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Ouch! A useful reminder that there's the info on our reports, and then there's the info on the bank's internal records.
@haulingthescoreup wrote:Ouch! A useful reminder that there's the info on our reports, and then there's the info on the bank's internal records.
Indeed!
Ms. Nae
@learnin113 wrote:Seriously, with scores in the 700s, you could go for Citi or Chase. No need for Crap One.
Cap 1 does have good cards if your have good/excellent credit.
@john398 wrote:
@learnin113 wrote:Why do people continue to give Crap One the time of day...I will never understand!
Its basicly one of the better rebuilder cards IMHO
+1. All of their cards have no foreign transaction fees. That is a pretty solid benefit. And very little representation here for their prime cards. I sincerely doubt they handle CLI requests and such the same for the prime cards.
@haulingthescoreup wrote:
@Anonymous wrote:Thanks for your frank advice. I tried to move on..in fact I was approved for better cards. It just bothers me that I am unable to move them and that I have a good account with them already. When I say “right a wrong”..I mean my own for even applying. So, I am trying to correct my own error.
That's a very common (and understandable) attitude. People tend to take things personally, when it's often just a computer that does the thumbs down. I also read lots of "I'm closing my card; that'll show them!" posts, and I doubt seriously that anyone at a major bank will even notice, much less wring their hands in despair, when someone closes a card.
It's a shame that you invested so much time on the call just to get shot down.
Cap One is an odd company, in that many of their cards are rebuilders, and 99% of the time just flat will never grow with you (= give CLI's, etc.), and then a few of their cards are great.
They keep sending me stuff for their Cash Rewards card, with the effectively 1.5% cash back thing, but I refuse to let myself in for 3 hards. That's just ridiculous. (Personal decision, though, it makes perfect sense for others.)
May not be worth the risk to you, but I've read elsewhere that they don't necessarily pull alll 3 for prime cards, sometimes 1, sometimes 2. I wouldn't think the 3 pull would matter to you that much though. You don't apply for things that often do you?
@Walt_K wrote:
@haulingthescoreup wrote:...They keep sending me stuff for their Cash Rewards card, with the effectively 1.5% cash back thing, but I refuse to let myself in for 3 hards. That's just ridiculous. (Personal decision, though, it makes perfect sense for others.)
May not be worth the risk to you, but I've read elsewhere that they don't necessarily pull alll 3 for prime cards, sometimes 1, sometimes 2. I wouldn't think the 3 pull would matter to you that much though. You don't apply for things that often do you?
Well, ahem, err, not normally.
I picked up a Navy card in April and a Chase SW Airlines Visa in August, and they went on EQ. Then on a whim, I asked for a CLI on my Home Depot, and they harded my EQ report.
There's still an inq <12 months on EX for AmEx True Earnings.
Nothing on TU, aka the who-cares report, at least for anything I might be interested in.
Score drops on both reports for the inqs (I have my EX FICO through PSECU).
So I'm letting things heal.
@haulingthescoreup wrote:
@Walt_K wrote:
@haulingthescoreup wrote:...They keep sending me stuff for their Cash Rewards card, with the effectively 1.5% cash back thing, but I refuse to let myself in for 3 hards. That's just ridiculous. (Personal decision, though, it makes perfect sense for others.)
May not be worth the risk to you, but I've read elsewhere that they don't necessarily pull alll 3 for prime cards, sometimes 1, sometimes 2. I wouldn't think the 3 pull would matter to you that much though. You don't apply for things that often do you?
Well, ahem, err, not normally.
I picked up a Navy card in April and a Chase SW Airlines Visa in August, and they went on EQ. Then on a whim, I asked for a CLI on my Home Depot, and they harded my EQ report.
There's still an inq <12 months on EX for AmEx True Earnings.
Nothing on TU, aka the who-cares report, at least for anything I might be interested in.
Score drops on both reports for the inqs (I have my EX FICO through PSECU).
So I'm letting things heal.
If you're wounded, the rest of us are crippled.