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Cap1 finally want me

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Established Contributor

Cap1 finally want me

I just check cardmatch by cc.com,and cap 1 cc pop up everywhere. Both Venture, prestige, QS x2, platinum... But no thanks. They denied me back when i was just started my cc journey in 2013,while all others approved me, so im still holding a grudge against them

Message 1 of 7
6 REPLIES 6
Super Contributor

Re: Cap1 finally want me

Card match.com not really reliable. The best are when you get pre qualified on the actual card sites.
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Message 2 of 7
Moderator Emeritus

Re: Cap1 finally want me

At one time I had five Cap1 Personal and two Cap1 Business Cards with CLs of $10K+ and kicked all of them to the curb with a "closed at consumers request." Never again!
Starting Score: 300
Current Score: 850
Goal Score: 850


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Message 3 of 7
Established Contributor

Re: Cap1 finally want me


@ArmyVietVet wrote:
At one time I had five Cap1 Personal and two Cap1 Business Cards with CLs of $10K+ and kicked all of them to the curb with a "closed at consumers request." Never again!

You closed your accounts?why if you dont mind?

Message 4 of 7
Valued Contributor

Re: Cap1 finally want me

Nothing wrong with holding a CC Grudge! Smiley Mad  You do remember those that gave you a chance when you were in your struggles, so more power to you!  

CURRENT SCORES: TU: 641 21 Apps / EX: 644 28 Apps / AAoA: 4.4 Yrs. / Util. 28% / Goal: 700 by 7/2/15

Message 5 of 7
Moderator Emeritus

Re: Cap1 finally want me


@bigbang91 wrote:

@ArmyVietVet wrote:
At one time I had five Cap1 Personal and two Cap1 Business Cards with CLs of $10K+ and kicked all of them to the curb with a "closed at consumers request." Never again!

You closed your accounts?why if you dont mind?


They increased my 7.9% Aprs (had for years) to 23.9% 2009 during the financial crisis and gave me a lot of verbalized nonsense. My accounts were paid in full. They told me it was a business decision (so was my closing the accounts). Also, two of the accounts were business accounts and in 2009 they decided to report them to the personal credit bureaus and informed me it was a business decision (so was my closing the accounts). They all report as "satisfactory paid" and "closed by the consumer." At this time I have many great banks and high credit lines/limits so there is no need for more accounts. Cap1 offer some good card products today but, not so much when I closed my accounts in 2009. Actually, I have acquired several accounts that earn rewards in the 5% categories and I am utilizing them (likely wouldn't Cap1 anyway - even though they have good cards). They did give me a start but in 2009 they tended to not grow with a card holder (way better today). Times were different. No regrets Smiley Happy

Starting Score: 300
Current Score: 850
Goal Score: 850


Take the myFICO Fitness Challenge
Message 6 of 7
Established Member

Re: Cap1 finally want me


@bigbang91 wrote:

I just check cardmatch by cc.com,and cap 1 cc pop up everywhere. Both Venture, prestige, QS x2, platinum... But no thanks. They denied me back when i was just started my cc journey in 2013,while all others approved me, so im still holding a grudge against them


Cardmatch Cap1 prequals are garbage. Cardmatch showed I was prequal for Venture, VentureOne, QS, so to jump on the Venture bonanza I applied.

 

Instant denial.

Message 7 of 7
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