I was sent a "guaranteed approval" offer for a Cap1 card and on the back it said the minimum the card would come with is a $500 limit. I sent in the offer, got the card and found out it has a 200 dollar limit. Cap1 says they re-evaluated my credit file and decided that the lesser card is what I qualified for. This pissed me off because I never would've had a hard pull on my file for a 200 dollar limit. Cap 1 says they cannot give me the 500 limit now. I understand they can change the offer due to fine print but this offer was clearly misleading and I feel like I was fooled into getting a Capital One card. Anyone else had this happen and have any luck getting them to raise the limit? I've PFB'ed about this already and got a BS response to call customer service.
nobody eh? Basically what I'm pissed about is that I sent in the offer based on the statement that the card was guaranteed to have 500 dollar limit. They did a hard pull and sent me a 200 dollar card. If I can't get them to up the limit maybe I can persuade them to drop the hard pull since I wouldn't have traded a hard pull for a 200 dollar card. This is borderline false advertising if you ask me.
Cap 1 is notorious for sending offers and then giving you a ridiculously low limit to start off with. Surely you've heard about their "platinum" card with a $200 limit! I don't think there's much you can do about the hard inquiries, since you did apply and their butts are probably covered in the fine print somewhere - although they did say that the minimum cl would be $500. Maybe you can try Planet Feedback.
