Cap One No Hassle Cash Rewards Card

[LS2982]

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@Anonymous wrote:

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@CreditCrusader wrote:

Whoa...scrap that...will be YMMV, as usual...

I just messaged a friend about this...he tells me Cap One actually sent him a mail offer for that card (He has the same platinum card and a similar credit profile to mine)...and when he applied, they shot him down and suggested he apply for their SECURED card!

SO happy I didn't waste a hard pull on these jacka**es in vain...just goes to show you, they are good for a singular purpose - credit rebuilding. Look elsewhere for rewards and other goodies associated with improving credit.

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I thought the Capital One No Hassle Rewards Card and Cap One Cash Credit Card (Green Card) were for those with average credit and in the rebuilding phase?

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The Green Cash Back Card is for excellent credit.

[Anonymous]

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@LS2982 wrote:

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@Anonymous wrote:

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@CreditCrusader wrote:

Whoa...scrap that...will be YMMV, as usual...

I just messaged a friend about this...he tells me Cap One actually sent him a mail offer for that card (He has the same platinum card and a similar credit profile to mine)...and when he applied, they shot him down and suggested he apply for their SECURED card!

SO happy I didn't waste a hard pull on these jacka**es in vain...just goes to show you, they are good for a singular purpose - credit rebuilding. Look elsewhere for rewards and other goodies associated with improving credit.

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I thought the Capital One No Hassle Rewards Card and Cap One Cash Credit Card (Green Card) were for those with average credit and in the rebuilding phase?

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The Green Cash Back Card is for excellent credit.

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There is also a Green Cash Rewards Card for average credit on Capital One website.

[TeeandDee]

My Cap One Secured card has been reporting to all 3 Credit Bureaus for a year now.  That's never been a problem.  I was approved for the Cap One No Hassle Cash Rewards Card in Jan. It has not reported yet, but I called and Customer Service and was told it will start reporting after my first billing cycle ends which is Friday. 

I have a question..I keep hearing about this "CREDIT STEPS" Program.  What is that and I how do I find out if my card is in that program?  Is that a good or bad thing?  If I am not in the program will I be stuck at the same credit limit forever?! ($500).  I've checked my "Documents" section of on the website and see nothing about this program.

[atarvuzdar]

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@TeeandDee wrote:

My Cap One Secured card has been reporting to all 3 Credit Bureaus for a year now.  That's never been a problem.  I was approved for the Cap One No Hassle Cash Rewards Card in Jan. It has not reported yet, but I called and Customer Service and was told it will start reporting after my first billing cycle ends which is Friday. 

I have a question..I keep hearing about this "CREDIT STEPS" Program.  What is that and I how do I find out if my card is in that program?  Is that a good or bad thing?  If I am not in the program will I be stuck at the same credit limit forever?! ($500).  I've checked my "Documents" section of on the website and see nothing about this program.

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I applied and was approved for the No Hassle Cash Rewards card on 12/17/11 and got the Credit Steps document dated 12/25/11, according to the Documents online. Hope this helps.

[beb86]

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@TeeandDee wrote:

My Cap One Secured card has been reporting to all 3 Credit Bureaus for a year now.  That's never been a problem.  I was approved for the Cap One No Hassle Cash Rewards Card in Jan. It has not reported yet, but I called and Customer Service and was told it will start reporting after my first billing cycle ends which is Friday. 

I have a question..I keep hearing about this "CREDIT STEPS" Program.  What is that and I how do I find out if my card is in that program?  Is that a good or bad thing?  If I am not in the program will I be stuck at the same credit limit forever?! ($500).  I've checked my "Documents" section of on the website and see nothing about this program.

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it should be called the "credit step" program since people rarely go past the first step from $500 to $750