Just got this in my inbox from Capital One: Subject: Activate your new card today! Dear MP$40, Thanks again for applying for a Capital One® credit card over the Internet! You still have the opportunity to accept our offer for a secured credit card. Since you've already been approved, getting your card is easy. Just print this e-mail and clip the deposit slip below, then attach a check or money order for your deposit amount of $199 (made out to Capital One) and mail it to: Capital One P.O. Box 85553 Richmond, VA 23285-5553 Your card will arrive about three weeks after we receive your deposit. Getting Credit Is Smart Getting a credit card is a smart move. You're on your way to: * Receiving an initial credit line of $0 and being considered periodically for line increases * Accruing interest on your security deposit * Building strong credit If you have any questions about this offer, our Customer Service Representatives are available at 1-800-333-7116 to assist you. Sincerely, R. Paige Clay Customer Relations Group Manager P.S. Your offer will expire if we do not receive your security deposit by August 31, 2001. Be sure to clip the deposit slip below and mail your check today! Initial credit line of $0? I'm cracking up! Are these people serious? Maybe I'll call them and say that I'll do it if they lower the desposit to $99? I would be willing to do this and pay the annual $35 fee for the trade line. But not if I have to pay some monthly b.s. fee also.
RE: Capital One - I'm cracking Whoa... that's got to be the coolest offer I've seen )) Please use my deposit of $199 to secure my line of $0) Probably a computer burp...
RE: use it to your advantage. Companies like cap 1 might let you use this to your advantage. Doctor 50's in front of the 0 in the email and call them up!!
RE: use it to your advantage. Already tried that! They know that if your deposit requirement is $199, that the card limit is $200. I called them to see if I could negotiate the deposite amount down to $99 and the rep wasn't trying to hear that! He was like, an offer is an offer and is not negotiable. Then he stated that after 6 months of good pay history, etc. that the terms could be renegotiated. Whatever...It would be nice to have the trade on my reports but not at the cost of $199! Besides I know if I was to reapply, I would get a better offer than the $199 deal because I've gotten a lot of stuff deleted off of my reports (via Junum) since I originally applied for the card in August 2000. But I don't want to add any more inquires to my reports (I'm on the wagon so to speak) until I'm done repairing. I already blew it when I applied for the Chase secured and was DENIED! :-(
RE: Capital One - I'm cracking I got one of those in my email too, and I sure as hell haven't applied for a Capital One secured card. I've had their Platinum card for quite some time. Are they becoming destitute enough for new customers that they would resort to spam emails?
RE: Capital One - I'm cracking Yes they are Doris K, apparently. As I have said before, CAPITAL ONE REALLY GETS ON MY NERVES. roni
RE: re apply who u talking to. I know you aint telling me to apply for another capital one card. PLEZE!
Heehee. Just the opposite. I didnot pull enough. I am just having some fun that's all. I never do anything that I can apologize for though. Sorry. roni
RE: cap one I would call and cancel. When I had my secured card for 6 months, they didnot give me an increase. I called and they said it was because I was over the limit twice. I wasnot watching my limits that closely then. I got pissed and said, I close this stupid card and send me my money. She gave me $200 then. roni
RE: cap one CHARGE $199.00 pay it off the next month. REPEAT REPEAT REPEAT REPEAT Then tell them that you would be able to charge more, if they ever gave you a LOGICAL CREDIT LINE!!! EXCEPT IT DOES NOT WORK WITH DISCOVERCARD...I MAXED IT OUT MANY TIMES WITH NO LUCK...
The thought crossed my mind... .....but no thanks! Capital One is just too cheezee for me. Besides, I'm saving on inquiries until I really need them. Cap1 is not a necessity right now.
RE: Heehee. Dang! I was going to ask who pissed in your Cheerios, but I think Capital One did it! ;-)
