topic Re: so done with Capital One/rant in Credit Cards

so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 18:06:25 GMT

It's been a little over a year that I've had my Quicksilver one card and I can't get anything out of them. Yes they did help with my rebuilding but for some reason I believe they just don't like me. Too bad I only have the Sony card, qs1 & bankamericard because I am so tired of them. When I got my card my credit was 550 and now 655-670 and I can't get a PC, CLI not even another card out of them because they claim I have too many cards... Really? I have 2 cards. I'm frustrated with them. So I think it's time to say bye bye...

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 18:15:06 GMT

Before you say bye bye to them, get another major card. Having too few card to too small CL might prevent you from getting better cards with better CL.

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 18:16:19 GMT

@Anonymous wrote:
It's been a little over a year that I've had my Quicksilver one card and I can't get anything out of them. Yes they did help with my rebuilding but for some reason I believe they just don't like me. Too bad I only have the Sony card,qs1 &bankamericard because I am so tired of them. When I got my card my credit was 550 and now 655-670 and I can't get a PC,CLI not even another card out of them because they claim I have too many cards... Really? I have 2 cards. I'm frustrated with them. So I think it's time to say bye bye...

Is that the only reason they're giving you? I wouldn't close the card simply because you cannot get an increase or PC out of them. They have been very stingy with me as well. After my credit steps ended on both cards, I was increased to $750. I plan to combine both cards in January after my 6 month increase this month. Crappy limits but they were the start to my rebuild. You stated you cant can't get another card with them. Did you apply for another product with them? It usually tells you in the disclosure how many cards you can have prior to applying. Always check for prequal as well. What does the rest of your profile look like other than scores?

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 18:23:07 GMT

@Anonymous wrote:
It's been a little over a year that I've had my Quicksilver one card and I can't get anything out of them. Yes they did help with my rebuilding but for some reason I believe they just don't like me. Too bad I only have the Sony card, qs1 & bankamericard because I am so tired of them. When I got my card my credit was 550 and now 655-670 and I can't get a PC, CLI not even another card out of them because they claim I have too many cards... Really? I have 2 cards. I'm frustrated with them. So I think it's time to say bye bye...

Sorry to hear and don't take credit too personal. How many times have you applied to their cards? Give it sometime, use other cards and revisit CAP 1. Time and patience is your friend when it comes to credit.

Re: so done with Capital One/rant

Creditdreamer — Thu, 03 Dec 2015 18:23:31 GMT

What is your spend on the cards?

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 18:38:20 GMT

I really don't know go to reply to everyone separately but I have 3 medical bills on my credit report. Like I said, before I have a Sony & qs1 card which cannot be combined. Sony $300 and qs1 $750. I had the secured with them for 2 years and closed it a couple of months ago. It's hard to build or get other cards when no one wants to give you a chance.

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 18:44:09 GMT

@Anonymous wrote:
I really don't know go to reply to everyone separately but I have 3 medical bills on my credit report. Like I said, before I have a Sony &qs1 card which cannot be combined. Sony $300 andqs1 $750. I had the secured with them for 2 years and closed it a couple of months ago. It's hard to build or get other cards when no one wants to give you a chance.

Do you run a lot of stuff through your QS1? I have been helping my bf with his credit recently. I advised him to run every single thing through his Q1 and he went from $750 to $2500 after his credit steps ended. You may need to try that but make sure you PIF before your due date/statement cuts or keep your UTI below 10%.

**Also when you go to reply hit Quote and you'll be able to respond to individual responses!!!

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 18:49:23 GMT

@Anonymous wrote:
I really don't know go to reply to everyone separately but I have 3 medical bills on my credit report. Like I said, before I have a Sony & qs1 card which cannot be combined. Sony $300 and qs1 $750. I had the secured with them for 2 years and closed it a couple of months ago. It's hard to build or get other cards when no one wants to give you a chance.

Just clicked on reply under whomever you want want to reply to. Once you hit reply, click on quote and it will populate their message as you type your response. With the instruction out of the way, that is a long time to have a secure card.

Don't feel helpless. What are your scores? It seems the medical bills are holding you down. There is a rebuilding sub-section on here that has a wealth of information. If you have not visit there yet, go on there and read as much as you can to see how you can work on the medical bills on your report.

Once that is done, your scores should see a boost for you to be able to get a few cards you want. Hang in there.....

