topic Re: Is This A Joke Capital One? Because I'm Not Laughing... in Credit Cards

Is This A Joke Capital One? Because I'm Not Laughing...

Queen_Etherea — Thu, 02 Jan 2020 16:27:52 GMT

So I've had this card for 2 years and have been stuck at a $500 limit. I've tried constantly to get a CLI on this stupid card, and Captial One just never wanted to budge. So once again, I tried my luck and was shocked when I got a different pop up other than the "It's not us, it's you and we'll tell you why in a letter." At first, I thought they were offering me a $600 increase, but then I looked again and noticed NOPE! We're going to increase your account to $600 because we're just that nice. I didn't accept the offer, but if I keep spending on this card, which I've been doing lately, do you guys think I'll get a better offer?

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Anonymous — Thu, 02 Jan 2020 16:27:21 GMT

Have you tried a PC?

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Caught750 — Thu, 02 Jan 2020 16:28:14 GMT

Sounds like it’s bucketed. A sad part of dealing with Cap1. It will likely ALWAYS be a starter Plat in their systems. Spend MAY help but I’ll ask, why? You have significantly superior cards so why bother with Cap1?

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Queen_Etherea — Thu, 02 Jan 2020 16:29:06 GMT

@Anonymous wrote:
Have you tried a PC?

https://verified.capitalone.com/sic-ui/#/esignin?Product=Card&Action=ProductUpgrade

Yup. It always gives me the "Upgrade not available" thing.

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Queen_Etherea — Thu, 02 Jan 2020 16:31:11 GMT

@Caught750 wrote:
Sounds like it’s bucketed. A sad part of dealing with Cap1. It will likely ALWAYS be a starter Plat in their systems. Spend MAY help but I’ll ask, why? You have significantly superior cards so why bother with Cap1?

Because they keep telling me no lol. Honestly, I have no idea. I should just close the darn thing and be done with it. I've gone through the links to close it a few times, but could never actually bring myself to hit that final cancel button. I do have better cards, so I don't know why I torture myself like this.

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Caught750 — Thu, 02 Jan 2020 16:34:08 GMT

I get it, I was extremely slow to close some cards that wouldn’t grow and had no value to me. I will say that I felt relieved to be rid of them though. Torture yourself over AmEx, WF, or PenFed...far more worthwhile!

Re: Is This A Joke Capital One? Because I'm Not Laughing...

NRB525 — Thu, 02 Jan 2020 16:49:30 GMT

Congrats on your awesome score increase.

An advantage with a $500 limit card, it is easy to max it out when playing with scores in the "Understanding FICO Scoring" forum. I used my secured SDFCU $500 card for that.

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Queen_Etherea — Thu, 02 Jan 2020 17:01:10 GMT

@Caught750 wrote:
I get it, I was extremely slow to close some cards that wouldn’t grow and had no value to me. I will say that I felt relieved to be rid of them though. Torture yourself over AmEx, WF, or PenFed...far more worthwhile!

You're right. I finally got an increase on my AMEX 3 months ago, so I'm patiently waiting for another 3 months. I love using my AMEX cards and am just waiting to pay one off so I can close one of those, too. I have the BCP, BCE, and EP, which is kind of redundant. Probably going to close both the BCE and EP beacuse they're low SL's anyways.

I can't seem to get crap with PenFed either, but I just paid off a $5,000 balance on my PenFed card, so we'll see if they offer anything in the near future. It just sucks that CLI request with them is a hard pull. Can't seem to get a CLI on any of my WF cards either. I've been trying at least once a month with my Platinum Visa and nothing. I've banked with them for over 10 years; you'd think they'd throw me a little bone. I'm going to try a CLI for my WF Propel maybe next month.

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Anonymous — Thu, 02 Jan 2020 17:03:25 GMT

I have a Quicksilver, formerly Platinum, that will graduate to $500 this month or next month. I haven't used it since I got the PayPal. 2% with a limit I don't have to babysit to make sure I'm not over beats 1.5%

As soon as it hits $500 I'm freezing it and sock-drawering it. If they close it in a year or 20 years makes no difference to me.

