Should I just dump Capital One?

[Bandit5160]

I recently raised my credit score from the low 600s to over 750.  So I am looking to get som e better credit cards.  I will always be thankful to Capital One for forgiving the fact that I had a debt to them discharged in a BK and giving me another chance at credit.  They helped me rebuild my credit and get my scores up.  But now that I have done that and want better cards, they don't want to give them to me.  I had been given a Capital One Platinum Miles Rewards (CL $2000, AF $39) and a plain Capital One platinum with no rewards ($750 CL with no AF).  I decided a month ago to combine these two cards and they said I could close the lower CL card and add its CL to the higher CL one, giving me a Platinum Miles Rewards Cards with a CL of $2750 (and still a $39 AF).  Well, I think my credit is worthy of it now, so about a week ago I called Capital One up to attempt to upgrade my card to a Quicksilver.  They said I could only change to a Quicksilver One, which is really no upgrade- it still has a $39 AF.  I took the offer as my AF is not due until the October billing cycle.  I plan to try again before that to get the Quicksilver.  If they won't give it to me, I will consider cancelling my account with them and be done with Capital One,  BTW I recently applied for the. Capital One Dining Rewards card since I eat out a lot.  I got the 7-10 days message, meaning I probably aren't going to be approved for that card.  If I'm shocked and end up getting that card, I will then try to combine the QS1 CL into that one and close the QS1 that way.  Why are they still not leeing me have the best cards despite a 760 credit score and am I right to dump them if they won't work with me further?

[Anonymous]

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@Bandit5160 wrote:

I got the 7-10 days message, meaning I probably aren't going to be approved for that card.  

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I got the 7-10 day message on a Venture app. It was just for security, verification, etc. I was approved as soon as I answered their questions. 

[Anonymous]

Im in a similar situation. My QS1 is from jan 2016 and I've already paid two af's I try to upgrade it every 6 months but they wont and with no reason. I ALREADY HAVE A QS SO WHY CANT THEY JUST UPGRADE MY OLDEST CARD!!

Its so frustrating, when I do app for other cards Amex, Disc, even barclays they give me 5k to 10k starting limits but no big ole capital one can't upgrade my QS1 to a no af QS because, well really for no reason.

This fall is their last chance I'm combining my QS into my QS1 to bing its credit line over 5k and if they don't upgrade it by december its getting the guillotine. yes I know I could combine the other way around maybe but the whole point is I want to keep my active age of accounts up because im still under 2 years AAoA.

[Anonymous]

If you have two capital ones, over six months old and one of them has a $0 balance...why dont you merge the newest card into the oldest?

[K-in-Boston]

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@Anonymous wrote:

If you have two capital ones, over six months old and one of them has a $0 balance...why dont you merge the newest card into the oldest?

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OP states they did this a month ago.  

CapOne is certainly YMMV.  I have been a customer for 20 years and have never had a single CLI or an APR in the teens.  I've decided that I have outgrown them and will be pruning my Venture One (a combination of 6 or 7 Platinum cards over the years, most of which were not originally CapOne issued and were from when I had no credit or limited credit) soon.  Also tried the new app route earlier this year (sometimes CapOne leaves a particular card in a subprime bucket no matter how much a person's credit improves), apped for a Venture expecting a reasonable APR and starting line in the 5-digits, got the 7-10 day message and then was denied for a card for the first time in many years.  If they're not treating you right, I would certainly move on to other lenders that do (or will) value your business.

[Anonymous]

Can you list all of the cards you have, along with how long you've had them?  

Also, looking at your sig, I would dump Credit One and Merrick before I'd dump CapOne.  

[driftless]

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@Anonymous wrote:

Can you list all of the cards you have, along with how long you've had them?  

Also, looking at your sig, I would dump Credit One and Merrick before I'd dump CapOne.  

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+ 1

[rmduhon]

@nikokonto combining to QS1 into the QS won't affect your AAoA until the closed card is no longer reporting. Which is usually around 10 years after closing.

[Total80sKid]

After today, Cap1 is going bye bye.

I got first card with them 11/14. A secured $300 platinum card. It got credit steps and went up to $500.

It has not moved past $500

Got 2nd card 12/14. A QS1. Started me at $500, also in credit steps, got increase to $750. Hit CLI button for the first time a couple months ago and got $100.

Still stuck at $850.

Both cards have AF's and they refuse to upgrade me to a non-AF card.

Today I did an app spree. Thought I'd give Cap1 another shot at growing with me so I applied for the QS. Instant denial. This is after being approved for a Chase FU @$2k and a Discover It @$7k.

They refuse to grow with me and I'm not going to pay a fee for a card that does nothing for me.

Once the two cards are paid off, they are gone.

[Total80sKid]

@K-in-Boston

Agreed 100%!

Your scores are far better but I'm experiencing the same treatment you are.

If they don't want to grow with you and other companies are willing, that's who will get my business/swipes!