topic Re: How to "impress" Capital One? in Credit Cards

How to "impress" Capital One?

Anonymous — Sat, 15 Aug 2020 01:54:54 GMT

I've recently picked up a plain Jane Platinum card from Cap One. I'm on a rebuild, so I was happy to even get their $300 credit steps card.

Anyway, I read alot about what they "want to see". I hear about people that get CLIs falling from the heavens every time it's due to ask, and others with the same credit profile stuck at the same CL for years. What exactly makes the difference? Do they want to see heavy usage with a PIF every month? Light usage with a small balance reporting? Help me understand the key here. Thank you so much!

Re: How to "impress" Capital One?

AllZero — Sat, 15 Aug 2020 01:58:41 GMT

Credit Card Asset-Backed Securities (ABS) and why some subprime card never grow or graduate

Re: How to "impress" Capital One?

AllZero — Sat, 15 Aug 2020 01:59:42 GMT

Capital One check for upgrade link

Re: How to "impress" Capital One?

cashorcharge — Sat, 15 Aug 2020 02:47:14 GMT

Great share @AllZero I had never seen that before! Thanks

Re: How to "impress" Capital One?

AllZero — Sat, 15 Aug 2020 02:48:40 GMT

@cashorcharge wrote:
Great share @AllZero I had never seen that before! Thanks

@cashorcharge .You are welcome. 😃

Re: How to "impress" Capital One?

DebtJoe — Sat, 15 Aug 2020 03:11:50 GMT

Cap One likes heavy usage.

Re: How to "impress" Capital One?

Anonymous — Sat, 15 Aug 2020 03:35:21 GMT

Extreme efforts with Capital One will yield less than no effort at all from NFCU, PenFed, Chase, AmEx...

Don't try to impress the stodgy small town grump. Be yourself and be fawned over by the city slickers with deep pockets.

Re: How to "impress" Capital One?

Anonymous — Sat, 15 Aug 2020 06:17:35 GMT

As with most lenders, it's really profile-specific. What one person finds to be successful with their profile may be exactly the opposite of what someone else finds works for them.

Re: How to "impress" Capital One?

CreditCrusader — Sat, 15 Aug 2020 12:19:58 GMT

@DebtJoe wrote:
Cap One likes heavy usage.

..and also Rice Crispy Treats, though no one really knows where to mail them...

Re: How to "impress" Capital One?

Anonymous — Sat, 15 Aug 2020 12:38:12 GMT

How do people get that link to work? All it does is log me into my accounts and then a message pops up that says "We've hit a snag" and it has done that for months no matter what web browser I use.

Re: How to "impress" Capital One?

Anonymous — Sat, 15 Aug 2020 13:58:56 GMT

Thanks for the great info, fellas. I'll give it heavy usage and PIF, then. I mean, it's a 300 CL card. "Heavy usage" = one trip to the grocery store. I'm just trying to play the numbers game and avoid being forever bucketed with them.

Re: How to "impress" Capital One?

Shaw83 — Sat, 15 Aug 2020 14:53:34 GMT

Well if you have that credit steps platinum card, after you make so many on time payments it goes to $500 I believe. Then that's when the journey begins to get them to give you CLIs. But by then you may be eligible for a different card or a different creditor all together. I did the credit steps and got the 500 bump but nothing after that, so I closed it.

Re: How to "impress" Capital One?

Anonymous — Sat, 15 Aug 2020 15:09:30 GMT

@Anonymous wrote:
How do people get that link to work? All it does is log me into my accounts and then a message pops up that says "We've hit a snag" and it has done that for months no matter what web browser I use.

Log in to the Capital One website, click the link to view your card, add /productupgrade at the end of the url in the browser and hit enter. It should reload the page and bring up an offer if you have one. You may just not have one.

Re: How to "impress" Capital One?

M_Smart007 — Sat, 15 Aug 2020 16:17:51 GMT

@Anonymous wrote:
As with most lenders, it's really profile-specific. What one person finds to be successful with their profile may be exactly the opposite of what someone else finds works for them.

This is a great point of reference!

Re: How to "impress" Capital One?

M_Smart007 — Sat, 15 Aug 2020 16:19:24 GMT

@Anonymous wrote:
How do people get that link to work? All it does is log me into my accounts and then a message pops up that says "We've hit a snag" and it has done that for months no matter what web browser I use.

I think that is a very common problem, and a nice way of saying "No soup for you"