Capital One is funny!

[Klineact]

I had a crap one card I opened when I was rebuilding which started close to 7 years ago.  The card started with a $500 platinum and eventually they gave me another $500 quicksilver which I combined with the original platinum so I have had a $1000 CL since 2016.  Techinically since I had to close another card and move the credit line over they never gave me a real CLI on this card and I have tried over the years dozens of times.  Denied every time... Tried heavy use and PIF tried revolving balance you name it.  never late on that or any card in the past 7 years.  I have 1 card with a less than 2K balance out of $126K in available credit my scores are all in the 700's these days. I determined the platinum card was bucketed. Last year they said I was preapproved for a walmart card and gave me another $300 CL card LOL I closed it last week. I told them look I have been a customer for several years now I have good credit and never got a CLI i will give cap one 30 days or I am closing the card. I dont need it I have several f figure limit cards.

Last night Crap One sends me an email congratulating me and telling me based on my great history with them I am eligible for a reward card upgrade with no application, no impact to my score, and I will keep same account number and history. I thought ok maybe they are finally doing the right thing by me.  I had a choice of savor one or quicksilver I went with savor one and I even got to keep the same $1000 CL ! LOL I then did the upgrade which showed immediately on my app and I figured ok let me try now once more for a CLI ...much to my disbelief after 7 years it said congratulations!! I was in shock until I saw the CLI was $100 LOL Is that funny or what?  Should I just close this card now or wait to try for another CLI later down the road?  While I found it funny it is also pathetic in a way too.  I feel like despite this small move to keep me as a customer, this new Savor card wont probably ever increase either. Thoughts on what to do with this card bc I was about to close it by the end of this month.

[GZG]

if you order any ubereats at all, savor one is 10% off until like Nov 2024

Capital One and Uber are teaming up, again. Starting today, Savor and SavorOne cardholders can automatically earn an unlimited 10% cashback on Uber and Uber Eats when they use their card. Plus, they can enjoy a complimentary Uber One membership, valued up to a total of $239, until November 14, 2024, which unlocks up to 5% off eligible rides with Uber and up to 10% off Uber Eats orders in addition to $0 Delivery Fee on qualifying restaurants, groceries and more.

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it's worth keeping just for that imo 

[FireMedic1]

It wasnt a C*** ( I did the bleep) card when you were approved when you started to rebuild. Excited then. Probably all you could have gotten back then. Once a bucket. Always a bucket. It is what it is. Not happy. Close it. If you like @GZG idea. Keep it. Dont forget your roots where you started from.

[Creditwiser]

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@Klineact wrote:

I had a crap one card I opened when I was rebuilding which started close to 7 years ago.  The card started with a $500 platinum and eventually they gave me another $500 quicksilver which I combined with the original platinum so I have had a $1000 CL since 2016.  Techinically since I had to close another card and move the credit line over they never gave me a real CLI on this card and I have tried over the years dozens of times.  Denied every time... Tried heavy use and PIF tried revolving balance you name it.  never late on that or any card in the past 7 years.  I have 1 card with a less than 2K balance out of $126K in available credit my scores are all in the 700's these days. I determined the platinum card was bucketed. Last year they said I was preapproved for a walmart card and gave me another $300 CL card LOL I closed it last week. I told them look I have been a customer for several years now I have good credit and never got a CLI i will give cap one 30 days or I am closing the card. I dont need it I have several f figure limit cards.

Last night Crap One sends me an email congratulating me and telling me based on my great history with them I am eligible for a reward card upgrade with no application, no impact to my score, and I will keep same account number and history. I thought ok maybe they are finally doing the right thing by me.  I had a choice of savor one or quicksilver I went with savor one and I even got to keep the same $1000 CL ! LOL I then did the upgrade which showed immediately on my app and I figured ok let me try now once more for a CLI ...much to my disbelief after 7 years it said congratulations!! I was in shock until I saw the CLI was $100 LOL Is that funny or what?  Should I just close this card now or wait to try for another CLI later down the road?  While I found it funny it is also pathetic in a way too.  I feel like despite this small move to keep me as a customer, this new Savor card wont probably ever increase either. Thoughts on what to do with this card bc I was about to close it by the end of this month.

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@FireMedic1 reply above makes a very good point.  And, it obviusly is what it is with the bucket.  From where I sit, it seems to depend on what other cards you have laying around. A 7 or so year rebuild should have you in a place by now to have app'd for decent cards.  What even has you entertaining the idea with Cap 1 ? Keeping the bottom feeders for Uber would not be my choice but it depends on where your priorities are. We're all pretty unique in that way.

[Klineact]

Why the hostility ?  Geez ... It actually was a crap card back then and it is still a crap card.  yes they gave me a card which was nice as did others at the time but I am the one who has demonstrated nothing but responsible behavioe for the past decade so forgive me but I will take some if not most of the credit.  I have several as I said 5 figure limits on many cards and a few months ago Cap one despite high scores they still gave me a $300 walmart card.  They suck. period.

[Klineact]

I am only thinking of keeping it mainly bc it is something I can let my son use and he cant abuse it. I am out of town a lot and I like to make sure he has a card in case he needs it for food gas etc. if he should ever run out of cash. That is the only reason I am even entertaining the thought of keeping one low limit... the rest are either now closed or will be closed this weekend.  

