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I want to PC to the BCE, such a great no AF card...would much rather have cash back than points...
I cant wait to start using mine too. I'm going to push all my purchases through it and pretty much use my other cards occasionally to keep them active. But I will use my Chase Freedom whenever the 5% rolls around for restaurants and gas since it would be better than the BCE.
@patsfan1453 wrote:I want to PC to the BCE, such a great no AF card...would much rather have cash back than points...
I see a lot of talk about BCE. Why is this better than say PenFed Platinum Rewards? This card (which does have points, but 1:1 with cash for visa prepaid cards), gives offers 5% for gas and 3% for groceries (and 1% everything else) with no annual fee and no caps. So, seems better in every way except for heavy department store shoppers (as BCE gives 2% there and PenFed 1).
Not to knock BC, I've been a happy BCP user this year, getting $800 back so far since Feb (lots of grocery store purchases) but with the cap that is also looking less attractive.
@RavenNation wrote:
SnackTrader: I'm fairly new to credit in general...I got a auto loan in my name in 2010. I got a capital one for $500, chase freedom at $3000, Kay Jewelers for $4800, and a credit union for $500. I got 3 of them last year and the chase freedom this year. I had a Amex green card in April and then canceled it in August because I didn't want it anymore. I don't have no bad credit, a couple thousand in student loans (still in college) and in August I had a score of 702 from my credit union but I don't know from what bureau and only a 699 from equifax last month. And income is around $35k.
Webhopper: I think I just got lucky actually because my scores aren't great just average. I've carried a balance on two of my cards but they were in the introductory period so I never paid interest.
Have you tried the exec rout for PC or CLI on your cap1?
p-: No, all I did was do the automated thing when you but that was denied (which I figured was going to happen). They said that I'm not eligible for customer-initiated limit increases. You think I should call the backdoor number to try to do it? They gave me a $200 increase after like 5 or 6 months but that was it.
@RavenNation wrote:p-: No, all I did was do the automated thing when you but that was denied (which I figured was going to happen). They said that I'm not eligible for customer-initiated limit increases. You think I should call the backdoor number to try to do it? They gave me a $200 increase after like 5 or 6 months but that was it.
They say that alot. Check out this thread: http://ficoforums.myfico.com/t5/Credit-Cards/How-to-get-a-PC-or-CLI-from-Capital-One/td-p/1690104