Capital One is stingy!!!!!

[Cory]

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@Anonymous wrote:

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@Anonymous wrote:

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@roscoe211 wrote:
I was stuck at $500 with Cap1, I called them to close the account, they asked why, I told them because of the crappy CL. They offered to raise it to $1000, I said not good enough, please close the account. A week later I received a letter in the mail saying thank you for not closing your account, we raised your CL to $4500. Might want to give that a shot. However be ready to walk away from the card if they don't agree to raise it.

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LOL. that's funny.

I am afraid that if i do that, they'll be like..."okay no problem. Account closed" I'll lose 5 yrs of perfect history.

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Hah! I did the same thing but did not get the same result. I've had my cap one card since I was in high school and now I'm about to graduate from college, and my CL is still at $500. They're soooo stingy!!! So I called them one day and I was like... I would like to cancel my card please. They asked why, I told them that I've had this card for FOUR fricken years and have never been late on my payments, and I usually pay off the balance every month... Why can't you guys just give me a CLI? What's the problem? The lady suggested I should keep it for small purchases, and I was like, "Nah... either I get a CLI or I will close my account." The next minute, she came back and closed my account and asked me, "Is there anything else I can do for you?!" They sure got the last laugh. :-x Oh well I gues...

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You didn't beg them? or say I was just playing, haha.......................lol.

I would have beg and said I'm just playing.

[Cory]

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loloswims wrote:

What really vexes me about cap one is that every month they check my cp and can clearly see that I am not a credit liability.  And yet they still refuse to increase.  They did lower my apr by 3% points.

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Don't worry, I know that you are credit worthy, BIG HUG!!

[Anonymous]

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@Cory wrote:

All of you guys are too funny!

I'm just sitting here laughing at all of you. Believe me I understand the frustration with these CC companys.

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Hahahahaha! That is too funny! I might just take your advice for my other cards. ok i quoted the wrong post. lol

Message Edited by jizoe182 on 07-19-2007 07:23 AM

[Cory]

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@Anonymous wrote:

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@Cory wrote:

All of you guys are too funny!

I'm just sitting here laughing at all of you. Believe me I understand the frustration with these CC companys.

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Hahahahaha! That is too funny! I might just take your advice for my other cards.

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Beg them, sometimes you have to put down your pride, (GENERALLY SPEAKING) not saying you have pride.

[Anonymous]

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@Cory wrote:

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@Anonymous wrote:

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@Anonymous wrote:

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@roscoe211 wrote:
I was stuck at $500 with Cap1, I called them to close the account, they asked why, I told them because of the crappy CL. They offered to raise it to $1000, I said not good enough, please close the account. A week later I received a letter in the mail saying thank you for not closing your account, we raised your CL to $4500. Might want to give that a shot. However be ready to walk away from the card if they don't agree to raise it.

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LOL. that's funny.

I am afraid that if i do that, they'll be like..."okay no problem. Account closed" I'll lose 5 yrs of perfect history.

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Hah! I did the same thing but did not get the same result. I've had my cap one card since I was in high school and now I'm about to graduate from college, and my CL is still at $500. They're soooo stingy!!! So I called them one day and I was like... I would like to cancel my card please. They asked why, I told them that I've had this card for FOUR fricken years and have never been late on my payments, and I usually pay off the balance every month... Why can't you guys just give me a CLI? What's the problem? The lady suggested I should keep it for small purchases, and I was like, "Nah... either I get a CLI or I will close my account." The next minute, she came back and closed my account and asked me, "Is there anything else I can do for you?!" They sure got the last laugh. :-x Oh well I gues...

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You didn't beg them? or say I was just playing, haha.......................lol.

I would have beg and said I'm just playing.

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Nah. I don't really care. It's not like I'm trying to get a house or a car at the moment. My credit score is good enough for now. I'm 673 right now, which is pretty darn good... lol

[Cory]

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Irvin wrote:

yeah. i dont think they will have any problem closing my account if i call them. They never make any money off of me. I pay in full each month and charge a bottle of water on it near statement closing date. I am already planning on putting a bar of kitkat on the card before my next statement comes out.

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Yes, you better hushhssssss.............

[Cory]

Nah. I don't really care. It's not like I'm trying to get a house or a car at the moment. My credit score is good enough for now. I'm 673 right now, which is pretty darn good... lol

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Okay that's good. As long as you don't care about it. You are stepping up the ladder.

[Anonymous]

I have put down my pride. *cries* It was lame but the CSR lady was really nice today. lol :-x

[Cory]

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jizoe182 wrote:
I have put down my pride. *cries* It was lame but the CSR lady was really nice today. lol :-x

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Gooodeee, so you called and got reinstated?

[VLGaffEsq]

From my personal experience with CapitalOne, I have nothing but good things to say.  I think the longer you are a customer with them, the better they will take care of you.  I had a Visa card with $1000.00 limit for several years with them and then suddenlyout of nowhere, they upped my limit to $3,500 (a $2,500.00 increase).  I also negotiated a low fixed 4.9% rate with them for 3 years.  So I say...hang in there and keep your CapitalOne account!