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 18:51:30 GMT

Creditdreamer at first I was using the card and paying it off quickly because I was following the don't go over 30% rule but someone told me they like to see usage so last month I put all my expences on it and paid multiple times in the month

Re: so done with Capital One/rant

Creditdreamer — Thu, 03 Dec 2015 18:53:47 GMT

@Anonymous wrote:
@Anonymous wrote:
I really don't know go to reply to everyone separately but I have 3 medical bills on my credit report. Like I said, before I have a Sony &qs1 card which cannot be combined. Sony $300 andqs1 $750. I had the secured with them for 2 years and closed it a couple of months ago. It's hard to build or get other cards when no one wants to give you a chance.
Do you run a lot of stuff through your QS1? I have been helping my bf with his credit recently. I advised him to run every single thing through his Q1 and he went from $750 to $2500 after his credit steps ended. You may need to try that but make sure you PIF before your due date/statement cuts or keep your UTI below 10%.

**Also when you go to reply hit Quote and you'll be able to respond to individual responses!!!

I've been doing this same thing. Running a ton through my card and paying on it every few days. I think it makes a big difference because they see that you are on top of things. I started doing that with my secured platinum after having it and carrying a balance almost every month since 2012. Then three months later, I apped for the regular platinum and got approved at the same limit as my secured card. Since mid October, I have run a ton of money through that thing. A week ago I asked on chat and they let me PC my Platinum to a Quicksilver. So they must be liking the spending and paying off I'm doing I'm assuming. I also only let my statement cut with 3% utlization. Also, I set myself up on auto-pay as well because someone on one of the threads said she did that and got a credit limit increase about a month later. All of these are YMMV situations. But it's about maximizing your chances. Or that is what it's about for me because I'm a bit obsessed. I just want to feel like I'm doing all I can to get closer to my goal.

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 18:54:27 GMT

I'm using my phone so I don't see reply, only add comment lol. I'll learn soon. And I really appreciate all of the info you all giving. Been lurking and learning for a few months now.

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 18:57:51 GMT

@Anonymous wrote:
It's been a little over a year that I've had my Quicksilver one card and I can't get anything out of them. Yes they did help with my rebuilding but for some reason I believe they just don't like me. Too bad I only have the Sony card, qs1 & bankamericard because I am so tired of them. When I got my card my credit was 550 and now 655-670 and I can't get a PC, CLI not even another card out of them because they claim I have too many cards... Really? I have 2 cards. I'm frustrated with them. So I think it's time to say bye bye...

Cap1 surely likes to see usage on their card. I have two QS1 now since one I had plat with I upgraded to another QS1 I use them both a lot and they have been generous with CLI. Just swipe and pay little at a time on it they like to see something on it don't pay it all off at once but try to keep Util down then you will see a big change in getting CLI

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 18:59:53 GMT

I love the qs1 card because of the cash back. I'm using it like crazy now and paying it off. Hopefully it'll help. Like I mentioned to someone here on another post, I only want 2/3 good cards. I don't want too many cards.

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 19:02:21 GMT

So if I made a payment yesterday is it OK to make another today or should I wait and pay it weekly?

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 19:05:17 GMT

Good advice in this thread...

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 19:10:08 GMT

@Anonymous wrote:
I love the qs1 card because of the cash back. I'm using it like crazy now and paying it off. Hopefully it'll help. Like I mentioned to someone here on another post, I only want 2/3 good cards. I don't want too many cards.

Always try to pay more then the minimum Doesn't have to be right after another in days you can do it a week apart, just when you are due pay a big chunk then your good

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 19:12:35 GMT

Make a payment once a week. Not every other day. From what you've told us your scores are improving. When I started my rebuild March of this year all I had was a $500 NFCU secured card, $1000 NFCU cash rewards, $300 Capital One PC, and $500 Capital One QS1. Scores have gone from 500s to 700s in less than 9 months and I have over $100K total credit. Just be patient.

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 19:13:14 GMT

Are those your FICO scores?

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 19:20:15 GMT

Yes TU 670 EX 654 EQ 634

Re: so done with Capital One/rant

Anonymous — Thu, 03 Dec 2015 19:23:46 GMT

@Anonymous wrote:
Yes TU 670 EX 654 EQ 634

Do you shop at Amazon by any chance?