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TU08 760, TU98 709, EQ 693, EX 685
I saw your scores above.
Where did you get them? Myfico only gives TU98, Right?
or maybe, Creditkeeper?
Thanks.
u know im not a big fan of cap1
@athar wrote:TU08 760, TU98 709, EQ 693, EX 685
I saw your scores above.
Where did you get them? Myfico only gives TU98, Right?
or maybe, Creditkeeper?
Thanks.
those r my scores, the 760 from walmart tu08, other tu and eq from myfico, and ex fico from amex
I'm not a big fan either, but the newcomers is by far the best starter card out there. I'm just using it until I can get better cards. Now Capital One would likely be able to keep my business if they would give me a cli up to 3,000.00 in six months and start to offer their venture cards to me. Not likely to happen though haha so it's getting sock drawered as soon as I can
@espnjunkie wrote:I just receive my first credit step cli from 500.00 to 750.00 this morning! Am moving in the right direction haha. I used the online chat with a specialist feature and asked if my account was eligible for any future increases. The CSR explained that if I pay on time and in full for the next 5 statements I will receive an increase to $1,000.00. I then asked if any more increases were available and he said that there is no limit to the increases as long as your card is open and in good standing. So apparently I can expect regular increases by doing that.
Who knows if it is actually true, but from what I have heard if you treat Capital One right they will give you what you deserve back.
No love here for cap1 I guess... but they have been ok to me. They started me at 3k (matched highest cl at the time) and promised +500 every six months in thier credit steps, and came through on the first one. We'll see how they do going forward but I definitley haven't had any complaints.
espn; you're getting a bit ahead of yourself. Your next goal (I think) is Zync (AMEX at least), then maybe Citi or something similar. You can't really plan as far ahead as you seem to be trying to and expect the market, the offers and your goals to remain the same over that period of time. That could end up being an app trap (too many too soon) and you don't want to be tempted into that.
Once you have AMEX, then another Prime, you're going to see Cap 1 as a stepping stone, not a card good enough (any of them) to take a HP on all 3 CBs for. You'll probably move past anything Cap 1 after the next 2 cards. Then you'll have to re-eval the offers and your file and do more research. Just a heads up (the app monkey sneaks up on ya).
You just got in the high power v12 at the track and I can hear you rev-ing the engine anxious to see what it can do. Start slow, it's a big powerful machine and can be surprisingly quick to challenge your skill, with 1 minor slip of the wheel, clutch, brake or any combo of same it can wipe you out. Idle down the track and get to know it and how it handles before you even think of shifting to 2nd gear.
@RyVision wrote:espn; you're getting a bit ahead of yourself. Your next goal (I think) is Zync (AMEX at least), then maybe Citi or something similar. You can't really plan as far ahead as you seem to be trying to and expect the market, the offers and your goals to remain the same over that period of time. That could end up being an app trap (too many too soon) and you don't want to be tempted into that.
Once you have AMEX, then another Prime, you're going to see Cap 1 as a stepping stone, not a card good enough (any of them) to take a HP on all 3 CBs for. You'll probably move past anything Cap 1 after the next 2 cards. Then you'll have to re-eval the offers and your file and do more research. Just a heads up (the app monkey sneaks up on ya).
You just got in the high power v12 at the track and I can hear you rev-ing the engine anxious to see what it can do. Start slow, it's a big powerful machine and can be surprisingly quick to challenge your skill, with 1 minor slip of the wheel, clutch, brake or any combo of same it can wipe you out. Idle down the track and get to know it and how it handles before you even think of shifting to 2nd gear.
well said
@espnjunkie wrote:I just receive my first credit step cli from 500.00 to 750.00 this morning! Am moving in the right direction haha. I used the online chat with a specialist feature and asked if my account was eligible for any future increases. The CSR explained that if I pay on time and in full for the next 5 statements I will receive an increase to $1,000.00. I then asked if any more increases were available and he said that there is no limit to the increases as long as your card is open and in good standing. So apparently I can expect regular increases by doing that.
Who knows if it is actually true, but from what I have heard if you treat Capital One right they will give you what you deserve back.
I wouldn't hold your breath. Try calling and talking with someone else, and I'll bet that you get a different answer. Every time I call, they give me a different answer to the same question. I was told what you were, too. That was one of many versions that I've been told. The last one was that the CLI I got from 500 to 750 is the one and only one the card will ever get, no matter how long I have it. I've kept track of dates and representative ID #s, and it doesn't matter. The next rep or supervisor will still contradict what I've been told previously. And the next one will tell me yet something else. Take what they say with a humungous slab of salt!
I have my one cap one card still open, started at $500, went to $750, been there for the last 7 months.
About to have a smoke and dinner, then calling them to close the account.
Hahahaha! Only reason I will keep Cap One open long term is the no foreign transaction fees. Makes their cards great for traveling. Aside from that not of much use beyond starting out. They did give me my first unsecured card though...