Posts: 8,345
Registered: ‎12-30-2011
Re: Has your opinion of Capital One changed?
[ Edited ]

To point something out, Cap One isn't the only lender which has different tiers of credit cards and people's getting stuck in somewhat awkward categories.


The Chase Freedom cards which resulted from old Wamu tradelines were similar as one example from a number of poster's reports, I'm certain there are others.  For that matter, look at how the majority of secured cards are handled, there's very few which graduate compared to the many you close and start over with... and that's the same credit strata as Cap One unsecured rebuilders too for whatever that's worth.


Capital One has their business practices which are clearly working for them, it's absolutely not personal.  I don't think it's worth getting up in arms over, just go elsewhere if they don't want your business after you've completed your journey through credit purgatory.


Starting Score: EQ 561, TU 567, EX 599* (12/30/11, EX lender pull 12/29/11)
Current Score: EQ 04 679, EQ 8 708, TU 711, EX 702* (07/14/14, EX older)
Goal Score: 700 on EQ '04 (01/01/15)

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