-2007 11:59 PM

Yeah its all the same with Cap 1.   But Cap 1 Auto has some goooood rates. exsp. for people out of bk.
(1,722 Views)
 
Established Contributor
Posts: 739
Registered: ‎06-30-2007
Re: crap One Doesn't give a Crap about their Customer
[ Edited ]

‎07-31-2007 04:37 AM - edited ‎07-31-2007 04:40 AM

They are offering 9.9% fix guaranteed for 3 years to those consider with excellence credit , they don't care my scores are well over 720 that I paid off their 2K cc with 75% Util, the only criteria I don't meat to have excellent credit credit is have a CC with a CL>10K WHERE DO THEY GET OFF JUDGING PEOPLE'S CREDIT WORTHINESS BASED ON PEOPLE'S CC CL WHEN THEY DON'T REPORT THE CL ON THEIR OWN ACCOUNTS

Message Edited by rbbyrbsn on 07-31-2007 04:40 AM
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
(1,710 Views)
 
Established Contributor
Posts: 739
Registered: ‎06-30-2007
Re: crap One Doesn't give a Crap about their Customer

‎07-31-2007 05:25 AM

http://cap1sucks.com/ you peeps that live in CA can find a contact about a pending lawsuit
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
(1,700 Views)
 
Established Contributor
Posts: 739
Registered: ‎06-30-2007
Re: crap One Doesn't give a Crap about their Customer

‎07-31-2007 07:46 AM

I call again and complained again turns out even though I have 2K Cl no AF they still consider me a subprime customer, or at least that's what I call having a "starter card" for 3 years and no CLI a 2K subprime card? Lol
People say "Only apply for credit you NEED"

I say "apply for credit you have PRATICAL use of"

I don't have AMEX card because I don't want a card that suffers from PMS
(1,667 Views)
 
Frequent Contributor
Lori344
Posts: 313
Registered: ‎04-01-2007
Re: crap One Doesn't give a Crap about their Customer

‎07-31-2007 11:26 AM

Has anyone tried Plant feedback with success. They sound horrible, thanks for the heads up. I wouldn't apply for a Crap 1 card, if someone paid my interest rates!!! :smileyindifferent:
(1,619 Views)