Had enough of CrappyOne!

[stpn2me]

Well guys,

Today, my top blew with Capitalone.

They send me a fraud report saying there was a charge on 27 Dec. Well, we were at Disneyland and I left the card in it's sock drawer at home. I told them I didnt charge anything and they said they would send me a new card. I thought I would take this opportunity to ask for a CLI or product change with the new card. They said they couldnt help me. That pissed me off. I just told them to cancel the card. I just dont need the hassle, plus it's a crappy credit limit of $500 anyway. I hit the BofA luv button today online and they gave me an $1800 CLI on my VISA with them taking it to almost $4000. If Bank of America can see fit to take care of it's customers, then that's where my business will go. In the "what card would you app for" thread, Bank of America is shining and I see why.

Stpn2me

[Anonymous]

cool! i just dumped a bunch of no growers as well. feels great to be in a position to be the one saying i'm taking aa on your a$$!

boa is in my future. currently the soft pull card selector says i can get a 1.5k in 1 of three flavors, but i have way too may new accounts. in a few months though i'm going to be all over it.

[Anonymous]

WTG!!!

I personally love my Cap1 card, but I don't have the rebuilder one either. I must say that I love my BOA card as well though.

I go it about 7 yrs ago and it started at 5k and now it is at 40K. I cannot wait until Feb to ask for more, who knows they may do it on their own.


I always think it is good to know the mission that your cards are set out for. At some point Cap1 probably did what it was supposed to do for you, and now it is time for you to move on!

[stpn2me]

You know, Jaybee,

You are right. I might in the future give them a chance and try for a product change by apping for a prime card from them, not a starter card, but it seems when I told her I had better credit now, it should have been a no brainer for her to offer a better product that they had. Whatever....

[dallasjetfan]

In defense of Cap One, I asked for a CLI 30 days after opening my account and they gave me a $750 CLI bringing my CL to $2750 and since it has now been open for 3 months, they just gave me an automatic CLI of $500. At the end of the day, all CCC's suck!! They don't give a crap about anything other than making money which I have no problem with. If you pay them on time, they will treat you well. If not, they will screw you as much as the law allows. That goes for EVERY CCC, not just Cap One!! If you play with a snake long enough, you will get bit!! I think Dave Ramsey said that, but he is right!!

[Anonymous]

Plan this careful-

After the CL or Balance goes over a certian $ amount 30-50K it is no longer factored into UTL.

Then again- you may already be there- no one seems to be able to disclose what these $ amounts are-

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jaybee wrote:
WTG!!!

I personally love my Cap1 card, but I don't have the rebuilder one either. I must say that I love my BOA card as well though.

I go it about 7 yrs ago and it started at 5k and now it is at 40K. I cannot wait until Feb to ask for more, who knows they may do it on their own.


I always think it is good to know the mission that your cards are set out for. At some point Cap1 probably did what it was supposed to do for you, and now it is time for you to move on!

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[Anonymous]

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@Anonymous wrote:

Plan this careful-

After the CL or Balance goes over a certian $ amount 30-50K it is no longer factored into UTL.

Then again- you may already be there- no one seems to be able to disclose what these $ amounts are-

---

@Anonymous wrote:
WTG!!!

I personally love my Cap1 card, but I don't have the rebuilder one either. I must say that I love my BOA card as well though.

I go it about 7 yrs ago and it started at 5k and now it is at 40K. I cannot wait until Feb to ask for more, who knows they may do it on their own.


I always think it is good to know the mission that your cards are set out for. At some point Cap1 probably did what it was supposed to do for you, and now it is time for you to move on!

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My CL is still being factored in. A few months ago I had two cards maxed out and my util was still 14%, and I think it was nbecause of the 40 limit.

[Anonymous]

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@stpn2me wrote:

You know, Jaybee,

You are right. I might in the future give them a chance and try for a product change by apping for a prime card from them, not a starter card, but it seems when I told her I had better credit now, it should have been a no brainer for her to offer a better product that they had. Whatever....

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Keep in mind they will pull all three. I had my card for probably like 6 months and the CL got doubled-- I told them I wanted to take advantage of their "excellent" BT offer but I didn't want to have my util over 50%, and they gladly obliged!