JUST FOR GIGGLES CAP 1 CLI STORY

SUPERSQUID · ‎06-24-2021

BEFORE I FILED A BK 7 IN 2019 I HAD 4 CAP ONE CARDS. I HAD 20 YEARS OF PERFECT PAYMENT HISTORY. ONE OF THE CAP 1'S HAD A SL OF 500 AND ABOUT 20 YEARS LATER IT WAS STILL 500, LOL

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017

Ficoproblems247 · ‎06-25-2021

Welcome to the forums! While frustrating, there are often reasons behind the apparent madness that is Capital One (and other lenders that issue sub-prime products.) Reading this thread may help shed a bit of light on your lack of growth on certain cards. While Cap1 certainly is not the only one known to issue bucketed products that experience little or no growth, due to the nature of their wide range of products they seem to be the topic of frequent discussion just because of the amount of people that have experience with them.

Capital One VentureOne | May '15 | $5,500

FICO 8 Sep '23 EX 755 EQ 765 TU 739
TCL $199,800

SUPERSQUID · ‎06-25-2021

The only reason i kept the card was it was my oldest credit line, it had a 60 dollar annual fee. i had 3 other cards from cap one that were higher, one was 2500. i just got a new cap 1 platinum no af 300 sl 3 months ago, i hope it grows.

I burned cap 1 for about 5000 in bk 7 12/2019.

They just let me back in about 1 year and a few months post bk.

{ BK7 DC 12/2019 } target 1600/ kohls Visa 7000/ discover IT cb 6500 / 2nd discover IT cb 6000/mercury 4100 / firestone 2800 /legacy 3000 /first savings bank cc 3000/ cap1 QS 5000/ cap 1 savor one 3100 /Bread rewards Amex 4k, Penfed PCR signature visa 10k/ penfed gold 7.5k NFCU >signature visa cash rewards 21700/bread cashback amex 8000

>/ nfcu platinum 15k, BABY NEEDS NEW SHOES !!!!!
closed-- reflex, applied bank, first digital, mission lane, ikea, fingerhut, big lots, valero gasoline, ollo, more to come
Rebuilding since September 2020
who i burned - chase, cap 1, TD bank, Sync, were the biggies
Income 40k
Total utilization around 20 pct depending on my current usage/needs
Ficos in the 680 - 690 range, the 9's slightly higher than the 8's
My vantage scores 708 - 711
TCL - about 110k
Retired since 2017