Sha na na na Heyeya GOODBYE!!

[One7]

Good riddance! Maybe one day they will step their game up but until then it's not worth your time having to jump through hoops of fire just to get a crumb. Once my secured card hits two years (right before the second AF hits) it's cut and I'm done with them. I do have the GM card through them that I will hold on to a bit to see how that goes but if the situation is the same then off with its head as well!!  Good luck

[CreditMagic7]

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@One7 wrote:

Good riddance! Maybe one day they will step their game up but until then it's not worth your time having to jump through hoops of fire just to get a crumb. Once my secured card hits two years (right before the second AF hits) it's cut and I'm done with them. I do have the GM card through them that I will hold on to a bit to see how that goes but if the situation is the same then off with its head as well!!  Good luck

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Good Luck on that GM Card if there is such a thing in Crap1. Imagine running up to but not past the max with a 600 Limit, PIF, report zero then rinse n repeat again for months, then their sacred EO office deliberately wastes a perfectly good HP for nothing on a CLI request that was modest to say the least (400) in order to post an even 1000. With other Solid CC's that SL is 5K and above, no one has the time or patience to play their silly foolish games anymore and i think more and more customers are simpy fed up with them.

[One7]

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@CreditMagic7 wrote:

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@One7 wrote:

Good riddance! Maybe one day they will step their game up but until then it's not worth your time having to jump through hoops of fire just to get a crumb. Once my secured card hits two years (right before the second AF hits) it's cut and I'm done with them. I do have the GM card through them that I will hold on to a bit to see how that goes but if the situation is the same then off with its head as well!!  Good luck

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Good Luck on that GM Card if there is such a thing in Crap1. Imagine running up to but not past the max with a 600 Limit, PIF, report zero then rinse n repeat again for months, then their sacred EO office deliberately wastes a perfectly good HP for nothing on a CLI request that was modest to say the least (400) in order to post an even 1000. With other Solid CC's that SL is 5K and above, no one has the time or patience to play their silly foolish games anymore and i think more and more customers are simpy fed up with them.

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Trust me, I won't hold my breath

[wacdenney]

I did all the related house cleaning last night.  Cut up my card, deleted the iPhone app, deleted the favorite to their site from my browser.  Bittersweet in a lot of ways...

I think the best part may be not being tempted to read the endless barage of Crap One sucks threads on MyFico!

Now I just have to wait to see if there is any impact on my scores.  I'm not expecting much impact, but you never know.

[Anonymous]

Feel the pain and the celebration. Closed 4 Cap1 personal accounts, 2 Cap1 business accounts and 2 HSBC/Cap1 accounts. They were my after BK accounts. Highest CL was $10600. Out grew them and replaced with prime cards from Chase, Barclay, Citi, USAA, US Bank, FNB Omaha, Discover and local bank.

[baller4life]

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@wacdenney wrote:

I did all the related house cleaning last night.  Cut up my card, deleted the iPhone app, deleted the favorite to their site from my browser.  Bittersweet in a lot of ways...

I think the best part may be not being tempted to read the endless barage of Crap One sucks threads on MyFico!

Now I just have to wait to see if there is any impact on my scores.  I'm not expecting much impact, but you never know.

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I can't wait to do the same in a month or so. No need for Crap One in my wallet

[CreditMagic7]

Some of us can count our lucky stars that we only got small taste of the difficulty Crap1 puts way too many customers thru and with Much Better solid lenders can simply poop can their cards and lock the door behind us for good AND FOR THE BETTER!  

[longtimelurker]

Well, I have to put on my Capital One cheerleader hat (they pay me $2 every 18 months to do this): while there is a lot of pain if you start with rebuilder cards, the relationship for those going in later can be fine.   Reps aren't great (but I've had bad luck with Amex as well) but the QuickSilver is really an excellent card, with the no-minimum, earn as transactions post, reward system.

So those who want to spend extra keystrokes calling it Crap One: don't rule out getting a QuickSilver later on because of earlier issues.  Yes, it may not "grow" with you, but with credit in decent shape, big CLs don't matter and you probably won't be putting a huge amount on uncategorized spend anyway.

[Closingracer99]

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@longtimelurker wrote:

Well, I have to put on my Capital One cheerleader hat (they pay me $2 every 18 months to do this): while there is a lot of pain if you start with rebuilder cards, the relationship for those going in later can be fine.   Reps aren't great (but I've had bad luck with Amex as well) but the QuickSilver is really an excellent card, with the no-minimum, earn as transactions post, reward system.

So those who want to spend extra keystrokes calling it Crap One: don't rule out getting a QuickSilver later on because of earlier issues.  Yes, it may not "grow" with you, but with credit in decent shape, big CLs don't matter and you probably won't be putting a huge amount on uncategorized spend anyway.

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I don't get why people want to waste keystrokes and call it Crap one.... Just tells us their maturity level which would be pretty low in the Teens range imo 

While I still View Capital one as "sub prime" Specially when they give me $500 credit limit while I have much more with Chase, Citi, Amex, Discover and GE I still like my QS card for it's 1.5% CB ... Just be using it for buying Water or etc at CVS or wherever and let the CB grow to something substantial and get it as CB or maybe a gift card 

[keithB]

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@Closingracer99 wrote:

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@longtimelurker wrote:

Well, I have to put on my Capital One cheerleader hat (they pay me $2 every 18 months to do this): while there is a lot of pain if you start with rebuilder cards, the relationship for those going in later can be fine.   Reps aren't great (but I've had bad luck with Amex as well) but the QuickSilver is really an excellent card, with the no-minimum, earn as transactions post, reward system.

So those who want to spend extra keystrokes calling it Crap One: don't rule out getting a QuickSilver later on because of earlier issues.  Yes, it may not "grow" with you, but with credit in decent shape, big CLs don't matter and you probably won't be putting a huge amount on uncategorized spend anyway.

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I don't get why people want to waste keystrokes and call it Crap one.... Just tells us their maturity level which would be pretty low in the Teens range imo 

While I still View Capital one as "sub prime" Specially when they give me $500 credit limit while I have much more with Chase, Citi, Amex, Discover and GE I still like my QS card for it's 1.5% CB ... Just be using it for buying Water or etc at CVS or wherever and let the CB grow to something substantial and get it as CB or maybe a gift card 

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It's the mob mentality.  It's easier to hate on something and gain acceptance with the fellow haters then accept the rejection they feel when they get denied for the credit line increases they feel they are entitled to 

I actually have fun with my CapOne secured card - I discovered the card design center and get a new design each month, haha!  I'm like you, the CapOne I use for all my little stuff and I save the larger lines for the bigger purchases.  But I'm not much of a baller, I suppose - even with 9 other bankcards somehow I still find room for my CapOne in my wallet