Capital one is responsible for making me 'average' again thats for sure lol. I had ~588 scores not long ago. I got one of those credit ones, used it for cellphone only for a year, then a quiksilver with 1.5% back, and a journey no annual fee 1.25%. I used my calculator for rewards vs. fees and decided to close the quicksilver when I received the chase freedom. The feeling I get from these boards for under 700 fico's is rock Cap1 if you got them but citi amex and chase offer the same thing have more potential for cardholders in the long run. If you have no baddies then your potential is everywhere.I have to be friends with TU and work from there, once i learned that I can play with the big boys with an arm behind my back by only apping on TU pulls and runing away from experian and equifax then I will do so.
Not every case can be made online. Call them and just ask for what you want. Id rather have a quicksilver or venture, or whatever is the new darling with a 5k credit limit than 2capital ones with another hard pull with 2500 and 2500.
