topic Re: When to call Capital One? in Credit Cards

When to call Capital One?

linux007969 — Mon, 30 Apr 2012 03:56:26 GMT

I am thinkng about my future with Capital One, I am wondering when the best time would be to call them to see if they can upgrade my card from the Classic Platinum to a Cash Rewards, I am also wondering when would be the best time to call and ask for the annual fee to be waived. Also when i call which number should i use, the front door? The Backdoor to the Account Speciallist? The backdoor to the Retentions? or the Backdoor to the Senior Esculation Account Manager? Below I have listed some information about the current cards I have. Some advice would be nice please. Thanks.

Capital One - Limit $300 AF $39 APR 22.9% Opened in January 2012 (Due to increase to $500 by July via Credit Steps program)

Amazon Store Card - $300 AF $0 APR: 25.9% Opened in Febuary 2012

Walmart Store Card - $300 AF $0 APR 22.9% Opened in Febuary 2012

Paypal Smart Connect - $400 AF $0 APR 26.9% Opened in Late Febuary 2012 (Recently got a paypal debit card to convert smart connect into a credit card to use whereever mastercard is accecpted.)

Total Credit $1,300

Re: When to call Capital One?

LS2982 — Mon, 30 Apr 2012 09:39:40 GMT

@linux007969 wrote:
I am thinkng about my future with Capital One, I am wondering when the best time would be to call them to see if they can upgrade my card from the Classic Platinum to a Cash Rewards, I am also wondering when would be the best time to call and ask for the annual fee to be waived. Also when i call which number should i use, the front door? The Backdoor to the Account Speciallist? The backdoor to the Retentions? or the Backdoor to the Senior Esculation Account Manager? Below I have listed some information about the current cards I have. Some advice would be nice please. Thanks.

Capital One - Limit $300 AF $39 APR 22.9% Opened in January 2012 (Due to increase to $500 by July via Credit Steps program)
Amazon Store Card - $300 AF $0 APR: 25.9% Opened in Febuary 2012
Walmart Store Card - $300 AF $0 APR 22.9% Opened in Febuary 2012
Paypal Smart Connect - $400 AF $0 APR 26.9% Opened in Late Febuary 2012 (Recently got a paypal debit card to convert smart connect into a credit card to use whereever mastercard is accecpted.)
Total Credit $1,300

Call the bolded number, and I would wait until 1 month before the yearmark hits to discuss upgrades/AF waiving.

Re: When to call Capital One?

linux007969 — Mon, 30 Apr 2012 12:26:48 GMT

@LS2982 wrote:
@linux007969 wrote:
I am thinkng about my future with Capital One, I am wondering when the best time would be to call them to see if they can upgrade my card from the Classic Platinum to a Cash Rewards, I am also wondering when would be the best time to call and ask for the annual fee to be waived. Also when i call which number should i use, the front door? The Backdoor to the Account Speciallist? The backdoor to the Retentions? or the Backdoor to the Senior Esculation Account Manager? Below I have listed some information about the current cards I have. Some advice would be nice please. Thanks.

Capital One - Limit $300 AF $39 APR 22.9% Opened in January 2012 (Due to increase to $500 by July via Credit Steps program)
Amazon Store Card - $300 AF $0 APR: 25.9% Opened in Febuary 2012
Walmart Store Card - $300 AF $0 APR 22.9% Opened in Febuary 2012
Paypal Smart Connect - $400 AF $0 APR 26.9% Opened in Late Febuary 2012 (Recently got a paypal debit card to convert smart connect into a credit card to use whereever mastercard is accecpted.)
Total Credit $1,300

Call the bolded number, and I would wait until 1 month before the yearmark hits to discuss upgrades/AF waiving.

Thanks!

Re: When to call Capital One?

Creditaddict — Mon, 30 Apr 2012 14:26:53 GMT

@linux007969 wrote:
I am thinkng about my future with Capital One, I am wondering when the best time would be to call them to see if they can upgrade my card from the Classic Platinum to a Cash Rewards, I am also wondering when would be the best time to call and ask for the annual fee to be waived. Also when i call which number should i use, the front door? The Backdoor to the Account Speciallist? The backdoor to the Retentions? or the Backdoor to the Senior Esculation Account Manager? Below I have listed some information about the current cards I have. Some advice would be nice please. Thanks.

Capital One - Limit $300 AF $39 APR 22.9% Opened in January 2012 (Due to increase to $500 by July via Credit Steps program)
Amazon Store Card - $300 AF $0 APR: 25.9% Opened in Febuary 2012
Walmart Store Card - $300 AF $0 APR 22.9% Opened in Febuary 2012
Paypal Smart Connect - $400 AF $0 APR 26.9% Opened in Late Febuary 2012 (Recently got a paypal debit card to convert smart connect into a credit card to use whereever mastercard is accecpted.)
Total Credit $1,300

Future and Capital One just can't be included in the same sentence unless it includes roasting marshmallows with the flames of your worthless Capital One card in a year or so

Re: When to call Capital One?

linux007969 — Mon, 30 Apr 2012 16:52:47 GMT

@Creditaddict wrote:
@linux007969 wrote:
I am thinkng about my future with Capital One, I am wondering when the best time would be to call them to see if they can upgrade my card from the Classic Platinum to a Cash Rewards, I am also wondering when would be the best time to call and ask for the annual fee to be waived. Also when i call which number should i use, the front door? The Backdoor to the Account Speciallist? The backdoor to the Retentions? or the Backdoor to the Senior Esculation Account Manager? Below I have listed some information about the current cards I have. Some advice would be nice please. Thanks.