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@Creditwiser wrote:

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@Klineact wrote:

I had a crap one card I opened when I was rebuilding which started close to 7 years ago.  The card started with a $500 platinum and eventually they gave me another $500 quicksilver which I combined with the original platinum so I have had a $1000 CL since 2016.  Techinically since I had to close another card and move the credit line over they never gave me a real CLI on this card and I have tried over the years dozens of times.  Denied every time... Tried heavy use and PIF tried revolving balance you name it.  never late on that or any card in the past 7 years.  I have 1 card with a less than 2K balance out of $126K in available credit my scores are all in the 700's these days. I determined the platinum card was bucketed. Last year they said I was preapproved for a walmart card and gave me another $300 CL card LOL I closed it last week. I told them look I have been a customer for several years now I have good credit and never got a CLI i will give cap one 30 days or I am closing the card. I dont need it I have several f figure limit cards.

Last night Crap One sends me an email congratulating me and telling me based on my great history with them I am eligible for a reward card upgrade with no application, no impact to my score, and I will keep same account number and history. I thought ok maybe they are finally doing the right thing by me.  I had a choice of savor one or quicksilver I went with savor one and I even got to keep the same $1000 CL ! LOL I then did the upgrade which showed immediately on my app and I figured ok let me try now once more for a CLI ...much to my disbelief after 7 years it said congratulations!! I was in shock until I saw the CLI was $100 LOL Is that funny or what?  Should I just close this card now or wait to try for another CLI later down the road?  While I found it funny it is also pathetic in a way too.  I feel like despite this small move to keep me as a customer, this new Savor card wont probably ever increase either. Thoughts on what to do with this card bc I was about to close it by the end of this month.

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@FireMedic1 reply above makes a very good point.  And, it obviusly is what it is with the bucket.  From where I sit, it seems to depend on what other cards you have laying around. A 7 or so year rebuild should have you in a place by now to have app'd for decent cards.  What even has you entertaining the idea with Cap 1 ? Keeping the bottom feeders for Uber would not be my choice but it depends on where your priorities are. We're all pretty unique in that way.

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[FireMedic1]

Theres no hostility. Im one who appriciates the ones who gave me a card out of BK with crummy scores. I am a loyal type. See RIP below. I had 2 bucket cards. They went bye bye after back in 2017-18 I was approved for the 3 Cap1's below at $10,000. The good ole days. I had to take what i could get back then. It just irks me that posters (Any Poster. Not picking on you) wouldnt have gotten started with any lender. Fresh or a rebuild and then want to trash the creditor for the card they kept. Where would you be without them? The old saying. How soon they forget. Like I said. If you dont like it as with any other unhappy poster. Close it. Lifes to short over a credit card. Thats all I meant.

[fury1995]

Congrats on your credit limit increase.

Capital One is usually the one getting cr*pped on and then forgives and forgets. Be glad you have gotten to a place where you can complain about what is really considered a core issuer while many others are struggling to get to where you were yesterday.

Best of luck with your credit progress!

[Shooting-For-800]

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@Klineact wrote:

Why the hostility ?  Geez ... It actually was a crap card back then and it is still a crap card.  yes they gave me a card which was nice as did others at the time but I am the one who has demonstrated nothing but responsible behavioe for the past decade so forgive me but I will take some if not most of the credit.  I have several as I said 5 figure limits on many cards and a few months ago Cap one despite high scores they still gave me a $300 walmart card.  They suck. period.

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No, they suck for you.  They don't suck for everyone.  They have treated me very well over years.

[SUPERSQUID]

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@Klineact wrote:

I had a crap one card I opened when I was rebuilding which started close to 7 years ago.  The card started with a $500 platinum and eventually they gave me another $500 quicksilver which I combined with the original platinum so I have had a $1000 CL since 2016.  Techinically since I had to close another card and move the credit line over they never gave me a real CLI on this card and I have tried over the years dozens of times.  Denied every time... Tried heavy use and PIF tried revolving balance you name it.  never late on that or any card in the past 7 years.  I have 1 card with a less than 2K balance out of $126K in available credit my scores are all in the 700's these days. I determined the platinum card was bucketed. Last year they said I was preapproved for a walmart card and gave me another $300 CL card LOL I closed it last week. I told them look I have been a customer for several years now I have good credit and never got a CLI i will give cap one 30 days or I am closing the card. I dont need it I have several f figure limit cards.

Last night Crap One sends me an email congratulating me and telling me based on my great history with them I am eligible for a reward card upgrade with no application, no impact to my score, and I will keep same account number and history. I thought ok maybe they are finally doing the right thing by me.  I had a choice of savor one or quicksilver I went with savor one and I even got to keep the same $1000 CL ! LOL I then did the upgrade which showed immediately on my app and I figured ok let me try now once more for a CLI ...much to my disbelief after 7 years it said congratulations!! I was in shock until I saw the CLI was $100 LOL Is that funny or what?  Should I just close this card now or wait to try for another CLI later down the road?  While I found it funny it is also pathetic in a way too.  I feel like despite this small move to keep me as a customer, this new Savor card wont probably ever increase either. Thoughts on what to do with this card bc I was about to close it by the end of this month.

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Heres another one to make you scratch your head. I received an automatic cli on my savor one of 100, then a few months later I get an email that congratulations your QS limit has received a cli from 2k - 5k, a 3k cli. nothing in my reports changed between those 2 cli's.

then when my savor one was due for another cli i get denied.