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@Anonymous wrote:I think for me a lot of my loyalty to Cap comes from the fact that when I had my BK, I did everything wrong. I had things hit after my BK, including a repo for a reaffirmed car during the BK, and I didn’t get to rebuilding my credit until 3 years and some months after my BK and Cap sent me an offer for an unsecured card. I applied for it not expecting an approval and got a $500 limit which is now $8250.
Same boat as you but I had no BKs and started off at $500 and in 4 years only to $4500, I dislike Cap 1 for keeping me at the same APR even though I am on the Venture One card now that I upgraded 2 months ago. Hoping I can get a higher credit line, but wont even bother doing a HP with them
@Anonymous wrote:
@Anonymous wrote:I think for me a lot of my loyalty to Cap comes from the fact that when I had my BK, I did everything wrong. I had things hit after my BK, including a repo for a reaffirmed car during the BK, and I didn’t get to rebuilding my credit until 3 years and some months after my BK and Cap sent me an offer for an unsecured card. I applied for it not expecting an approval and got a $500 limit which is now $8250.
Same boat as you but I had no BKs and started off at $500 and in 4 years only to $4500, I dislike Cap 1 for keeping me at the same APR even though I am on the Venture One card now that I upgraded 2 months ago. Hoping I can get a higher credit line, but wont even bother doing a HP with them
It’s not like Cap is the only lender that won’t lower your APR, Chase is the same way. If you don’t carry a balance, it doesn’t matter.
Everyone should have a credit union platinum card for those expenses that require one to carry a balance and PIF everything else.
Thank you for your input as well. I do appreiate it., I do not like to waste a HP if I do not have to. I have quite a few right now. One less would be helpful.
@Anonymous wrote:Thank you for your input as well. I do appreiate it., I do not like to waste a HP if I do not have to. I have quite a few right now. One less would be helpful.
Did you take a score hit? Once you get to a certain number of inquiries, you get bucketed. I took 2 on TU, 1 on EX, and 1 on EQ in the last month and lost 0 points because I already was at 5/6/6.
@Anonymous wrote:
It makes no difference at all if it caused the requesters score to drop because it’s supposed to be a soft pull. Their website states that requesting a CLI won’t affect your credit. Any other lender that gives you the option of requesting a CLI has specific language advising you that they will pull your credit. Some do have that language and mainly do SP’s. I don’t see how disputing a erroneous hard inquiry would set someone up on a radar for AA.
Because everything at Capital One is controlled by algorithms in the system. A dispute likely has something programmed into the algorithms as well. Far better to go along with the stated path to rectifying the error than potentially creating a problem that can’t be fixed by a human.
Remember, this is the company that can’t override the system even with the EO getting involved.
This is what I have learned about Cap 1 having them for 4 years, the customer service sucks and they bucket a person based on intial HP when 1st applied. I have talked to my legal shield and had them send out legal letters to Cap1 when I got denied a CI, due to the generic letters they send out, main reason was not making more than the min payments? Min payments set at $75 and I made $300 payments for over 8 months. Excut customer service got invloved and were useless, they telling me we cant give you a CI, after that I went online and did the automated CI (Soft pull) and was granted $2k increase, which I am now at $4500 after 4 years. It annoys me to learn that some of you have BKs and are well over my CL. I would never waste a HP with Cap1 and get another one of their products
Thank you for your response. I know that I have a short history with my longest account being 4 years. I moved to the US in 2013 and did not obtain credit until 2015. So I am still trying to bring my credit age up but that all you have is time to wait it out. I also have student loans and it seems each year they open me multiple accounts instead of adding to the ones I have. Not sure if that is taken into account when doing AAOA.
It is funny is the capital one card is the only one I wanted a limit increase on so my utilization is not too high since I had two put two unplanned trips to New Jersey on there. It is not going to just be a couple of months on that one.