Capital One - Limit $300 AF $39 APR 22.9% Opened in January 2012 (Due to increase to $500 by July via Credit Steps program)
Amazon Store Card - $300 AF $0 APR: 25.9% Opened in Febuary 2012
Walmart Store Card - $300 AF $0 APR 22.9% Opened in Febuary 2012
Paypal Smart Connect - $400 AF $0 APR 26.9% Opened in Late Febuary 2012 (Recently got a paypal debit card to convert smart connect into a credit card to use whereever mastercard is accecpted.)
Total Credit $1,300

Future and Capital One just can't be included in the same sentence unless it includes roasting marshmallows with the flames of your worthless Capital One card in a year or so

I would like there to be a future because they are the first that gave me credit and it will be my longest opened account, so i will try to stay with them as long as i can and hope for the best. They have been good so far, they take my payments and post everything correctly so i am happy with them, but i hope to upgrade if i can.

Re: When to call Capital One?

Anonymous — Mon, 30 Apr 2012 17:40:23 GMT

Capital One just upgraded my Platinum to the Cash card. After nearly 2 years of me calling and asking for a card upgrade/CLI and always having them say no, I got an email a few days ago saying to call up and upgrade.

Re: When to call Capital One?

linux007969 — Mon, 30 Apr 2012 17:53:43 GMT

@Anonymous wrote:
Capital One just upgraded my Platinum to the Cash card. After nearly 2 years of me calling and asking for a card upgrade/CLI and always having them say no, I got an email a few days ago saying to call up and upgrade.

I don't want to wait 2 years if at all possible, on their application process it defines someone with excellent credit as someone who is never late, no bankrup, and has had a credit card for 3 years or more. I'm sure this plays a role in why it takes a while to upgrade their customers. If all of this is true then i may have to wait 3 years, i guess will wait and see what happens later on this year when i call them.

Re: When to call Capital One?

Anonymous — Mon, 30 Apr 2012 18:13:27 GMT

The time to call Capital One is when you want to be entertained / frustrated. Their CSR will read from the script " We appreciate your business but Capital One is a very conservative lender..."

Re: When to call Capital One?

KingAdrock — Mon, 30 Apr 2012 19:53:35 GMT

Wait, Cap One does upgrades now? What I'd always read here and been told by CSRs is the only way to "upgrade" is to app for a whole new card and then combine. Since when did they start doing PCs?

My cap one is my oldest account, like OP, but it's a worthless starter card with the lowest CL and highest APR of all my cards. I keep it for history but it's essentially permenantly sockdrawered until I can turn it into something useful.

Re: When to call Capital One?

linux007969 — Mon, 30 Apr 2012 21:44:48 GMT

@KingAdrock wrote:
Wait, Cap One does upgrades now? What I'd always read here and been told by CSRs is the only way to "upgrade" is to app for a whole new card and then combine. Since when did they start doing PCs?

My cap one is my oldest account, like OP, but it's a worthless starter card with the lowest CL and highest APR of all my cards. I keep it for history but it's essentially permenantly sockdrawered until I can turn it into something useful.
KingAdrock, Have you asked for a credit limit increase? also how long have you had the card?

Re: When to call Capital One?

KingAdrock — Thu, 10 May 2012 16:51:07 GMT

@linux007969 wrote:
@KingAdrock wrote:
Wait, Cap One does upgrades now? What I'd always read here and been told by CSRs is the only way to "upgrade" is to app for a whole new card and then combine. Since when did they start doing PCs?

My cap one is my oldest account, like OP, but it's a worthless starter card with the lowest CL and highest APR of all my cards. I keep it for history but it's essentially permenantly sockdrawered until I can turn it into something useful.
KingAdrock, Have you asked for a credit limit increase? also how long have you had the card?

I've asked for CLIs, although not recently. Answer has *always* been the same, no customer initiated CLIs allowed. Backdoor #, frontdoor #, no difference. I opened the card in 10/2005.

Re: When to call Capital One?

espnjunkie — Thu, 10 May 2012 19:11:35 GMT

Opening 4 cards in 5 months and asking for a PC isn't likely to go over well haha. Sit back, let your accounts age for awhile, and then evaluate your position. In all honesty never expect much to come out of your Capital One card except to establish credit history (or rebuild if necessary).

Re: When to call Capital One?

Anonymous — Thu, 10 May 2012 19:53:23 GMT

I Pc'd Capital One No Hassle Rewards 2% groceries 1% everythihng else to a Cap One Cash rewards net 1.5% rewards everything about 2 months ago. I think I was lucky that my first Cap1 started a world mastercard with 5k. Everyone is right I haven't had a CLI in 3 years and they won't give me one but it's my goto card for cashback without thinking of the month/reward/points/category. I use chase/bce for the major rotation but this is a no brainer cash back on everything.

Re: When to call Capital One?

Anonymous — Thu, 10 May 2012 20:50:17 GMT

I have to agree with what King said. I have to Cap1 cards, one 2 years old started with 500 and 6 months later 750 CL. The other one is 3 years old, started with 500, 6 months later 750 and when I was about to cancel it they increased me to 3750. I called probably last summer and was told the same thing, no customer requested CLIs. Maybe I will try to get them to upgrade my Plat to one of their higher end cards without a annual fee (if Cap1 carries such cards ). The other card (3750) is a rewards card.

I also have to agree with what someone else said, the Cap1 one CS experience is one that borders on horrible and that border is on the negative side of horrible.