Merry Christmas from Cap One!!

[PotO]

Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

 

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

 

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

 

But no FICO.

 

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

 

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

[mizliz1011]

interesting re the spending. That is a pretty great limit. Even with CapOne!

[mendelssohn]

I tried that this week and was denied because I haven't been at my current limit long enough. February will be 6 months. My monthly CC spending is pretty good, but I guess that didn't matter.

[PotO]

Maybe at the 6 month mark they'll give you one. A lot of issuers are like that in that they require a minimum wait between CLIs.

[IndyPoolPlayer]

But no FICO.

 

I've tapped the luv button at CrapOne and got denied for insufficient usage and less than three months of recent payment history. No FICO score on these denials which leads me to believe they're denying on internal parameters and not anything within your CR

[mendelssohn]

 

 

But no FICO.

 

I've tapped the luv button at CrapOne and got denied for insufficient usage and less than three months of recent payment history. No FICO score on these denials which leads me to believe they're denying on internal parameters and not anything within your CR

I agree. All of the reasons I received had nothing to do with scores or reports.

 

I can't wait until I feel like I can close my Cap1 card and move on.

[PotO]

They'd always deny for insufficient usage, but still give me the FICO from their latest soft pull.

 

Anyhow, my goal was the FICO and the b'tards gave me $5k instead. Bummer ... NOT.

[PotO]

Hell, if it were Disco ...

 

1. Hard pull

2. $500

3. Snarky comment that they were doing you a favor.

 

God bless Cap One.

[Losluv]

Hell, if it were Disco ...

1. Hard pull

2. $500

3. Snarky comment that they were doing you a favor.

God bless Cap One.

This^

[funkiehouse]

 

But no FICO.

 

I've tapped the luv button at CrapOne and got denied for insufficient usage and less than three months of recent payment history. No FICO score on these denials which leads me to believe they're denying on internal parameters and not anything within your CR

 

I agree. Same situation here.

[minnie aubre]

Congrats! 15k is nice and not bad at all!

[PotO]

Congrats! 15k is nice and not bad at all!

While a lot of folks have Cap One cards with far higher limits, $15k -- or even $10k -- on Cap One's HSBC b'tard child is pretty darned good in my book -- especially without having gone the EO route on this last CLI.

 

I think the trick with Cap One is decent usage, improving credit profile and just being in line at the trough at just the right time. Holiday season should be a good time all around for CLIs.

[Quietman]

Congrats on the CLI!

[BlackKnight1983]

 

Hell, if it were Disco ...

1. Hard pull

2. $500

3. Snarky comment that they were doing you a favor.

God bless Cap One.

This^

 

 

If it were my account, it would be 4 hard pulls (2 EX, 2 EQ), then no CLI and a snarky comment.

[chicagorich]

Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

 

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

 

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

 

But no FICO.

 

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

 

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

[PotO]

 

Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO.

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

 

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

 

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

 

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

 

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

 

But do you think there is a reason for me to PC to a different product?

[chicagorich]

 

 

Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO.

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

 

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

 

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

 

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

 

But do you think there is a reason for me to PC to a different product?

 

When Cap1 offered me the rewards, it was with the QS card. There wasn't an option to keep the regular card and add rewards. So if you are getting the 1.5% rewards, I guess there is no real reason to get the QS card. My QS card doesn't have the raised numbers, so it does look different.

[PotO]

 

 

 

Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO.

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

 

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

But do you think there is a reason for me to PC to a different product?

When Cap1 offered me the rewards, it was with the QS card. There wasn't an option to keep the regular card and add rewards. So if you are getting the 1.5% rewards, I guess there is no real reason to get the QS card. My QS card doesn't have the raised numbers, so it does look different.

What about the Venture card? Is it better than QS, in your opinion?

[chicagorich]

 

 

 

 

Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO.

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

But do you think there is a reason for me to PC to a different product?

When Cap1 offered me the rewards, it was with the QS card. There wasn't an option to keep the regular card and add rewards. So if you are getting the 1.5% rewards, I guess there is no real reason to get the QS card. My QS card doesn't have the raised numbers, so it does look different.

What about the Venture card? Is it better than QS, in your opinion?

 

Well, Venture is a travel rewards card. I prefer the cash. Having said that, it looks like there is a nice sign up bonus for the Venture card now (40,000 points) plus waiver of the annual fee for the first year. I have no knowledge about redeeming those points for travel (how difficult, how much, etc).

[ronsetoe]

 

 

 

 

Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO.

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

But do you think there is a reason for me to PC to a different product?

When Cap1 offered me the rewards, it was with the QS card. There wasn't an option to keep the regular card and add rewards. So if you are getting the 1.5% rewards, I guess there is no real reason to get the QS card. My QS card doesn't have the raised numbers, so it does look different.

What about the Venture card? Is it better than QS, in your opinion?

