topic Re: Cap1 finally want me in Credit Card Applications

Cap1 finally want me

bigbang91 — Sat, 14 Feb 2015 09:54:30 GMT

I just check cardmatch by cc.com,and cap 1 cc pop up everywhere. Both Venture, prestige, QS x2, platinum... But no thanks. They denied me back when i was just started my cc journey in 2013,while all others approved me, so im still holding a grudge against them

Re: Cap1 finally want me

Imperfectfuture — Sat, 14 Feb 2015 14:12:02 GMT

Card match.com not really reliable. The best are when you get pre qualified on the actual card sites.

Re: Cap1 finally want me

Anonymous — Sat, 14 Feb 2015 15:09:55 GMT

At one time I had five Cap1 Personal and two Cap1 Business Cards with CLs of $10K+ and kicked all of them to the curb with a "closed at consumers request." Never again!

Re: Cap1 finally want me

bigbang91 — Sat, 14 Feb 2015 15:35:22 GMT

@ArmyVietVet wrote:
At one time I had five Cap1 Personal and two Cap1 Business Cards with CLs of $10K+ and kicked all of them to the curb with a "closed at consumers request." Never again!

You closed your accounts?why if you dont mind?

Re: Cap1 finally want me

App_Addict — Sat, 14 Feb 2015 15:54:15 GMT

Nothing wrong with holding a CC Grudge! You do remember those that gave you a chance when you were in your struggles, so more power to you!

Re: Cap1 finally want me

Anonymous — Sat, 14 Feb 2015 17:41:00 GMT

@bigbang91 wrote:
@ArmyVietVet wrote:
At one time I had five Cap1 Personal and two Cap1 Business Cards with CLs of $10K+ and kicked all of them to the curb with a "closed at consumers request." Never again!
You closed your accounts?why if you dont mind?

They increased my 7.9% Aprs (had for years) to 23.9% 2009 during the financial crisis and gave me a lot of verbalized nonsense. My accounts were paid in full. They told me it was a business decision (so was my closing the accounts). Also, two of the accounts were business accounts and in 2009 they decided to report them to the personal credit bureaus and informed me it was a business decision (so was my closing the accounts). They all report as "satisfactory paid" and "closed by the consumer." At this time I have many great banks and high credit lines/limits so there is no need for more accounts. Cap1 offer some good card products today but, not so much when I closed my accounts in 2009. Actually, I have acquired several accounts that earn rewards in the 5% categories and I am utilizing them (likely wouldn't Cap1 anyway - even though they have good cards). They did give me a start but in 2009 they tended to not grow with a card holder (way better today). Times were different. No regrets

Re: Cap1 finally want me

Anonymous — Sat, 14 Feb 2015 17:38:59 GMT

@bigbang91 wrote:
I just check cardmatch by cc.com,and cap 1 cc pop up everywhere. Both Venture, prestige, QS x2, platinum... But no thanks. They denied me back when i was just started my cc journey in 2013,while all others approved me, so im still holding a grudge against them

Cardmatch Cap1 prequals are garbage. Cardmatch showed I was prequal for Venture, VentureOne, QS, so to jump on the Venture bonanza I applied.

Instant denial.