so done with Capital One/rant

[Anonymous]

Let me pile on, I have had my QS card for 3 years now and the only way I could get a CLI was to combine it with another card. It was 750  before I combined it with another card and it went to 2k.  Funny thing is I just got a CSP and Marriott for 22k each.  I also have AMEX that has a 10k limit.  My three scores are between 700-710 mark.  I just put my QS in the vault and letting the dust collect on it.

[NRB525]

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@Anonymous wrote:

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@NoAnchoviesPlease wrote:

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@Anonymous wrote:

When I look on here and see someone that had their cards 2 or 3 months and hit the luv button and get increases I wonder what am I doing wrong.

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@Anonymous wrote:

A year? I had a QS1 for 7 years and couldn't get anything out of them. Closed it.

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Same here. I did get a $250 CLI and QS PC last year after 7+ years of platinum... now a whopping $1k. Tried online, chat, and eventually EO was able to so generously bump me up. 

I'm thinking about applying for a new card next year and moving some CL over... wanted to dump them but will give them one more chance. Still $1k more than DCU was willing to give me.  

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Wow 7+ years. After getting all the replies and opinions from everyone here I'm going to keep it and hope that it will eventually grow.

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Excellent decision. Don't get frustrated with a CCC just because they don't seem to want to give CLI. Capital One is one of the best cards to rebuild with. Each card seems to have a ceiling where it will not grow once it reaches a certain point. Many on here, myself included, find that particular cards stop growing, but when you app for a new card, after scores have improved, you make a giant leap in CL. I have a $10k card, been that way since 2003 when it opened, no CLI ever. Apped Venture and got $30k a few months ago. Keep the QS1 going, keep it open, see whether any CLI are available, and after your scores rise some more, while that QS1 is still open, app for a new Cap One Quicksilver no AF card. You will most likely be pleasantly surprised at the higher CL. Don't close the QS1. Others that I've observed here who had CapOne at one time, got mad at them, and closed the cards, seemed to have difficulty getting back in with Capital One.

And early in your thread, you said Cap One indicated you have too many cards. Then you listed a boatload of store cards, besides the three bank cards. You have too many cards Look very hard, make the hard choices, to close many or all of those store cards and allow your file to look like you can take on some other credit lines. Revolving credit is revolving credit, even if it is a useless store card. Those store cards are gumming up your attempts to get real bank credit cards.

[Anonymous]

When I said too many cards I meant too many of their cards. I already started closing the store cards because I haven't used them in over a year. But I will keep walmart, amazon, and target. When I called capital one, the csr told me because I had just closed the secured card in September it was still listed as I had 3 cap one cards which sounds like bs to me.

[Anonymous]

it does sound like a little bs because i have heard of other people here having up to 5 cap 1 cards three of which were QS so i dont know how they say three is to many.  I know they said if i apply for a third card within 60 days of either an app for a second card or receive a second card chances are im going to be immediaetly denied based on just that alone 

[Anonymous]

i think 5 cards is the max but it's based on credit worthiness

[Anonymous]

yes I do believe your correct and as i told the them if your looking to expand your credit portfolio try Synchrony Bank they are very willing to extend credit. I have 7 cards with them and with comfortable CL's 

[Anonymous]

I think I found the problem guys. I'm working with a friend who's been helping me repair my credit. She says I have a closed capital one on equifax report with a balance of $517. I called the collection agency because I never had a cap one card before and they said it was another company that may have converted into Capitol one.

[Anonymous]

That seems a little fishy if you ask me i dont recal Cap 1 ever being something other then Cap 1 but i could be wrong.  A brief note here and i hope i'm not overstepping my boundries but it might not of been the best move to contact the colletion agency to inquire about the account.  If i'm not mistaken they can now reopen and reage the debt  and it will stay on your report longer then originally intended. I was told by one of the senior contributors on this very forum to never call the CA directly for that very reason if you see something wrong call the credit agency and file a dispute.  This way your not in any form acknowledging the debt and the CB will not reage the debt either.  Like I said i hope I didnt overstep my boundries but this was advice i recieved on here so i thought i would pass it along If I am wrong please anyone feel free to correct me so that i dont relay wrong information to people in the future 

[Anonymous]

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@Anonymous wrote:

That seems a little fishy if you ask me i dont recal Cap 1 ever being something other then Cap 1 but i could be wrong.  A brief note here and i hope i'm not overstepping my boundries but it might not of been the best move to contact the colletion agency to inquire about the account.  If i'm not mistaken they can now reopen and reage the debt  and it will stay on your report longer then originally intended. I was told by one of the senior contributors on this very forum to never call the CA directly for that very reason if you see something wrong call the credit agency and file a dispute.  This way your not in any form acknowledging the debt and the CB will not reage the debt either.  Like I said i hope I didnt overstep my boundries but this was advice i recieved on here so i thought i would pass it along If I am wrong please anyone feel free to correct me so that i dont relay wrong information to people in the future 

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HSBC and Orchard Bank were purchased by Capital One. Just FYI. 

[Anonymous]

I don't feel that you overstepped your boundaries at all. I accept all advice and I appreciate it very much. And it was an Orchard Bank card! I won't be calling no one else lol