topic Re: Closed my low CL Cap One card. in Credit Cards

Closed my low CL Cap One card.

Anonymous — Thu, 31 Jan 2013 01:05:53 GMT

Good riddance. It wasn't going to grow.

Re: Closed my low CL Cap One card.

creditnocash — Thu, 31 Jan 2013 01:09:17 GMT

well congrats!

on too bigger and better things.

Re: Closed my low CL Cap One card.

chnceit — Thu, 31 Jan 2013 02:45:32 GMT

@Anonymous wrote:
Good riddance. It wasn't going to grow.

A lot of members including myself got CLI on our Cap One through the Executive Office, did you not want to try that route?

Re: Closed my low CL Cap One card.

CreditJim — Thu, 31 Jan 2013 02:49:04 GMT

Yep. I would've tried the EO route. My low-limit Cap One I'd had for almost 6 years is now a Venture World Mastercard. It's like having a completely new card, without any hard pull.

Re: Closed my low CL Cap One card.

Give_Me_Credit_Please — Thu, 31 Jan 2013 04:24:24 GMT

I have Cap1 secured for about 1 year now and haven't received any cli nor any unsecured offers. I tried calling EO and it was a waste of time. Thinking about cancelling my cap1 as well.

Re: Closed my low CL Cap One card.

Epcot — Thu, 31 Jan 2013 05:07:06 GMT

Moving on to better things!

Re: Closed my low CL Cap One card.

Anonymous — Thu, 31 Jan 2013 07:25:36 GMT

There has actually been a lot of success around here with e-mailing the executive office, myself included. I was able to get annual fees waived permanently on two of my cards, and that was all I requested. Unfortunately, their secured cards seem to be sticking to the need for an extra deposit for cli.

Cap One may still need work in several areas dealing with the customer, but they do seem to be working on revisiting their policies. Don't give up on them yet!

Re: Closed my low CL Cap One card.

ali5541 — Thu, 31 Jan 2013 11:49:09 GMT

I had two Cap1 cards. Weirdly enough, when I did close my secured card ($201 limit) my FICO score jumped 30 points.....I really don't know why. But hey, whos complaining?

I got a CLI from the execs office on the second one.

Re: Closed my low CL Cap One card.

ednajen — Thu, 31 Jan 2013 12:14:52 GMT

Can someone please pm me the email address? Thanks

Re: Closed my low CL Cap One card.

racer-x — Thu, 31 Jan 2013 12:31:36 GMT

As mentioned a billllliiiooooon times, simplly hit the googlenator for 'capital one executive office email'.

Re: Closed my low CL Cap One card.

TiggerDat — Thu, 31 Jan 2013 12:31:55 GMT

@ali5541 wrote:
I had two Cap1 cards. Weirdly enough, when I did close my secured card ($201 limit) my FICO score jumped 30 points.....I really don't know why. But hey, whos complaining?

I got a CLI from the execs office on the second one.

Did you do both at the same time? What was the increase, maybe it was the increase that put up your score that much if it was to $2,000 or more?

It me a Better Business Bureau complaint to get Capone to treat me with a little more repsect. I find them really interesting to deal with in some ways. I asked many times and listened to them say that my credit limit was up to date, which was funny since I was getting new cards easily with better limits. I asked for them to remove my annual fee and they offered to waive it. I clearly stuck with the wording I was using and said that I really wanted to have it removed, but never said 'no' to them waiving it. In fact I never said 'no' to it three times one month and I never brought up the fact that it had already been waived. When I called and asked for them to lower the interest rate they said they could not, but they were happy to give me a $50 credit to my account! This was much more than I have paid in interest on the card in 2 years, 192 times more interest than I had paid in that period. I was merely trying to get the interest so that if the card ever converted it wouldn't be at a high interest rate. I figure once I get a Prime card from them it will be easier to get another with the bonus points/miles or whatever to use.

Re: Closed my low CL Cap One card.

ednajen — Thu, 31 Jan 2013 15:03:23 GMT

@racer-x wrote:
As mentioned a billllliiiooooon times, simplly hit the googlenator for 'capital one executive office email'.

Um thanks. I don't really go in Cap1 threads but I did do an "Executive Office" search and the first couple threads I saw mentioned getting pm's. I appreciate the information though.

Re: Closed my low CL Cap One card.

Anonymous — Thu, 31 Jan 2013 19:16:19 GMT

I tried with that low limit (300) card, and they would not budge, so I said scew it and closed it. I did get a CLI on my rewards card from 750 to 1K. I then did a balance transfer of that card to my new NFL card, that I got a CLI on from Barclays. I recently also opened a WalMart account. My wife opened a Kroger 1-2-3 Rewards card that I am a an AU on. Too many cards open right now.

Hoping to buy a new truck here in a few months, and want to let the dust settle a bit on the scores.

Re: Closed my low CL Cap One card.

p- — Thu, 31 Jan 2013 19:43:54 GMT

@Anonymous wrote:
Good riddance. It wasn't going to grow.

Hmm. A waste, in my opinion. If you have a cap1 subprime product, once you have good history and other high limit cards the exec office is happy to help with PC's and CLI's. My Cap1 rebuilder is now a green cash, and my highest limit card.

Why not use soft pulls to convert it to something better, and keep the benefit to your AAOA?

http://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-a-PC-or-CLI-from-Capital-One/td-p/1690104

Re: Closed my low CL Cap One card.

p- — Thu, 31 Jan 2013 19:47:22 GMT

@racer-x wrote:
As mentioned a billllliiiooooon times, simplly hit the googlenator for 'capital one executive office email'.

I'd say that was mentioned...

(•_•)

a google times...
( •_•)>⌐■-■
(⌐■_■)

Yeaaaah.

Re: Closed my low CL Cap One card.

Anonymous — Thu, 31 Jan 2013 19:47:31 GMT

@p- wrote:
@Anonymous wrote:
Good riddance. It wasn't going to grow.
Hmm. A waste, in my opinion. If you have a cap1 subprime product, once you have good history and other high limit cards the exec office is happy to help with PC's and CLI's. My Cap1 rebuilder is now a green cash, and my highest limit card.

Why not use soft pulls to convert it to something better, and keep the benefit to your AAOA?

http://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-a-PC-or-CLI-from-Capital-One/td-p/1690104

They refused to PC my secured card to anything.

No biggie, I got the CLI on my CR card and will be cancelling the secured one soon.

Re: Closed my low CL Cap One card.

p- — Thu, 31 Jan 2013 19:55:39 GMT

@Anonymous wrote:
They refused to PC my secured card to anything.

Bummer. I'm guessing it's not eligible for PC until it graduates. Have you talked to them about what it will take to graduate your secured card?