Everytime I read the words "crapitol one..."

[HenryJumbo]

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@ChesterPDexter wrote:

LOL, since you're on a soapbox, I'll step on mine, briefly.  I'm not sure what people want out of customer service.  I hear so much about bad customer service, yet with my assortment of great cards, mediocre ones,and crappy ones, too, I've never noticed bad service with any of them.  It almost seems as if the worst cards have the best service.  I sometimes wonder if people have unrealistic standards, or if they are not pleasant when dealing with CSRs (which might bring out the worst in anyone.)

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Perhaps you're just easy to please

[AF_23]

I wonder how long someone can go without recieving a CLI with them.

[FrugalRican]

I've gone almost 5 years with BoA... so I'm sure Capital One could easily do to "infinity and beyond".

[Anonymous]

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@AF_23 wrote:

I wonder how long someone can go without recieving a CLI with them.

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I went 5 years to go from $300 to $500.  Then another 6 years to go from $500 to $5,500.

[LS2982]

I think Cap1 has earned their negative press. They can't go around claiming to be prime and give lackluster products with no potential to grow. Rebuilding or excellent credit, they should take your current credit profile into consideration instead of limiting you based on what they want their business model to be.

[Eschaton]

I have no bad blood with Capital One, it does suck that they do three pulls but if it's your first card and you're using it to lead to others, by the time you apply to others it won't really matter. I stuck with them for one year before finding out about this board, and to be honest, if I didn't find this board I would see them being the same as Chase, American Express or any other creditor. 

I got the Chase Freedom now and Zync because of them and I just pretty much left Capital One to dry unless I can PC it to a better card.. but I don't forsee it happening, nor my credit limit going higher than $750 and I'm fine with that. Their loss!

[journey258]

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@LS2982 wrote:
I think Cap1 has earned their negative press. They can't go around claiming to be prime and give lackluster products with no potential to grow. Rebuilding or excellent credit, they should take your current credit profile into consideration instead of limiting you based on what they want their business model to be.

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The fact of the matter is, they do offer a prime product. And they will take your credit profile into consideration...with a new app and additional pulls lol. I'm just saying, they are the ones taking the risk; a risk on people who have already demonstrated a less than stellar history. So if they're busy model requires some hard pulls and new apps for better products, I just don't think I can be mad at that. 

[journey258]

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@jmcmillan wrote:

I agree with you, OP. I love my secued card from Capital One. It has a reasonable annual fee, I can increase the deposit ANYTIME without a penalty, it reports reguarily (and as unsecured), and payments are processed in a timely manner. Plus, approval is very easy. For those who get $300 CLs from Capital One, honestly, it's their fault. The secured card is so much more powerful, in my opinion, since you set the credit line.

Now, that doesn't mean that Capital One doesn't disappoint. I really do feel they should allow their customers to grow. I hope that with the expansion of their banking with the acquisition of ING and HSBC, they will start to make themselves a more valuable lender, but that is to be seen.

I'm sure when I'm done rebuilding, I will no longer do business with Capital One, unless they decide to grow with me. But otherwise, there are other lenders who will take my business. But I'm not going to call Capital One "crap," because I knew what I was signing up for, and they are good for rebuilding.

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kudos

[greeneman21]

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@FrugalRican wrote:

Any card that tri-pulls is worth getting angry at.

For the record, I've never had one, and I know I probably never will.

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LMAO +1

[Anonymous]

If you were catering to a customer, which would impress you more. If the customer pulled out a Chase Sapphire Preferred Card or a Capitol One Venture card?