Cap One

[Hopelives2]

I think I love you.

Thank you for my CLI despite me going over the limit, twice.

Thank you for taking my payments and processing them repeatedly throughout each momth and giving me the available credit the next day vs. processing my payments AND keepng my credit on short leash.

Thank you for giving me a 2nd chance after including three of your cards in my Ch 7 bk.

I think, I love you!

(to those wondering: I push through about $1200 in charges and payments each month which is why I believe my over the limit oops were over looked in the CLI)

[Anonymous]

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@Hopelives2 wrote:

I think I love you.

Thank you for my CLI despite me going over the limit, twice.

Thank you for taking my payments and processing them repeatedly throughout each momth and giving me the available credit the next day vs. processing my payments AND keepng my credit on short leash.

Thank you for giving me a 2nd chance after including three of your cards in my Ch 7 bk.

I think, I love you!

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+1!

Personally, I think that they're one of the better rebuilder cards, for all of the reasons that you just stated. And I'll add one more... they offer a cash back rewards card for folks like us who are in the process of rebuilding. In the short time that I've had the card, I've earned far more than the AF; I love that I've come out ahead!

Even after I move on to higher limit cards, I plan on keeping my Cap1 Visa and MC. They've earned a certain amount of loyalty from me.

[Hopelives2]

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@Anonymous wrote:

 They've earned a certain amount of loyalty from me.

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+1

When no one else would sell me a candy cane on the street corner for $.25 credit, Cap 1 gave me a card. 

[Anonymous]

I have no complaints so far. I've racked up $5 in rewards in the first week, not including the bonus %'s. If they give me a CLI within a year I'll stick with them for awhile. They gave me 0% till Feb and 17.9% after that. I won't be carrying a balance anyway. Not bad in my book for being less than a year out of BK and including them in my BK.

[Hopelives2]

I don't have their rewards card, just the regular plat.

Given I now have 5 hard inqs on my credit since Jan, I'll sit tight until Feb of next year before applying to anything else.

New car loan, two cards, one ready cash (overdraft protection).  I'm good for a bit.

[john398]

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@Hopelives2 wrote:

I don't have their rewards card, just the regular plat.

Given I now have 5 hard inqs on my credit since Jan, I'll sit tight until Feb of next year before applying to anything else.

New car loan, two cards, one ready cash (overdraft protection).  I'm good for a bit.

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You code try the pre qualify for capital one and they wont charge you with all 3 hard of course if you applied

[Hopelives2]

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@john398 wrote:

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@Hopelives2 wrote:

I don't have their rewards card, just the regular plat.

Given I now have 5 hard inqs on my credit since Jan, I'll sit tight until Feb of next year before applying to anything else.

New car loan, two cards, one ready cash (overdraft protection).  I'm good for a bit.

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You code try the pre qualify for capital one and they wont charge you with all 3 hard of course if you applied

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I'm thinking my freeze will stop me from being able to get anything.  When hooking up a utility service online, the customer service rep said I needed to have the freeze released so they could set up service over the phone vs. me going into a local office.

I think that is probably also why I  got declined for a CLI from OB when everyone else is getting one for it is surely not my payment history with them (PIF everyy month if not twice a month).

It won't kill me to wait another 6 months or so to get another card.

[john398]

Oh ok, Im curious did you go over your limit because you charged too much or did you go over you limit due to intreast or an annual fee?

[Hopelives2]

I went over my limit by charge $10 too much and that was before I knew about opt-in/out.

I PIF every month, and actually push through about $1200 in transactions a month with them so I never have any interest charged.

[Hopelives2]

I just tried the pre-qualify link that does a soft pull... and believe my freeze is affecting everything... which is good