@Remedios wrote:
@Jnbmom wrote:I loathe Crapone but I was given 2 bucketed cards and they never ever grew much at all and to get 3 HPs for one of their cards lol.
Disco I am not a huge fan but don't hate them but their CLI policy is beyond riduculous. I get little crumbs here and there. My dd who has had her card a little over 3 months, excellent payment history 760 credit scores get denied for and I quote "high balances on cards" , she puts 85.00 on this card and pay off ever month her limit is 1250 and other card zero balance and student loan deferred. Their reasoning is a joke LOL
You were given two bucketed cards because of how your credit looked at the time they were issued.
CapOne starter cards are snapshot in time. For most, they don't change much.
While your credit situation has changed, their business model has not. It's working out for them because there will always be people who need to start somewhere.
Disco works out great for some, and it "sucks" for others.
That can be said about every lender.
There is an expectation that Disco will hand out money like candy because they did for a brief period while back.
That ship has sailed too.
Oh I completely agree that's how Cap one saw me, they served their purpose and I have moved on and just don't care for them as an overall bank, much better ones out there.
Business is business and I just choose not to do it with them anymore
OP. Cap1 and Disco get some ill will feelings from many. They get alot of attention on here. BUT. I have not seen a credit card company or their products not get trashed by someone. Not 1. Just so happens they lead the field. Rebuilders get you to where you want to be at. Secured or unsecured. I am thankful for the start and it lead to bigger/better things. Then it was time to say so long. See my RIP below. On the other hand. Some forget who got them where they are at now and then turn around and moan about it. Without Cap1 and Disco some of us would be SOL and stuck in who knows what predators company grasp. Everyone has to start somewhere. Some of us had to go the Cap1/Disco route. No choice. Personally from a $2000 Cap1 Plat to a total of $54,000 CL's with them both. No complaints from me.
Discover is quite possibly my favorite financial institution, period. I love their cashback banking and interest-earning savings products, and their It card was my first approval out of BK. I do also like Capital One, but Low Limit Land does suck. Thankfully I have one card with them that is in the four digit range. Hope the other will follow suit soon.
I looooved Discover when I first got my card in 2016. I made use of Discover Deals and saved a heck of a lot on money on my iPad and a Coach purchase. Also, I made use of the protections previously provided, such as price protection. My first Discover card, the It, has grown quite nicely from $5,500 to $19,500. No complaints there. But now, I won’t use the card for big purchases anymore since they have taken away all the benefits offered by the card. Moving those types of purchases over to AmEx. Also, my second card, the Miles card, seems to be stuck at $3;500. This month ends the 1 year double cash back. So I will only use the card for flight WiFi reimbursement. Still like the company, but it doesn’t fit my needs like it used to.
I know it’s not popular here. But I really like Cap 1. I burned them in my bankruptcy for 5 figures. They gave me another chance-the first after my bankruptcy. And now, my credit limit is higher on this card than the one that went into bankruptcy. Also, I love their instant notifications and fraud protection. I am out of the country 8 to 10 months out of the year. So this is important to me. They have caught fraud before I did. I have not had a problem when I have called or chatted with customer service. Redemptions are easy. No foreign transaction fees. For the most part, Capital One has been good to me. I rock with them!
