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Discussion in 'Credit Talk' started by Chad, Apr 19, 2000.
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That is the same specific promise concerning unsecuring my account that I received from Capital One.
They _have_ reviewed my account, every six months, when I requested, but always refuse unsecured status. Although my history with Capital One has been fine for 5 years, they always cite my TRW file and credit problems I had before I applied with Capital One.
If they trusted me with credit 2X my security deposit five years ago, when my poor credit history was so recent, why not trust me with unsecured status after I've actually proven myself with them for so long?
I do not get it.
This ungrateful company will be singing a different tune the day your negatives are purged. But I have no doubt you'll have long since dumped them by then and you'll be shredding their unwanted, unsolicited offers (or burning them in the bathtub a la Doris K) and picking and choosing a more honorable company.
While its true that as a sub-prime client they could care less about you since this is such a growing field. Same cannot be said for the prime market where banks are fighting tooth and nail to hold on to their clients and spending lots of $$ to obtain or steal new ones. But then they'll have lost you and others their treating like "untouchables" for good.
WHY should Cap 1 return the deposit? It would be a bad business decision for them to do that.
The only reason I can think if is to make the customer happy. You ought to expect never to have the deposit returned. I say, if you want the card unsecured, close the account, tell them you only want an unsecured card. Maybe they will mail you an offer.
RE: Discouraged/Encouraged by
I have discovered that Capital One may offer an unsecured card with a low credit limit and charge an annual fee for having the card,
and then, instead of offering to raise the credit limit on the card, they offer a second card, again with a low credit limit and again with an annual fee.
It might appear to a disinterested third party that this bank is in the "annual membership fee" business.
RE: Discouraged/Encouraged by
That's an interesting point. I have two low-limit Capital One cards with yearly fees. The interest on my balances has been a couple of dollars each per month, but the fees total $138 a year.