Capital One Promotion

[Cory]

Ah, go ahead Jizoe182, and take the three hits. You'll get over it once you get that nice fat! Credit Limit.

Cory

[Anonymous]

I opened my cap1 card in Feb this year and called yesterday for a cli they gave me one from $1000.00 to $1500.00 so i can't complain about that.

[Anonymous]

I wonder if they would let me (if i get approved) combine the new card with the old one. I'll think about this one later tonight... It's not like I need it, but... it's so SMALL!! My other cards are like 5000+ all the way to 20,000 and this one is a measly.... 500. It just doesn't match. And the sad part is, CapOne is the very first credit card I applied for. *sigh*

[KingAdrock]

I'm annoyed because my Cap One is my oldest card, and I has the worst CL and APR. I told the CSR that when she asked why I haven't used it much. But instead of saying "Well gee, let's offer you a CLI and APR reduction so we can make money off you again" the conversation turned completely to the issue of how I'd gotten this "letter" which she didn't want to admit I wasn't supposed to get. (which admittedly I never received in the first place)

I got this card when I had no credit history, as in "there's nothing to even compute a score". Now years later I have a great score and a perfect payment history and get no love at all.

Sockdrawer for you, jerks.

[Niki9]

---

Niki9 wrote:

I tried.

The girl was very nice ... she asked if I got a letter (I lied) ..... she searched and searched and searched and then said that the letter must have been sent to me in error (it happens sometimes)

she did not see any upgrades available for me. 

She then review my account - because I asked what I could do better and she told me that I have used my account well.

She said to go online apply for a cap one card that I want.  She said when I get the card in the mail and I call to activate, that I should ask to combine the cards.

She said that this will give me all of my cap 1 history AND both credit limits.

She said she combines accounts all of the time.

Of couse, I knew about if from this website but to have the credit card company tell me to do it - that was a first for me.

---

Well,  I applied the other day for another Cap1 card (I think I need to go to the concorduser center).

I was approved for 0% intro rate and 6.4 apr after. and $3000 limit.

I called Cap1 today before I activated the card and told the girl Joanna that I wanted to combine the 2 cards.  She asked why and I explained to her about the letter I got (i did not get the letter) and that when the girl could not find any offers for me she told me to apply for another card and asked to have it combined.

Turns out that the girl Joanna was the SAME girl that I talked when I called about the promo letter (strange).  She told me that they have 3 call centers and she has never gotten the same person twice (that she knows of).

Anyhow during the converstaion about combining cards and if she thought that it would really go thru.

She let it slip that Cap 1 does not grant limits higher that 30k (I know some of you were wondering.

She also said that they can't combine different cards like points and miles.

Both of the cards that I have are regular platinum so there should be not issues.

We will see in 7-10 days.

[Anonymous]

Ok, so I made a small boo boo but thought I'd give it a try anyway.  On my third month of having the 300.00 rebuilder card with credit steps I was between the second and third payment of the month of $250-290.  Only I forgot that I had a $10.95 tivo payment come in on the account and it put me exactly $0.05 cents over my limit and caused a nice $19 ol fee and my credit steps to be pushed back another 4 months.  My bad.

What would it hurt to call anyway.

So I call and Daniel was very nice gave me a CLI of $300 doubling my limit to $600.  Asked me what I use my card for, shmoozed about what features my card has, car rental , rewards points etc.  He didn't give me a hard time about not having a letter, just thanked me for reading the promotion and calling in.....I think they're done challenging people calling in and no notes on the account stating the letter was sent....way to go MiFiconians!

I found out that I get quintuple points for gas gorceries and drug stores...is that common to get 5x points?  I've already earned enough points for a $50 gift card and it's only been 4 months with them.

Finally I asked if this would stop credit steps....he says yes I won't get a credit steps increase....I'll call in 4 more months and ask for another increase anyway since I kept my nose clean since then.  And with a $600 limit I won't have to worry about the overlimit issue anymore.

[Anonymous]

Congrats MinnesotaJ! Nice move!