topic Re: 3rd Cap One?? in Credit Cards

3rd Cap One??

Anonymous — Sat, 12 May 2012 04:58:57 GMT

As I mentioned in my first post, I was able to get the Cap One Platinum as the first card, Sony Cap One as the second card, 45 days in between 2 on the dot. I am thinking of tryin for that CASH BACK CAP ONE next once the 45 days hits after SONY card. What do you guys think? should I, or should I just work the cards I have now?

Thank you in advance for all your feedback.

Re: 3rd Cap One??

remarc — Sat, 12 May 2012 05:35:03 GMT

Hey.. I tried a while back because they would not upgrade my basic platinum card to a cash rewards & the CSR told me to do it and we could cancel the other one... It turns out you can not get 3 cards with Capitol One.

The letter stated: you have no been credit checked because its unavailable to get three cards with Capitol One..

To be honest I don't know why I bothered. I really dislike Capitol One. Ive been with them for over 3 years and only had 1 CL increase in that time. Ive never been late and never missed a payment.. They are terrible.

Re: 3rd Cap One??

Anonymous — Sat, 12 May 2012 05:38:04 GMT

Yep, two card limit from Cap1. At least their major cards. Techically I got 3 Cap1 cards: Rewards, Plat and Kohl's, but they do not count store cards in that.

Re: 3rd Cap One??

Anonymous — Sat, 12 May 2012 05:39:29 GMT

My buddy at this moment has 3 cap one cards.

Capital One Platinum

Capital One Cash Back (green one)

Sony Cap One

This is as of today he has that, the cash back and sony he got within 2 months of each other.

You should try again, it seems like they like low 600's

Re: 3rd Cap One??

Anonymous — Sat, 12 May 2012 05:43:01 GMT

Would Sony Cap One be considered a store card?

Re: 3rd Cap One??

remarc — Sat, 12 May 2012 05:45:37 GMT

Yeah. i think sony is a store card.. FYI.. you can get much better cards.. i got a Discover, Chase and Citi cards that have 3 times the CL i have on my Capitol One and everytime i call them to ask they give me the same answer!

At the end of this year unless they increase my CL or change the card i am going to cancel one of them. no need for two not very good cards..

Re: 3rd Cap One??

beb86 — Sat, 12 May 2012 05:45:51 GMT

i have 3 cap one cards

secured

nhcr

mtv visa

Re: 3rd Cap One??

beb86 — Sat, 12 May 2012 05:46:29 GMT

@beb86 wrote:
i have 3 cap one cards
secured
nhcr
mtv visa

well tech 4 if you include my bbrzmc

Re: 3rd Cap One??

Anonymous — Sat, 12 May 2012 05:48:15 GMT

@remarc wrote:
Yeah. i think sony is a store card.. FYI.. you can get much better cards.. i got a Discover, Chase and Citi cards that have 3 times the CL i have on my Capitol One and everytime i call them to ask they give me the same answer!

At the end of this year unless they increase my CL or change the card i am going to cancel one of them. no need for two not very good cards..

Sony is my best card right now aside from AMEX charge card. Cool rewards and 0% till March 2013. Got denied for Discover, Chase Slate which i really wanted and Citi at least for now.

Re: 3rd Cap One??

remarc — Sat, 12 May 2012 05:49:07 GMT

again some of those are store cards!

AS for the Best buy reward zone mastercard.. another crappy card if you ask me.. one for never increasing limits and terrible APR.. The best buy store card is much better if you ask me.. anyhoo.. Mine is still showing its with HSBC.. is it going to be moved???

Re: 3rd Cap One??

Anonymous — Sat, 12 May 2012 05:52:25 GMT

@Anonymous wrote:
Would Sony Cap One be considered a store card?

Sony is considered a cobranded card, so technically should be able to still get another Capital One.

http://ficoforums.myfico.com/t5/Credit-Cards/Capital-one-How-many-cards-can-you-have/td-p/1257227/highlight/true/page/3

Re: 3rd Cap One??

Anonymous — Sat, 12 May 2012 05:54:10 GMT

@remarc wrote:
again some of those are store cards!

AS for the Best buy reward zone mastercard.. another crappy card if you ask me.. one for never increasing limits and terrible APR.. The best buy store card is much better if you ask me.. anyhoo.. Mine is still showing its with HSBC.. is it going to be moved???

it will be, I read that it will show as Cap One eventually. I actually got denied for the Best Buy Card, which was funny since requirements for SONY are much tougher.

Re: 3rd Cap One??

AF_23 — Sat, 12 May 2012 05:54:23 GMT

You'll get another very small limit card from them. These Cap 1 cards will not grow with you either.

Re: 3rd Cap One??

Anonymous — Sat, 12 May 2012 05:55:02 GMT

@Anonymous wrote:
@Anonymous wrote:
Would Sony Cap One be considered a store card?
Sony is considered a cobranded card, so technically should be able to still get another Capital One.

http://ficoforums.myfico.com/t5/Credit-Cards/Capital-one-How-many-cards-can-you-have/td-p/1257227/highlight/true/page/3

Sweet, I will try to apply for the cash back when the 45 days hit again. Thanks for that input.

Re: 3rd Cap One??

beb86 — Sat, 12 May 2012 05:57:15 GMT

@remarc wrote:
again some of those are store cards!

AS for the Best buy reward zone mastercard.. another crappy card if you ask me.. one for never increasing limits and terrible APR.. The best buy store card is much better if you ask me.. anyhoo.. Mine is still showing its with HSBC.. is it going to be moved???

sometime i just got the letter in the mail today about it from cap 1

Re: 3rd Cap One??

Anonymous — Sat, 12 May 2012 06:06:16 GMT

@AF_23 wrote:
You'll get another very small limit card from them. These Cap 1 cards will not grow with you either.

I read about the Cap One Cash Back card, the one that is for average credit has a "accelarated steps program" for heavy users. Limit goes from $500 to $1000 in 5 months and shows on 7th statement, just like the platinum. This is very recent information maybe 4 days ago.

Re: 3rd Cap One??

AF_23 — Sat, 12 May 2012 06:14:57 GMT

@Anonymous wrote:
@AF_23 wrote:
You'll get another very small limit card from them. These Cap 1 cards will not grow with you either.
I read about the Cap One Cash Back card, the one that is for average credit has a "accelarated steps program" for heavy users. Limit goes from $500 to $1000 in 5 months and shows on 7th statement, just like the platinum. This is very recent information maybe 4 days ago.

Correct, i was told by 7th statement as well. However, my orginal platinum 4.7 yr old has never seen an increase though. They may triple pull you again on your credit file for the cash card if you go for it..

Re: 3rd Cap One??

Anonymous — Sat, 12 May 2012 06:22:07 GMT

Don't count on Cap1 to give you decent increases. My Cap1 history is thus.

Got a rewards card in Dec 09, 500 limit, 6 months later 750, then it was stagnant. When I was ready to dump it they increased me to 3750, I was shocked! That happened Dec 11.

Got a Plat Jan 11, 500 limit, 6 months later 750 and it is still sitting there.

I would have to look up the APRs to be 100% sure, but I think the rewards is 13% and the Plat is 22%. They also like to make mistakes and then not correct them! AF on rewards $39 and Plat $19.

Just do not get your hopes up when it comes to Cap1.

Re: 3rd Cap One??

pipeguy — Sat, 12 May 2012 08:59:20 GMT

@Anonymous wrote:
Would Sony Cap One be considered a store card?

No, the Sony card is a Visa Card that can be used anywhere that takes Visa. The Cap-1 issued Sony card could be considered a co-branded card but its NOT a store card.