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