 

It all depends. Are we talking about the QS Visa Signature or QS1 Master Card with the annual fee. There is also a V and V1. The V has an annual fee and pays 2% CB on travel, the V1 pays 1.25% CB on travvel and has no AF. If you charge a ton then the V would be better JMHO.

So it all depends on your spending habbits

[chicagorich]

 

 

 

 

 

Got this antique Orchard Bank card that got schlepped off on Cap One. At the time I was not thrilled at the prospects of being adopted by Cap One since from what I read online they were worse than HSBC. But Cap One gave me a CLI to $10k so I was happy.

Every couple of months I try the LUV button more for the free FICO than anything else. And, expectedly, I always get shot down usually for insufficient use. But I get my FICO, which was my original goal.

So two days ago I figure I'll go for another FICO and got the usual "under review" message. The past three months I've used my Cap One card a lot, but still had no expectation of getting a CLI. Today get the message than they increased to $15k. I'm shocked!

But no FICO.

I'm not sure if it's just because of holiday season or maybe Cap One really does like to see usage. Still, even though $15k is below average, considering it is from Cap One I will take it with gratitude.

One thing I noticed that's changed with the LUV button is that now it asks for your usual monthly CC spending. I wonder what effect that has in their decision.

Has Cap1 offered to convert your card to the Quick Silver card.? I had a Household card that Cap1 inherited and they offered to convert to QS after a few months.

They did offer.

When I got adopted by Cap One I was kind of bummed out. You know, it's not hard to find millions of people who hate Cap One ( or any issuer, for that matter) so I was pretty much convinced I would be stuck at $300 for eternity. Not being credit savvy, I just called Cap One and cancelled my card. Two or three days later a lady called and asked if there was a particular reason for closing my card and I told her. She gave me what came across as an authentic version of how Cap One is different and asked me to reopen. She said she'd have someone look at my account for a CLI, asked me what limit I'd like ($10k), but said couldn't guarantee results. She seemed really sincere so I agreed.

About a week later she called and said they would raise my limit to $10k. My APR was already very low ( < 9% ) so she couldn't do anything about that, but she stated she'd like to add a rewards program or, if I wanted, a PC to QS. The rewards program was the No Hassle 1.5% and I took it. I didn't go for QS because I heard the rewards program was the same, but that the card looked cheesy. I haven't bothered to go back and see if I actually made the right choice.

To tell the truth, I'm pretty content with Cap One. Yeah, the limit isn't as high as other cards, but it can get me through the month. 1.5% no-hassle cash, no FTF, friendly CSRs and funny commercials ... doesn't take much to keep me content.

But do you think there is a reason for me to PC to a different product?

When Cap1 offered me the rewards, it was with the QS card. There wasn't an option to keep the regular card and add rewards. So if you are getting the 1.5% rewards, I guess there is no real reason to get the QS card. My QS card doesn't have the raised numbers, so it does look different.

What about the Venture card? Is it better than QS, in your opinion?

 

It all depends. Are we talking about the QS Visa Signature or QS1 Master Card with the annual fee. There is also a V and V1. The V has an annual fee and pays 2% CB on travel, the V1 pays 1.25% CB on travvel and has no AF. If you charge a ton then the V would be better JMHO.

So it all depends on your spending habbits

 

I have the QS MasterCard and there is no annual fee attached to the account.

[mendelssohn]

If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

 

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

 

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

[PotO]

If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

Ok. Now it's clear.

 

I've got the no-annual-fee card with 1.5% cashback on all purchases. It's not the QS, but if it walks like a duck and talks like a duck ... .

Edited November 27, 2014 by PotO

[mendelssohn]

 

If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

Ok. Now it's clear.

 

I've got the no-annual-fee card with 1.5% cashback on all purchases. It's not the QS, but if it walks like a duck and talks like a duck ... .

 

 

Yep, no reason at all for you to PC IMO. You certainly wouldn't want to PC to the AF Venture card either. If you do, there's no signup bonus.

[Cappy]

 

 

 

If you have the QS with no AF, it is better than the Venture One for sure. Remember that the Venture cards are really cash back cards, and obviously 1.5% is better than 1.25%.

If you want 2% without the AF, the Fidelity Amex, Citi Double Cash and NASA cash back cards are better long term. Obviously the signup bonuses on the Venture cards make it worthwhile for some.

IMO if you already have a no AF QS card (or 1.5% cash back added to another card), you have Cap1's best offering.

Ok. Now it's clear.

 

I've got the no-annual-fee card with 1.5% cashback on all purchases. It's not the QS, but if it walks like a duck and talks like a duck ... .

Yep, no reason at all for you to PC IMO. You certainly wouldn't want to PC to the AF Venture card either. If you do, there's no signup bonus.

Ooh... I just did that.

 

I just wasn't interested in having 3 cap 1 accounts and wanted the venture.

 

I got the AF fee waived for first year