How stupid can capital one be?

[UncleB]

The folks in the posts above have already given excellent advice regarding Capital One bucketed cards.

I'll only add that I feel your pain since I have two of them myself, as well as a third card that's not bucketed.  The non-bucketed card even has a different landing page for CLI requests, so the difference isn't just behind-the-scenes. 

For what it's worth, I'm able to get CLIs on my non-bucketed card with no issue, but on the two bucketed cards I've not had a CLI in years (actually, they CLD'ed both of them a few years ago). 

The good news is that Capital One considers each credit account totally separate from the others (as explained to me by a customer service supervisor once when I called in annoyed about my own bucketed card) so if you were to open a new one it's likely your experience would be better.  That said, if I were you I'm not sure I'd bother with another Capital One card.  There are too many other lenders around who have cards that are just as good - if not better - without the Capital One quirks.

Just my 2¢.

[Varsity_Lu]

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@UncleB wrote:

The folks in the posts above have already given excellent advice regarding Capital One bucketed cards.

I'll only add that I feel your pain since I have two of them myself, as well as a third card that's not bucketed.  The non-bucketed card even has a different landing page for CLI requests, so the difference isn't just behind-the-scenes. 

For what it's worth, I'm able to get CLIs on my non-bucketed card with no issue, but on the two bucketed cards I've not had a CLI in years (actually, they CLD'ed both of them a few years ago). 

The good news is that Capital One considers each credit account totally separate from the others (as explained to me by a customer service supervisor once when I called in annoyed about my own bucketed card) so if you were to open a new one it's likely your experience would be better.  That said, if I were you I'm not sure I'd bother with another Capital One card.  There are too many other lenders around who have cards that are just as good - if not better - without the Capital One quirks.

Just my 2¢.

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Just curious about something: has anyone tried to move some available credit from a non-bucketed card over to a bucketed card? Then, after their 90 or 180 day wait, ask for a CLI on either or both of the cards? For example, card A is bucketed with $500 CL, card B is normal with $10,000 CL. Move $4,500 over to bucketed card, then after a while request a CLI on either or both of the cards. 

Just wondering if that changes anything if their algorithm sees a higher CL on the bucketed card.

[UncleB]

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@Varsity_Lu wrote:

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@UncleB wrote:

The folks in the posts above have already given excellent advice regarding Capital One bucketed cards.

I'll only add that I feel your pain since I have two of them myself, as well as a third card that's not bucketed.  The non-bucketed card even has a different landing page for CLI requests, so the difference isn't just behind-the-scenes. 

For what it's worth, I'm able to get CLIs on my non-bucketed card with no issue, but on the two bucketed cards I've not had a CLI in years (actually, they CLD'ed both of them a few years ago). 

The good news is that Capital One considers each credit account totally separate from the others (as explained to me by a customer service supervisor once when I called in annoyed about my own bucketed card) so if you were to open a new one it's likely your experience would be better.  That said, if I were you I'm not sure I'd bother with another Capital One card.  There are too many other lenders around who have cards that are just as good - if not better - without the Capital One quirks.

Just my 2¢.

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Just curious about something: has anyone tried to move some available credit from a non-bucketed card over to a bucketed card? Then, after their 90 or 180 day wait, ask for a CLI on either or both of the cards? For example, card A is bucketed with $500 CL, card B is normal with $10,000 CL. Move $4,500 over to bucketed card, then after a while request a CLI on either or both of the cards. 

Just wondering if that changes anything if their algorithm sees a higher CL on the bucketed card.

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If you check my link above you'll see where I mentioned previously how I reallocated from my non-bucketed QS to my bucketed grandfathered Savor card.  I've not tried to get a CLI on either since the reallocation, but this demonstrated that a non-bucketed to bucketed credit line move is possible.

I tend not to go for CLIs any longer but I suspect that on the QS it would probably be granted, especially since I'm using it for a BT promo right now.  My more pressing concern is that they might decided to CLD my Savor again and the reallocation will end up being for nothing, but that's just part of doing business with Capital One these days.

[KatzNDawgs]

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@Mrsell wrote:

True, it's just that if I wasn't a responsible client, then I'm sure I wouldn't get a 60k loan off the bat. That is a night and day difference from my card limit of 600 dollars. How is it one company can treat me like a scumbag in the credit department but yet treat me based on ny actual scores in their auto department. Either I'm credit worth or not it doesn't go both ways. But that's exactly what they are doing here with their pos 600.00 limit in a savor card mind you and then 60k auto loan. If I could pay back a 60k auto loan in 1 years time then how don't I qualify for like even 10k for credit. Makes zero sense.

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When a card is bucketed, it is pretty much tied to your credit profile of when you applied for the card, so even with a PC you likely will never grow much. However, an auto loan is a whole nother matter as it is a secured loan, backed by the equity in the car that they can repossess if necessary.

[Mrsell]

Understood, so let me ask you, hypothetically if I wanted to play this game with them, should I apply for a new card then cancel the current one? I was thinking cancel first but that would drop my score a bit. Maybe apply and then cancel? Or apply and then sock drawer thr bucketed card? I'm asking hypothetically because truly the best option for me at this point is to tell them to go f themselves. But again if he anted to play the game, what is the best route?

[Mrsell]

True but with credit they could go to collections and then eventually to the point of garneshment and ways. So if they wanted to get their money, they certainly over time could.

[Patient957]

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@Mrsell wrote:

Understood, so let me ask you, hypothetically if I wanted to play this game with them, should I apply for a new card then cancel the current one? I was thinking cancel first but that would drop my score a bit. Maybe apply and then cancel? Or apply and then sock drawer thr bucketed card? I'm asking hypothetically because truly the best option for me at this point is to tell them to go f themselves. But again if he anted to play the game, what is the best route?

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You would apply for a new card and SD the existing one, IMO.

No reason to close the other card, since it has no AF and it's old and helps your age metrics.

[dfwxjer]

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@Mrsell wrote:

Understood, so let me ask you, hypothetically if I wanted to play this game with them, should I apply for a new card then cancel the current one? I was thinking cancel first but that would drop my score a bit. Maybe apply and then cancel? Or apply and then sock drawer thr bucketed card? I'm asking hypothetically because truly the best option for me at this point is to tell them to go f themselves. But again if he anted to play the game, what is the best route?

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Dropping the emotions of the entire process will help you a great deal. 

If you don't agree with the way they're managing your credit account, look for a different bank to meet your credit needs. Not sure why you'd apply for a different Cap 1 card if you're not having a good experience with them. 

With the scores you reported you should be able to get in with Amex, Chase, Citi, etc... 

As others have noted, C1 Auto Finance and their credit card division are completely separate from each other, with different underwriting, policies, etc. 

[Mrsell]

Yes I understand not going with them again and that is going to be the route I take. As you mentioned there are other options I could easily get into now and get 10k limits off the bat in the blink of an eye.

yesbi understand your point of the auto dept being different. But I guess what I'm trying to say is how stupid they are because one part of their company will give me something based on my actual credit worthiness, while the other has me in a bucket. I guess their auto dept doesn't have a bucket system and goes by what the client has in regards to score and income and tests them fairly.

[ptatohed]

Wait, more importantly, how did @UncleB make a cents symbol???