topic Re: Cap1 causing marital discord. in Relationships and Money

Cap1 causing marital discord.

Anonymous — Tue, 10 Feb 2015 20:06:51 GMT

I pressured my DW into requesting a PC from her Cap1 Visa Platinum to a QS Rewards card. She hates dealing with stuff like this and while she was navigating their formidable phone menu tree, she told me "I hate you for this." After being directed to the "correct" CSR, she gave the spiel I had coached her on.

"My VP is my only non-rewards card. I want to carry its 17-year age over to the QS rather than apply new. I received an offer to do this last fall." Blah, blah, blah.

DENIED. She is welcome to apply for the QS if she'd like to. Why would she consider this now?

DW was not amused by the wasted 20 minutes and having to deal with CSR robots. Recon/EO was not possible unless I want to sleep on the sofa. I tried to do this via Live Chat but I could not figure out how to do this on the Cap1 website. Is it possible? Please tell me how.

Guess she can try again in another 17 years (you never know). Looks like the community opinion about Cap1 is well earned. I do not have Cap1 myself.

BTW, she's solid 800+ FICOs with only 4 credit cards. She only puts about $3k through the VP due to lack of rewards.

Hope this post doesn't come off as whiney or entitled.

Re: Cap1 causing marital discord.

Anonymous — Tue, 10 Feb 2015 20:13:21 GMT

Since we know what isn't in your wallet.. Why not just have her cancel it?

Re: Cap1 causing marital discord.

Anonymous — Tue, 10 Feb 2015 20:14:38 GMT

@holypockets,

It doesn't come across like that at all.. Valentines day is around the corner and maybe you can console her with a huge giftie If not sleeping on the sofa and doing all housework for a week should be a good deal.

Have her log unto the CAP 1 account and click on contact us. There should be an option to chat and then you can take it from there...

Re: Cap1 causing marital discord.

Anonymous — Tue, 10 Feb 2015 20:24:22 GMT

Hahaha!

The "Chat Now" option shows up on the Capital One Contact Us page periodically, I assume when the chat isn't overwhelmed. Just keep refreshing the "Contact Us" page and it'll show up within 10 minutes or so. Stupid, I know.

Re: Cap1 causing marital discord.

Anonymous — Tue, 10 Feb 2015 20:49:58 GMT

@Nixon, I was bloodthirsty from the sidelines for the immediate card cancellation but she didn't do it. It took her a long time to talk to a CSR robot in the first place. I can't imagine she'd want to call back to cancel the thing. Maybe that's how they keep their customers—don't talk to them.

Looks like more sock drawer time for it though. Hope it doesn't make the socks smell bad.

Re: Cap1 causing marital discord.

Anonymous — Tue, 10 Feb 2015 20:51:24 GMT

@jdt, Aaaaaaaah. Well I guess that was a little obtuse for me. Should have come here first for Cap1 Live Chat advise.

Re: Cap1 causing marital discord.

Anonymous — Tue, 10 Feb 2015 20:54:49 GMT

@Yes-its-Me, thanks for the reparations advice. It was truly an agonizing one-sided conversation to listen to. Apparently, "Representative" isn't an obvious choice in the phone menu.

Re: Cap1 causing marital discord.

Anonymous — Tue, 10 Feb 2015 21:28:45 GMT

Wow. I guess I'm lucky. My wife is pretty in tune with the whole cc-leveraging thing. But she does absolutely hate talking to customer service for any issuer and is prone to avoid it as much as possible, even when I plead with her to. I can't recall the problem specifically with CapOne, but my solutions for any issuer have been:

1. Online chat. With most issuers, the Chat option comes and goes, just check a few times throughout the day and see if chat becomes available. Then you can just 'be' her and nobody's the wiser.

2. I place the call myself and navigate through the maze to get to a customer service rep, then tell them "My wife needs to talk to you about her account," then hand the phone to my wife, CS will validate her identity, then have wife tell CS "I don't know anything about this, can I just authorize you to talk to my husband about my account?" Then she hands the phone back to me. Usually works.

3. I wait until we're going somewhere in the car (so she's a captive audience), then I get customer service on speaker phone so CS can validate that the actual cardholder is on the call, but I can do the talking (and CS can be comfortable that if wife disagreed, she'd say something).

Chris.

Re: Cap1 causing marital discord.

Anonymous — Tue, 10 Feb 2015 21:40:23 GMT

@cpaynter, sage advice, my friend. I wish I had searched these forums for the Live Chat trick.

I'm thinking about revisiting the issue today via Live Chat if I can get a link. Too soon? Nothin' to lose, right?

Re: Cap1 causing marital discord.

OnTheRebound — Wed, 11 Feb 2015 06:08:23 GMT

@Anonymous wrote:
Wow. I guess I'm lucky. My wife is pretty in tune with the whole cc-leveraging thing. But she does absolutely hate talking to customer service for any issuer and is prone to avoid it as much as possible, even when I plead with her to. I can't recall the problem specifically with CapOne, but my solutions for any issuer have been:

1. Online chat. With most issuers, the Chat option comes and goes, just check a few times throughout the day and see if chat becomes available. Then you can just 'be' her and nobody's the wiser. I also often "be" her via chat, as she too hates speaking to reps.

2. I place the call myself and navigate through the maze to get to a customer service rep, then tell them "My wife needs to talk to you about her account," then hand the phone to my wife, CS will validate her identity, then have wife tell CS "I don't know anything about this, can I just authorize you to talk to my husband about my account?" Then she hands the phone back to me. Usually works. I use this method also.

3. I wait until we're going somewhere in the car (so she's a captive audience), then I get customer service on speaker phone so CS can validate that the actual cardholder is on the call, but I can do the talking (and CS can be comfortable that if wife disagreed, she'd say something).

Chris.

And I thought I was the only one.

Re: Cap1 causing marital discord.

Anonymous — Wed, 11 Feb 2015 11:26:37 GMT

Let her keep her current cards. Get permission to add her as an AU on good rewards cards. Have her put her spend on your cards. Figure out how you will deal with payments if you keep your finances separate, or just handle them together if your finances are joint. She does not have to deal with CSRs, she has her own cards, and she has your cards as an AU to optimize spend.

Not everyone is suited for doing multiple CC applications, product changes, sign-on bonus churning and the like. Love her for who she is and do the heavy lifting for her if you enjoy it.

Re: Cap1 causing marital discord.

Anonymous — Thu, 12 Feb 2015 00:35:13 GMT

ugh thats like my GF she gets super bored when when i talk about credit.