Cap 1 puzzle????

Discussion in 'Credit Talk' started by Brenda, Jan 14, 2002.

  1. Brenda

    Brenda Well-Known Member

    Anyone knows why some of us get the 500 gold card and others get the 7,500 Plat. I was a client for over a year dealing with credit since 80's Mom new to the credit world has not in 40 yrs"""Well work very hard in the home an a great mom, and I am happy for her"""She gets the great card why not me they should give me a 0 plat with 20,000.
     
  2. bailey

    bailey Well-Known Member

    What are your scores and what is your income??


    that may tell you why.
     
  3. Brenda

    Brenda Well-Known Member

    My score is 629 and my household is 50,000,but my Mom does not work she got the great card,they never ask about the job. Just ss ,name, address no job income. So why can't I get on the proapprove plat for 5000 to 7,000. Why? WHY?WHY?
     
  4. bailey

    bailey Well-Known Member

    I don't know, but to me your score isn't high enought for platinum cards or those high limits.
     
  5. Brenda

    Brenda Well-Known Member

    last month target gave me 12,500 my score is low know because the so many inquiries in the last few months,but before that it was high and I did not get the Plat. I want the Plat!
     
  6. SEAN

    SEAN Well-Known Member

    Quit being a baby about it.....if you paid your cards off , established some long term (3 or more year) relationships, and quit applying for credit you may get what you want. Good things happen to those who are patient.

    Sean
     
  7. GEORGE

    GEORGE Well-Known Member

    I only got $10,000 from TARGET WITH 711 F.I.C.O.!!!
     
  8. My2kGT

    My2kGT Well-Known Member

    she probably has many long 10+ year credit relationships on her reports..

    ..nothing replaces history..
     
  9. GEORGE

    GEORGE Well-Known Member

    I GUESS 10+ BEATS 24+
     
  10. Big beacon

    Big beacon Well-Known Member

    Beware! Cap One is on their own scoring model. A profit model, not a high score one. They don't like to see too many 0 balances on accounts.
     
  11. GEORGE

    GEORGE Well-Known Member

    AND REMEMBER...N/A "CREDIT LIMIT" IS BETTER FOR YOU TO HAVE ON YOUR CREDIT REPORT, THAN $6,000 "CREDIT LIMIT"...(CAPITAL ONE LOGIC)
     
  12. Ron

    Ron Well-Known Member


    Brenda,

    I got Cap1 Platinium Visa offers three times from the mail and I put them into my shredder. I don't want Cap1 gave the terms that I don't like. Cap1 can give $500 credit limit for Plat. Visa. I don't want another "TOY CARD".It is a joke. One time they asked me that do I want to apply on the phone. I told them No. I don't want them to put another inquiry in my report because I'm in processing to get auto loan. That will hurt my credit score. No more Cap1 and I have enough cards from Cap 1 already. No thanks.



    Ron.
     

Share This Page