@Anonymous wrote:
I applied for the capital one cash rewards card because I wanted to transfer a $3k balance from a higher apr card. After sending in verification of SS# and address, I've had them tell me I'm approved. First person said they didn't know my credit limit but it would be between 3 and 7k, called back to ask about 100$ bonus and the rep said credit limit between 3k and $4,999. I called today and they told me the line is 3k. Not too helpful in the balance transfer department. Apparently I am getting the platinum MasterCard version instead of world? They still don't have the interest rate for me either. Obviously I'm not going to transfer 3k onto 3k card. I'm a little upset about the line of credit being lower than I expected/hoped for. Would it hurt to just close the account before using it and save the hassle of another (new) account that will bring down my AAoA? They also inquired on all three credit bureaus. Customer service seems totally out there? Any feedback?
Worlds begin at 5K. This will lower your AAoA due to it being a new account. Not sure how much as more details are needed. Customer service, at least for me, has been the worst of any company from any card I have had.
I had an unknown charge of 200 appear and a credit appear the next day. I called and got no help about this mysterious charge. It cleared with the credit so I didnt owe anything. Then the next day it repeated. They kept charging 200 and crediting it back. Online chats just left me more confused than before I began the chat. If you never need to call them then you should be fine.
