topic Re: Capital One in Credit Cards

Capital One

twiddledee — Wed, 04 Mar 2015 17:16:43 GMT

Does Capital One have memory of old charge off accounts? Had 2 cards 10 years ago that I stopped paying on.

Cap1 bought out my old credit card and although I now have established a decent credit history they don't seem to

Want to budge on any CLI. Are they viewing my old derogatory accounts?

Thanks

Re: Capital One

robbulous — Wed, 04 Mar 2015 17:20:00 GMT

I think all banks have infinite memory, however they know people's financial situations in life can change. The best way to find out what they think of you is to apply. Sorry, I know this isn't much information. Best of luck on your application.

Re: Capital One

CreditCuriosity — Wed, 04 Mar 2015 17:27:45 GMT

Cap1 is very forgiving of bad CO with them.... The have a very very short memory

Re: Capital One

Anonymous — Wed, 04 Mar 2015 17:33:53 GMT

Yes and no. It depends on the profile too

Re: Capital One

Pway — Wed, 04 Mar 2015 17:41:40 GMT

Nixon,

I agree it all depends on your over all credit profile. It specifically states on their website that any deliquency on your cr they are not likely to give out credit line increases.

Re: Capital One

dobirdsmommy — Wed, 04 Mar 2015 17:45:51 GMT

I went bad on capital one for about 750, in 2008-2010, old 2 orchard banks also

2015 i now have 35k with them

Re: Capital One

CreditCuriosity — Wed, 04 Mar 2015 17:53:06 GMT

@dobirdsmommy wrote:
I went bad on capital one for about 750, in 2008-2010, old 2 orchard banks also

2015 i now have 35k with them

Lets just say I am worse then you by far and still have cards with them.