Cap One comes through 4.99%!

Discussion in 'Credit Talk' started by me, Aug 21, 2003.

  1. me

    me Well-Known Member

    I had held the Cap One No Hassle card for a couple of years at 8.9% for purchases and cash. I called a few weeks ago to ask for the 4.9 card they are advertising. The CSR said it was 'By Invitation Only'. So I pulled a 'Can I be invitied.' They said you'll find out if you get something in the mail.

    Never got anything, so early this week, I PFB'ed them and asked them to re-consider.

    So I get a call from their offices today. They agreed to change my card to the 4.99%! Although they said cash was now 19.8%. But I never get cash advances so no big deal.

    I hope they keep the rate 'fixed'. I'll let you know if anything happens.

    My 2 best cards now: Cap One 4.99% and Amex Blue 7.99%.
     
  2. me

    me Well-Known Member

    In anticipation of the question, the last time I checked my FICO, a couple months ago, my score was 769 on Creditwatch
     
  3. jlynn

    jlynn Well-Known Member

    Oh Lordy, I hope George doesn't read this :)
     
  4. Platinum

    Platinum Well-Known Member


    He...he...he...

    jlynn, that's good one...ROFLMAO :)

    Let's just hope he will be OK after reading this...
     
  5. GEORGE

    GEORGE Well-Known Member

    THEY CAN MAKE CASH 42% FOR ALL I CARE

    I HAVE 5.90%
     
  6. GEORGE

    GEORGE Well-Known Member

    SOME WISE MAN ONCE SAID...WHEN THEIR GOOD...THEY ARE REALLY GOOD...BUT WHEN THEY ARE BAD...THEY ARE REALLY, REALLY BAD!!!

    I think it was about AMEX...but it applies here also...
     
  7. jlynn

    jlynn Well-Known Member

    I knew he'd have to look.
     
  8. 8004me

    8004me Well-Known Member

    Gee I got 8.9 I need to call and get an invitation
     
  9. GEORGE

    GEORGE Well-Known Member

    Re: Re: Cap One comes through 4.99%!

    I had 5.90% BEFORE anybody else had it (or lower)..."I THINK"
     
  10. Amy B

    Amy B Well-Known Member

    Re: Re: Cap One comes through 4.99%!

    I had to laugh at that, I was thinking the same thing.......jlynn! lol
    We love ya George! :)
     
  11. willgator

    willgator Well-Known Member

    Re: Re: Cap One comes through 4.99%!

    now if someone could get crap 1 to report cl's !!!!!!!
    so you could use the card
     
  12. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: Cap One comes through 4.99%!

    BT TO A CARD THAT YOU CAN BT IT BACK FROM...

    $5,000 CREDIT LIMIT...BT $4,800...THEN BT IT BACK ONE DAY AFTER THE SATATEMENT GENERATES...SO YOU PAY INTEREST FOR 3-4 WEEKS...IT IS WORTH IT...

    Or send a copy of your statement to the CRA's and PLEAD your case...
    Your report is NOT 100% accurate with out the CREDIT LIMIT...the CRA's want it to be accurate...I'm sure of it...(DON'T THEY??? THEY ADVERTISE THEY DO!!!)
     
  13. marci

    marci Well-Known Member

    lol...
     
  14. Amy B

    Amy B Well-Known Member

    George, I'm curious....since Cap one gives low cl's to everyone else.....what'd they give you? :)
     
  15. GEORGE

    GEORGE Well-Known Member

    Re: Re: Cap One comes through 4.99%!

    ("PRE-APPROVED"--PFB COOKE) $7,500--->$9,500 (PFB--COOKE)---->$20,500 COMBINE WITH WIFE'S ACCOUNT (PFB--COOKE) NOW "JOINT"

    BUT my $9,500 "INDIVIDUAL" account looks like it is still OPEN...

    I have not tried to use it lately...
     
  16. me

    me Well-Known Member

    I think that my CL is pretty low. I have a 7K limit. In contrast my Amex Blue has a 30K limit.
     
  17. GEORGE

    GEORGE Well-Known Member

    Re: Re: Cap One comes through 4.99%!

    MY BLUE WAS $15,500 till I moved ALL but $1,000 to AMEX DELTA
    Still 4 years NO increase in the limit
     
  18. Amy B

    Amy B Well-Known Member

    I won't make you laugh too hard at my limit and they say they don't raise the cl on "those" kind of cards I'd have to get a new one. Not for 3 hards, forget it. Other people want me more!! :)
     
  19. jpriafl

    jpriafl Active Member

    Re: Re: Cap One comes through 4.99%

    I've had 6 cards with CapOne over the years (1st one was partially secured, last one was a biz card)

    A few months ago, I combined 4 of them to two, and increased CL about 30% to 2k and 3k. No hard inqs. Just a few weeks ago, I asked about converting to "no-hassle plat", they said minimum is 5K, I asked could I combine two remaining cards to one 5k and change to low-rate "no-hassle"... they said sure, but best to combine first, then upgrade after. Still waiting for the new CL to show 5k, will ask then for no-hassle, 7.9 or lower...

    Don't know if it's worth the bother, but CapOne has always treated me well, got a soft spot for them even though they're my lowest CL!
     
  20. GEORGE

    GEORGE Well-Known Member

    Re: Re: Re: Cap One comes through 4.99%!

    My individual account is now CLOSED and went POOF from their web site...

    My wife got a letter to RE-OPEN her "OLD" account when she combined 2 into one a while ago...maybe I will get a letter too...
     

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