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SHOUT OUT TO CAP1 😃

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youngman1234
Established Contributor

SHOUT OUT TO CAP1 😃

I really have to give a shout out to Cap1.. I'm in love with this bank, truly best cc lender after Amex...

When I started with credit I hated cap1 with my 500<750 starter limit and no Cli after that. And now all of the sudden in the past 2 years they are big time prime lenders and going after the prime spending versus the sub prime...

It's funny

2010 cap1 total limit: $750...lol
2015 cap1 total limit: $130k... 😎
Message 1 of 18
17 REPLIES 17
Anonymous
Not applicable

Re: SHOUT OUT TO CAP1 😃


@youngman1234 wrote:
I really have to give a shout out to Cap1.. I'm in love with this bank, truly best cc lender after Amex...

When I started with credit I hated cap1 with my 500<750 starter limit and no Cli after that. And now all of the sudden in the past 2 years they are big time prime lenders and going after the prime spending versus the sub prime...

It's funny

2010 cap1 total limit: $750...lol
2015 cap1 total limit: $130k... 😎

Wow! Big change! Smiley Happy

Message 2 of 18
baller4life
Super Contributor

Re: SHOUT OUT TO CAP1 😃

Whoa that's a massive change!! 😉😉
Message 3 of 18
NRB525
Super Contributor

Re: SHOUT OUT TO CAP1 😃

Congratulations, indeed a massive increase.

Can you break down which cards you have that make up that $130k?

High Bal Jan 2009 $116k on $146k limits 80% Util.
Oct 2014 $46k on $127k 36% util EQ 722 TU 727 EX 727
April 2018 $18k on $344k 5% util EQ 806 TU 810 EX 812
Jan 2019 $7.6k on $360k EQ 832 TU 839 EX 831
March 2021 $33k on $312k EQ 796 TU 798 EX 801
May 2021 Paid all Installments and Mortgages, one new Mortgage EQ 761 TY 774 EX 777
April 2022 EQ=811 TU=807 EX=805 - TU VS 3.0 765
Message 4 of 18
Creditdreamer
Established Contributor

Re: SHOUT OUT TO CAP1 😃

Wow. Congrats! That's crazy!
Starting: EQ 498 TU 501 EX 485 (9/23/11)
As of 5/12: EQ 552 TU 591 EX 572
Credit Repair Journey Bump in the Road
As of 10/15: EQ 511 TU 588 EX 601
Discover TU Fico- 12/31/18: 694; CK EQ- 1/16/19: 634
Goal: All 3 above 700

Message 5 of 18
Anonymous
Not applicable

Re: SHOUT OUT TO CAP1 😃


@NRB525 wrote:

Congratulations, indeed a massive increase.

Can you break down which cards you have that make up that $130k?


This would be useful. Hope OP is not one of those people with like 4 of the same card each.

Message 6 of 18
youngman1234
Established Contributor

Re: SHOUT OUT TO CAP1 😃

Break down as follows:

1. Biz Spark Cash- 50k
2. Biz Spark Cash- 40k
3. Biz Spark Miles -5k
4. Quicksilver -30k
5. Venture -5k
Message 7 of 18
Anonymous
Not applicable

Re: SHOUT OUT TO CAP1 😃

Good for you! How many Cap1 cards is the 130k spread across?
Message 8 of 18
CreditMagic7
Mega Contributor

Re: SHOUT OUT TO CAP1 😃


@youngman1234 wrote:
Break down as follows:

1. Biz Spark Cash- 50k
2. Biz Spark Cash- 40k
3. Biz Spark Miles -5k
4. Quicksilver -30k
5. Venture -5k

Awesome! Capital One has easily assumed top lender position in this camp too after a similar boot camp experience with me at first.

Like the commercial says with some lenders "Why put up with all that?" Smiley Very Happy

 

They knock 'em cold. I dunno how they do it but only hope they continue and become even more aggressive with customer satisfaction.

Message 9 of 18
youngman1234
Established Contributor

Re: SHOUT OUT TO CAP1 😃

5 cards
Message 10 of 18
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