So......like a lot of folks here I had some cards that were treansitioned to Cap 1 cards and they were stagnant. After over 10 yrs I had 5 cards with total CL of only S8900.......one had been renamed a Venture One card with 4.2K but an interest rate of 28.9% which is much higher than the advertised max rate of 22.9%........couldn't get this changed so I apped for a genuine Cap 1 card in Feb which was denied of course due to to many new accts on TU and not enough revolving accts on EQ which was a complete false statement, both of thes CRA's are showing tons of credit, most with zero balance.
So I closed all my Cap 1 accounts and re-apped a few days ago.........denied again but the letter they sent was the same letter down to the same date of my previous app. Clear proof to me the last app was not even reviewed. That tee'd me off so I called the EO and rep said she would have the app manually reviewed, probably more HP's but after 45 who's counting!
I have over 250K in CL, today's FICO EQ 732, TU 740, EX 750........Salary 150K plus bonuses. Just would like a Cap 1 for sentimental purposes since they were one of my first cards like so many others, plus I will be traveling more this year and the Venture could help out. Just wondering what kind of experience others have had with Cap 1 after closing a bunch of their accounts.