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Queen_Etherea — Thu, 02 Jan 2020 17:03:42 GMT

@NRB525 wrote:
Congrats on your awesome score increase.
An advantage with a $500 limit card, it is easy to max it out when playing with scores in the "Understanding FICO Scoring" forum. I used my secured SDFCU $500 card for that.

HAHA! I should throw a party!

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Queen_Etherea — Thu, 02 Jan 2020 17:05:33 GMT

@Anonymous wrote:
I have a Quicksilver, formerly Platinum, that will graduate to $500 this month or next month. I haven't used it since I got the PayPal. 2% with a limit I don't have to babysit to make sure I'm not over beats 1.5%

As soon as it hits $500 I'm freezing it and sock-drawering it. If they close it in a year or 20 years makes no difference to me.

Ok I think I need to stop living in denial and just sock drawer it, or close it. Thank you guys for the much needed therapy session and tough love.

Re: Is This A Joke Capital One? Because I'm Not Laughing...

M_Smart007 — Thu, 02 Jan 2020 19:48:30 GMT

@Queen_Etherea wrote:
So I've had this card for 2 years and have been stuck at a $500 limit. I've tried constantly to get a CLI on this stupid card, and Captial One just never wanted to budge. So once again, I tried my luck and was shocked when I got a different pop up other than the "It's not us, it's you and we'll tell you why in a letter." At first, I thought they were offering me a $600 increase, but then I looked again and noticed NOPE! We're going to increase your account to $600 because we're just that nice. I didn't accept the offer, but if I keep spending on this card, which I've been doing lately, do you guys think I'll get a better offer?

Generous Souls .. $100

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Anonymous — Thu, 02 Jan 2020 19:53:02 GMT

I hate those $100 CLI! I got 4 of them in a row on my now CLOSED Cap One QS1!

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Anonymous — Thu, 02 Jan 2020 20:00:13 GMT

I’m close to hitting 6 months since my last CLI. I got 500, I’m hoping to get a bit higher of an increase the next go around

Re: Is This A Joke Capital One? Because I'm Not Laughing...

randomguy1 — Thu, 02 Jan 2020 20:06:53 GMT

Capital One and buckets...

20% is not a bad increase though... It's just a small increase since the initial CL was not good.

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Anonymous — Sat, 04 Jan 2020 03:39:32 GMT

The did the same to me after 1 year. Offered me a $100 increase. Ridiculous.

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Anonymous — Sat, 04 Jan 2020 05:56:12 GMT

@NRB525 wrote:
Congrats on your awesome score increase.
An advantage with a $500 limit card, it is easy to max it out when playing with scores in the "Understanding FICO Scoring" forum. I used my secured SDFCU $500 card for that.

Can you elaborate on what you mean?

Re: Is This A Joke Capital One? Because I'm Not Laughing...

KLEXH25 — Sat, 04 Jan 2020 06:07:30 GMT

When it became clear to me that my Platinum turn Quicksilver card was bucketed and that I’d likely never get past my $500 limit, I gave up and closed it. It was hard since it was my first card, and I considered sock drawering it, but I just didn’t want to worry or even think about it. It was like pulling off a bandaid and now I don’t even think about it.

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Brian_Earl_Spilner — Sat, 04 Jan 2020 06:33:48 GMT

@Anonymous wrote:
@NRB525 wrote:
Congrats on your awesome score increase.
An advantage with a $500 limit card, it is easy to max it out when playing with scores in the "Understanding FICO Scoring" forum. I used my secured SDFCU $500 card for that.
Can you elaborate on what you mean?

You can use the small limit to help look at scoring changes with things like utilization thresholds or number of cards carrying a balance, etc. You wouldn't want to take a $10k limit card to 90% utilization.

Re: Is This A Joke Capital One? Because I'm Not Laughing...

Brian_Earl_Spilner — Sat, 04 Jan 2020 06:36:26 GMT

You have to put a lot of spend on it. After I cycled my cards 3x for 3 months, I finally got decent CLIs in comparison to my $300 limits. I only stopped trying to grow them because I started getting cards with better rewards.