topic Re: Capital One in Credit Cards

Capital One

JK21 — Fri, 11 Jan 2013 20:11:29 GMT

What company does Capital One pull from? I just got approved for a $500 credit limit for their Platinum Master Card, any help will be great.

Thanks

Re: Capital One

Anonymous — Fri, 11 Jan 2013 20:12:28 GMT

Usually from all three!

Re: Capital One

armbenderc — Fri, 11 Jan 2013 20:13:38 GMT

@Anonymous wrote:
Usually from all three!

This.

Re: Capital One

tennisfan78 — Fri, 11 Jan 2013 20:14:07 GMT

@armbenderc wrote:
@Anonymous wrote:
Usually from all three!
This.

wow all HPs?

Re: Capital One

ihatemyscore — Fri, 11 Jan 2013 20:15:49 GMT

All 3 HP from all 3 CRA I was just approved for a 500 dollar cash rewards

Re: Capital One

tennisfan78 — Fri, 11 Jan 2013 20:34:33 GMT

That is crazy

Re: Capital One

Epcot — Fri, 11 Jan 2013 20:36:28 GMT

Yeah, unfortunately it usually costs 3 HPs.

Re: Capital One

Anonymous — Fri, 11 Jan 2013 20:40:20 GMT

@tennisfan78 wrote:
That is crazy

For us, yes, but if you were a lender, it's the only thing that makes sense! I assume others don't do it due to cost, but why should a bank gamble on just part of the picture, people here play games with spreading inqs among the CRAs, Capital One sees them all.

Re: Capital One

flowfaster — Fri, 11 Jan 2013 20:55:01 GMT

If you freeze two thirds of your CRs they will only pull the unfrozen one resulting in 1 hard pull. May cost you $40 though freezing and unfreezing. YMMV

Re: Capital One

Anonymous — Fri, 11 Jan 2013 21:13:44 GMT

Yes they pull all 3. Welcome to the world of Capital 1

Re: Capital One

Anonymous — Fri, 11 Jan 2013 21:19:31 GMT

Lol I'd rather pay 40 then have 3 hits for a 500 credit limit that you have to go through alot to get it to grow with you

Re: Capital One

JK21 — Fri, 11 Jan 2013 21:30:58 GMT

that is tough, but How hard is it to get a credit increase from them?

Re: Capital One

Shogun — Fri, 11 Jan 2013 21:34:14 GMT

Cap1 pulls all 3, it's about as easy as sprouting wings and flying.

Re: Capital One

Anonymous — Fri, 11 Jan 2013 21:42:02 GMT

Search CLI and capital one on this thread. Most everyone on this thread if they got an increase had to email the EO and wait for a decision. They do not do customer initiated requests other wise

Re: Capital One

ztnjpv — Fri, 11 Jan 2013 22:55:19 GMT

Yep: All three. They are a rough and rude company that way.

If Capital One was a restaurant and you were done eating and needed to go out to your car because you forgot your wallet, they wouldn't just ask for your car keys as collateral, they'd ask for your newborn baby, your coat, your shoes and then have two escorts follow you out to your car with guns. Yeah, they don't just do what works, they go above and beyond.