Cap 1 transfer balance feature removed?

[FinStar]

---

@AzCreditGuy wrote:

---

@Remedios wrote:

---

@AzCreditGuy wrote:

So on my bucket Cap 1 card, I have the ability to transfer balances with a 0% bt fee, of the course the APR was 21.29% but I still had a month to pay off the balance, which I always did. I just noticed this was removed my account? Has anyone else experienced this? Was it because I had recent dispute on the account?

---

You do know that Cap One has shut down accounts for doing BTs then paying it off immediately? 

I don't know if that's the reason or if you simply don't have offers, but I'd thread lightly if you've repeated this process one time too many.

How many is too many...that's something Cap One decides on. 

---

I dont know about you Im tired of the Cap 1 game to get a CLI:

Recent use of this account has been too high or its Recent use of this account has been too low....The latter was tested when requesting a CLI. I have done 5 BT with 0% BT fees to my B of A account and Cap 1 sent out checks, I would use the money and pay it back durning the grace period to avoid the 21.29% APR. When done within a span of 3 months and requesting a CLI on the 4th month, Cap 1 would approve me for CLI. And I am seeing that I am not the only that had this feature taking away. 

---

Sounds like if the BT feature is not there for your account, not much that can be done, right?  If Capital One hasn't been your BFF based on this recent post and the fact that CLIs haven't been forthcoming for your specific account/profile, maybe it's time to move on to another lender?  Not much you can do to force them to provide any BT offers if your account was somehow internally restricted or not displaying the option.

[Anonymous]

---

@AzCreditGuy wrote:

---

@Remedios wrote:

---

@AzCreditGuy wrote:

So on my bucket Cap 1 card, I have the ability to transfer balances with a 0% bt fee, of the course the APR was 21.29% but I still had a month to pay off the balance, which I always did. I just noticed this was removed my account? Has anyone else experienced this? Was it because I had recent dispute on the account?

---

You do know that Cap One has shut down accounts for doing BTs then paying it off immediately? 

I don't know if that's the reason or if you simply don't have offers, but I'd thread lightly if you've repeated this process one time too many.

How many is too many...that's something Cap One decides on. 

---

I dont know about you Im tired of the Cap 1 game to get a CLI:

Recent use of this account has been too high or its Recent use of this account has been too low....The latter was tested when requesting a CLI. I have done 5 BT with 0% BT fees to my B of A account and Cap 1 sent out checks, I would use the money and pay it back durning the grace period to avoid the 21.29% APR. When done within a span of 3 months and requesting a CLI on the 4th month, Cap 1 would approve me for CLI. If they are going to offer me a BT with no fees, I'll use to prove I can pay it back.  I am seeing that I am not the only that had this feature taking away, I haven't done a BT in 6 months.

---

You're lucky they just took away BT offers. Using these no fee offers has gotten a few people blacklisted. As in they shut down all their accounts and haven't let them back in. 

https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-adverse-action/td-p/4969859 (post 1 talks about the story but post 12 is where it comes out it was likely due to no fee BTs). 

https://ficoforums.myfico.com/t5/Credit-Cards/Can-I-BT-a-large-amount-for-7-10-days-Cap-One/m-p/5793...

[firefox100]

I have two Capital one credit cards, Quick Silver and the Wal mart mastercard. The message that I get when I check for balance transfer is no available at this time check back later this has been same message for the last year. On the hand couple of weeks ago I got in the mail checks from US bank on both of my cards Altitude go and the Cash + offer for 0% for 12 months and tranaction fee of 2.99%. What a differents between the two banks.

[AzCreditGuy]

---

@Anonymous wrote:

---

@AzCreditGuy wrote:

---

@Remedios wrote:

---

@AzCreditGuy wrote:

So on my bucket Cap 1 card, I have the ability to transfer balances with a 0% bt fee, of the course the APR was 21.29% but I still had a month to pay off the balance, which I always did. I just noticed this was removed my account? Has anyone else experienced this? Was it because I had recent dispute on the account?

---

You do know that Cap One has shut down accounts for doing BTs then paying it off immediately? 

I don't know if that's the reason or if you simply don't have offers, but I'd thread lightly if you've repeated this process one time too many.

How many is too many...that's something Cap One decides on. 

---

I dont know about you Im tired of the Cap 1 game to get a CLI:

Recent use of this account has been too high or its Recent use of this account has been too low....The latter was tested when requesting a CLI. I have done 5 BT with 0% BT fees to my B of A account and Cap 1 sent out checks, I would use the money and pay it back durning the grace period to avoid the 21.29% APR. When done within a span of 3 months and requesting a CLI on the 4th month, Cap 1 would approve me for CLI. If they are going to offer me a BT with no fees, I'll use to prove I can pay it back.  I am seeing that I am not the only that had this feature taking away, I haven't done a BT in 6 months.

---

You're lucky they just took away BT offers. Using these no fee offers has gotten a few people blacklisted. As in they shut down all their accounts and haven't let them back in. 

https://ficoforums.myfico.com/t5/Credit-Cards/Capital-One-adverse-action/td-p/4969859 (post 1 talks about the story but post 12 is where it comes out it was likely due to no fee BTs). 

https://ficoforums.myfico.com/t5/Credit-Cards/Can-I-BT-a-large-amount-for-7-10-days-Cap-One/m-p/5793138/highlight/true#M1677676

---

@SouthJamaica said best on his thread.....

[Shooting-For-800]

I lost mine 0% offers a year ago n all 3 cards.

All 3 cards have activity every year.

1 has a balance and 2 do not.

I used them in the past and paid them well.

Just tightening up I guess.