So a while back, I closed my Cap One with $500 CL and a $60 AF since it didnt want to grow and I got fed up with Cap one's attitude how it's a great card with no foreign transaction fee etc.
Just got a call from Cap One marketing I guess asking me if I would like to apply for a Venture card. Needless to say I declined since I don't want a HP on each credit bureau just to get probably a $1000 CL.
@Carlile92 wrote:
I hear you there I closed my cap one secured card and now only have the no hassle cash rewards with 500 cl which is super low and I have called multiple times to have them go up it no luck so now. This card sits in my iPad box with loose change and other useless cards. I can't wait for another year to go by and when I call capital one to give them one last chance to give me some love and if I don't see a cl of at least 2000 on the same call I will be having them close out my account fully and when they ask why my answer will be along the lines of I gave crap one a chance to show me love and they did not so why should I show them love and keep it please close my account nowwwwwww until an account manager gets on the line and say well the benefits of this card are blah blah I will say yes they are great to bad I don't have a decent cl to use them so close it I will keep my business with discover the ones who show me the real love
Kepp working on your credit. In no time you will be deep in primeville.
By the way, did you type this on your iPad?
@Carlile92 wrote:
Yes I did that I financed with my apple card from Barclay 12 months interest free hehehehehe already in prime ill just getting rid of all crap card
Reason why I said you typed from your iPad is that even though you leave a line, the ipad ignores it and it seems like you just typed one big sentence. Happens to me all the times. Not sure if it's a bug in Safari or that there is a compatibility issue with the Lithium of myfico.
@ArisGreek wrote:I had a Crapital One card for about 5 years I think with a $500 CL. It never increased and I don't think I ever realized it was a credit steps one. I don't know anyone that really has high CL on Capital One. Besides, their customer service stinks. It was always a chore to get any form of an answer and they usually always read from a script. I finally canceled them in March of this year I think....or was it last year? I can't remember. :-D
I still have one card left with Cap One. This one has a $1100 CL with a $39 AF. I was told by the supervisor that that was the ceiling for this card and it will not go past $1100.
I can manage the $39. The good thing is that even if you close the card in good standing, it will report for up to 10 years. Your AAoA will not take a hit. But you lose the CL. I concluded that losing $500 in my CL was very acceptable.
@Anonymous wrote:
@CS800 wrote:So a while back, I closed my Cap One with $500 CL and a $60 AF since it didnt want to grow and I got fed up with Cap one's attitude how it's a great card with no foreign transaction fee etc.
Just got a call from Cap One marketing I guess asking me if I would like to apply for a Venture card. Needless to say I declined since I don't want a HP on each credit bureau just to get probably a $1000 CL.
That's funny, Cap1 calling and asking hey are you willing to take 3 HP's for a possible 1K CL.
You never know, they may actually give you a decent CL with the Venture if you were to be approved, but in my book, not worth 3 HP's for one CC unless the CL was 25K+, then maybe.
Ok the crazy part is that the card with the $39 has a ceiling of $3000 which they didn't even give me. They stuck me at $500. Now they offer me to apply for a venture. I mean how insane is that?
They could have offered me a PC to the Venture or even waive the AF? I mean so many things that they could have done to retain a customer. Instead, I closed the account because they had noting for me. I wonder sometimes who runs the department in those companies.