the new Cap One Platinum Mastercard that is.... That was fast - I could go back through the posts and materials - but I think they gave me the offer by mail only about 7-10 days back. Its NICE to get a real credit card, with real benefits. This has been a while coming. Its in my wallet above the AMEX Green - which will remain as the main card showing the second I open the wallet LOL! Regardless of what some people think, I still get a nod or recognition when I use AMEX. I still maintain that Cap One KEEPS its customers - unlike poor Providian who lost me because I paid on time and they wouldn't ever upgrade me to anything! kewl - dogman
Congrats again, Dogman! What were your terms again? I keep getting the Cap One Plat MC guaranteed offers, but they are for 14.9 fixed (purchases/cash) with a steep $59 annual fee. The card is sharp looking though, I agree (from the pic of it in the offer anyway)! Don't know if I can justify that cost though!
NiceGuy - get it - they will send it - and you know they will increase it. My terms are the same as yours except my fee is $39. I won't even asked to have the fee waived - I will consolidate the other Cap Ones into this one in a few months, through Mr. Cooke undoubtedly. (I can't help but think that the commendation I sent to Cap One's CEO for GREAT SERVICE by Mr. Cooke through PFB helped get me this Platinum Mastercard.) Sure - some people will start with a low limit, some higher. It is CLEAR from this board CAP ONE does issue and increase limits. I don't carry a balance. Tell me when you get it - go ahead NiceGuy - click the web and get the card - FYI - it was not instantly approved when I clicked - but I got $3500 to start. Go ahead NG - click it and get it! Aaarrfffffff - dogman
Hey Dog! I've had serious doubts about Capital One and their Platinum card. You have proved me wrong. I don't think I'm in a hurry to get one of their cards again...I'm cool with MBNA, Citibank, AMEX, and Macy's Premier Visa. I really need to get rid of both Providian cards that I have but that will come in time. My original schedule to CAN Providian was March and June of this year. I'm not quite sure about that now since I've been laid off and have had to use both cards. I did manage to find a temp job at a small start up in Mtn. View. It's o.k. but it's weird...they have less than 200 employees and 60 of them are in Israel! I am bored to death there. But hey...getting paid to sit there and LOOK busy is better than actually being busy at home doing house stuff and collecting unemployment! LOL...
Just HAD to read this thread: Not Embarrassed to pull it out.... Hooooooooooooowl ) Congrats Dawg! Now hit retention and PFB to get the $39 fee removed. They should do that for you with a little nudge. -Peace, Dave
Dog, I'm seriously thinking about going to apply but am still unsure. The main reason is the new Plat Visa I was approved for last month from my local CU. It is: 11.9 Fixed (Purchases/Cash) 6.9 Fixed (BT until pd in full) 5K CL No Fee Do you still think I should apply for the Cap One, or just wait until CR's are perfect when all negs drop off in 18 months???
I received my pre-approval a few weeks ago, it expires 4/30. It is odd that mine says 0% APR through 10/02 then 14.9% 11/02 & forward. Also, the AF is $59.00 instead of $39.00. Mine says a CL up to $2000.00. I just don't want to get another CC w/low CL. Other 2 Cap1 CC's are $300. & $500. I'd rather have one with at least $2000. to do a BT from old closed A/C with derog(if they do BT). Maybe I'll reply and see what happens. Congrats!!!!! HeatherB
I am proud of you MP! Things are starting to turn on again! You will soon have your choice of jobs - MP - lets face it, lots of people left CAL. You saw the news where San Fran and Silicon VLY rents dropped 30% in a year. Another couple of months at the most - BAM enjoy this time; as soon as you are permanent again, you wish you had taken more time LOL!!! Aroooooo - ARF ARF Best regards - Dogman
NiceGuy - nice card! IF you take the Cap One now, if it comes back with a low limit, it will be increased. If you don't take it, they'll keep bugging you - but this looks like a "get in the plat door" opportunity. EITHER WAY, 18 months guy - we'll be approved for the highest score cards. aarrff - dogman
HI Dave - I thought it was a nice title on email.,.. GEORGE - you never know what I might be doing behind the scenes..... Good input about annual fee - I had not thought of it that way. Hmmmm best regards all - dogman
Dog, Are they good with increases? If so, what is required to get them? A lot of usage, or carrying a balance, etc.? NiceGuy
I'm confused... everyone is excited about Cap1 but I thought when they pulled your credit - they pulled all 3 bureaus?? That in itself makes me ignore all the preapproval stuff they send me. Am I wrong? Do they just pull 1 bureau?? Do tell!!! Ozzy.
Everyone says they pull 3, for whatever reason, they have only pulled 2 for me, leaving out Equifax each time, but they do ARs on Equifax. I currently have 3 CAP1 cards.
My wife keeps getting different Platinum Card offers, 4.9% for 1 yr., then 9.9% fixed, no fees. Also, within a day or so gets the 2.9% for 6 months, then 8.9% fixed, this one being the "No Hassle Card". The same offers came last month too, now that I think of it, there is not a week that goes by w/o a solicitation from Capital 1 . Ditto, for me I applied online 2yrs ago for Platinum, and got a $500 limit, never activated, raised to $1,000, a few months a go, never used, will close soon, reports a zero limit on all bureaus, I have no use for them, with Credit lines totalling in excess of $140,000 my lowest limit $5,000.
