ny86yanks

thats the thing...citi and chase deny me...only store cards and capital one show me love....if i could get a damn amex id transfer all my balances lol i even applied for a juniper US airways and was denied

I guess this question is for someone who is familiar with cap one. I have had a capital one credit card with a $750 limit for a year and a half. They will not give me an increase. So I said hmmm let me apply for ANOTHER capital one card and see what happens. I was approved for $500. This makes no sense to me. So now I will have 2 cap one card withs 2 different limits...is this common? should i request an increase on the $500 card and THEN ask to combine them? what should I do? I am tired of these little limits my credits been repaired for over a year now Thanks

thanks, i do not have perfect credit, my scores are mid-upper 600s and i have 2 collection accounts which i fought hard to delete.... my cosigner however has no collections, good income, as do i, and high schores.....i was thinking maybe capital one?

Hello, I used to frequent the boards then I took a break for awhile. THanks to a lot of you my reports are cleaned up for the most part I have a few credit cards and I cannot get approved for a personal loan. Hypothetically speaking, if I have a cosigner with perfect credit and low utilization what would my best bet be...? I have heard american general, citi financial, wells fargo financial.....ideas? thank you

asset is the only thing left that litters my reports and with them there i cant get approved for anything big

well fargo has the worst CS reps by far

I understand, Thanks for the heads up! I would have to agree on this. I used to do all my banking, savings, a credit card and car loan with WF - I had a weird transaction on my checking account for $60, I called to dispute it and the woman on the phone actually said it was impossible for it to be a false transaction and I'd either forgotten about it or I was lying to try and rip the bank off - I was shocked, I couldn't speak when she said that. She put through the dispute anyway and I got a letter a week later more or less saying the same thing, that it was impossible to have a false transaction on the account and it was my responsibility and nothing to do with them. Considering I was pushing $8K a month through my checking account with over $10K in savings with them, its not a reasonable assumption that I would try and rip them off for $60. I closed all my accounts immediately and transferred the car loan to Chase. I was glad to be rid of WF.....clearly they're the corrupt ones 100% agree she was like its impossible for this to not be in collections the computer does not lie...even after proving to her i was never late then the manager came on the line acting like i was a low life but then she saw my payments were on time it was like they did not want to help me they were in the mentality i was late and that bank error is impossible sounds like your situation where they think they cannot be wrong....other banks would have at least looked into it oh well

I understand, Thanks for the heads up! no problem

Lynn, everything turned out to be fine it was just CS error My biggest piece of advice to you is it is hard to get someone on the phone, and when you do, MOST of them are rude lol they are not personable

definitely what I'm doing thanks p.s. long island huh? im in east meadow oops for some crazy reason i thought ur thing said LI...def not it says atlanta lol osrry

well 10 months ago i complained to the AG about them they responded to the AG saying they needed more time they never got back to them 10 months later the accts are still there thats why I complained again, this time to the AG and FTc I simply said they never provided proof the 1st time around

Well it has been 10 months since I made complaints about these guys. They are still on my credit report but they stopped trying to collect. Just sent complaints to the FTC and the AG in Michigan about them Get this, they never got back to the AG the first time like they said they would with proof. Lets see if the AG and FTC can shake them this time... If it works ill let you guys know, cause that means persistence pays off

so true...the most frustrating part of the whole thing is that this rep thought it was possible to go into collections before the first payment is even due

Everytime I call wells fargo financial about my furniture retail account they are so rude. So I called today to ask why my microcenter account was denied and they said because your furniture account is in collections. SO I argued saying it wasnt in collections and that I paid it on time every month, which is true. She said the computer doesnt lie and I need to pay to make my acct up to date again. So I am very angry at this point saying look I know what your computer says but I know this acct is not in collections. So the rep goes, "you opened the account in July 09 and your first payment was in AUgust 09 and you account went into collections of July 09" SO I said how did my account go into collections the first month if I paid it before the due date. She said sir I dont know but this is what its telling me. And I said well it doesnt make sense if its saying I went into collections but you are loooking at my perfect payment history. SHe told me she didnt know what to do and Id have to write a letter disputing it. SO I went back saying as customer service you should correct this for me. She said once again sir your acct is in collections. At this point I said give me a manager. I asked the manager to please look at my payment history, she did. I said have I ever been late, she said no. Then I said why is my account in collections. She said sir, your account is not in collections. Wow

anyone have a list?