topic Re: The last Capital One rant.. in Credit Cards

The last Capital One rant..

minimock — Tue, 25 Dec 2012 01:25:58 GMT

So I am home from the Middle East for the holidays..... And there are REAL telephones here with 800 numbers....And I got to thinking, you know what....All the posts I have made about Capital One and their business plan, and how they can do what they want to.....I said to myself, NO MORE!!! LOL

I call in get the standard shtick about were reviewing accounts all the time and make a long story explained everything and every complaint that I have ever read in a post here.

I got the Supreme Leader Supervisor, and she was like we can lower your APR 1%. I said after five years of putting thousands and thousand of dollars through the thing never late always early, never carry a balance, that's it? Really? Really?

I said close that card, and it didn't even take 5 seconds on her part LMAO.

She said do you have any comments about this situation? I said send someone over to the MyFico boards and read a little and see what kind of revenue you are loosing.

She was yea Ill make sure I make a not of it LMAO...Just a blow off.

In my defense though I did say I understood they are just doing their job, and any of the crappy tone in my voice was in no way directed to them in any shape manner or form.

Said Happy Holidays and ground up that card.....

I felt strangly at ease all day

Re: The last Capital One rant..

kevinjjc — Tue, 25 Dec 2012 01:31:04 GMT

Congrats, good riddance!

Re: The last Capital One rant..

Mike360 — Tue, 25 Dec 2012 01:34:20 GMT

From my experience on the phone Cap One doesn't care about keeping us as customers.

Re: The last Capital One rant..

Anonymous — Tue, 25 Dec 2012 01:34:54 GMT

I'm thankful they started me on my credit journey, but I'm gonna have to shred the card after I get a years worth of history.

Re: The last Capital One rant..

Anonymous — Tue, 25 Dec 2012 01:52:55 GMT

I'm so confused; I must have missed something here.

While you were in the Middle East, you were unable to get in contact with Capital One people who would assist you properly? And now that you are able to contact them, you're closing your account because you did not feel valued as a customer?

Re: The last Capital One rant..

Anonymous — Tue, 25 Dec 2012 02:02:21 GMT

Why would you close the card? Just use it very sparingly. Id keep the TL open, youve had it for who knows how long.

Re: The last Capital One rant..

minimock — Tue, 25 Dec 2012 02:04:37 GMT

@Anonymous wrote:
I'm so confused; I must have missed something here.

While you were in the Middle East, you were unable to get in contact with Capital One people who would assist you properly? And now that you are able to contact them, you're closing your account because you did not feel valued as a customer?

No I have been home several times over the last few years, and I always call and get the same schtick.

My story is the same as the 90% of everyone else here except for the few exceptions calling the corporate office.

I just didnt go that route because I dont feel one should have to go to the dentist to get your gums scraped to give people your business.

It was just one of those things........you do what you got to do

Re: The last Capital One rant..

minimock — Tue, 25 Dec 2012 02:06:03 GMT

@Anonymous wrote:
Why would you close the card? Just use it very sparingly. Id keep the TL open, youve had it for who knows how long.

It is the principle of the thing LOL, I got a hair up and just did it....feel better too LOL

Re: The last Capital One rant..

Anonymous — Tue, 25 Dec 2012 02:06:57 GMT

Calling about what though? What is the issue you were trying to address for which they always gave you the same shtick?

Re: The last Capital One rant..

minimock — Tue, 25 Dec 2012 02:15:05 GMT

@Anonymous wrote:
Calling about what though? What is the issue you were trying to address for which they always gave you the same shtick?

Can I get a product change.....NO, can I get a CL increase......NO.......can I get changed over to at least a rewards setup......NO, however you will sleep better at night KNOWING that we are constantly reviewing accounts for these type of things....

Do a search on Cap one posts.......its all the same schtick,

I figured I would follow my own advise, If I dont like what is on the TV, dont complain, it wont do any good.... just change the channel

Re: The last Capital One rant..

nicholasyud — Tue, 25 Dec 2012 02:15:32 GMT

i would keep it and run a few dollars on it rather then closed it unless they came with AF. Im not going to closed any account if there isnt AF.

Re: The last Capital One rant..

Anonymous — Tue, 25 Dec 2012 02:17:44 GMT

I just got a auto $500 CLI after 5 mos, CapOne are what they are, are they best? No, but I appreciate them.

Apply elsewhere for another card, or apply for another card with CapOne if your credit allows

Re: The last Capital One rant..

Anonymous — Tue, 25 Dec 2012 02:23:24 GMT

@Anonymous wrote:
I just got a auto $500 CLI after 5 mos, CapOne are what they are, are they best? No, but I appreciate them.

Apply elsewhere for another card, or apply for another card with CapOne if your credit allows

Capital One is only good if you can't get credit from other lenders. You should never risk 3 HPs for a Capital One card if you already have enough history to get with better sub-prime lenders.

Re: The last Capital One rant..

minimock — Tue, 25 Dec 2012 02:25:58 GMT

@Anonymous wrote:
I just got a auto $500 CLI after 5 mos, CapOne are what they are, are they best? No, but I appreciate them.

Apply elsewhere for another card, or apply for another card with CapOne if your credit allows

I fully understand and respect your point of view, but sometimes, you say that's it.....been bugging me for years.

Besides I figure if a bunch more folks don't do the same thing..."Going along to get along" Maybe they will change there transition starter card business plan and turn these awesome customers into premium customers.

Anyways, this was just some food for thought.

I apologize if I offend anyone's sensibilities, just sharing the experience

Re: The last Capital One rant..

Anonymous — Tue, 25 Dec 2012 02:27:43 GMT

Who are the better sub prime lenders? Clearly his credit is damaged in some capacity to even be dealing with Capone.

Re: The last Capital One rant..

Anonymous — Tue, 25 Dec 2012 02:43:54 GMT

Yeah, I know Capital One is stingy and does not have helpful/supportive CSRs. I've read all about it here and also experienced it myself. I just wasn't sure if you were referring to something specific here and was confused about the relationship to your time in the Middle East.

Re: The last Capital One rant..

Anonymous — Tue, 25 Dec 2012 02:45:26 GMT

Do a search on Cap one posts.......its all the same schtick,

I figured I would follow my own advise, If I dont like what is on the TV, dont complain, it wont do any good.... just change the channel

Good for you sir. I seriously have been thinking the same thing, I have had my cap 1 for over 4 years and its been stuck at 750. I have 6 other cards and just got approved for bce with starting at 2000. I feel like its not worth it, i asked them 2 months ago about cli and product changes and all they said was they were reviewing it periodically. I dont want to sound unappreciative because they were my first card, but its so not worth it anymore.

Re: The last Capital One rant..

Anonymous — Tue, 25 Dec 2012 02:45:58 GMT

@Anonymous wrote:
Who are the better sub prime lenders? Clearly his credit is damaged in some capacity to even be dealing with Capone.

Some people choose Capital One to start their journey and some because their credit is damaged, but it don't mean it's gonna be damaged forever.

p.s. look at his forum sig

Re: The last Capital One rant..

Anonymous — Tue, 25 Dec 2012 02:53:47 GMT

Im mobile, so I cant see his sig. CapOne are good rebuilder cards, a bridge to better cards if you will, I just dont see the point in closing it.

Re: The last Capital One rant..

nicholasyud — Tue, 25 Dec 2012 03:06:51 GMT

CApital one the only one offer me pre approved when my credit is trash when i had no credit at all no active credit card no positive history, bunch of negative trade line. They start me off and now i almost had everything i want it.......I dont want to trash them yet but since they help me out.....i would love to show them some love as paid back...........