I just posted that I got the e-mail that said to call him and was told it was pretty standard. I didn't have much hope. Anyway he just called and is raising my CL $700 to cover any BT for my Providian account & lowering my interest to 12.99 and unsecuring the card & applying the $49 security deposit to my bablance which is only $100 right now. I can't believe it. He treated me with total respect and did everything I asked and more. I love this site. I have learned so much here and I am finally feeling like I am recovering from the horror of BK. Thanks, everyone for all of your help!! Kim
I guess I spoke too soon. LOL Actually, that is standard procedure. But, it worked for you so congrats.
Kim, I've got to talk to this angel at CAP 1! How do I get in touch with him-- is phone, email, or fax better?
I sent my inquiry through Planetfeedback.com. I got an e-mail from him asking me to call. I left him a voicemail and he called me back saying everything was done. I had given all of my account info in the pfb letter(didn't opt for the shared letter.) I wrote in the letter that cap one had so far treated me well and I wanted to continue my relationship and get my prov. account paid off. He was awesome. This was all accomplished in less than 24 hours. Kim
I wish I could say such nice things about him today. I asked for a limit increase on my 2 year old $1000 classic card and was denied. Said only every 6-8 months and it wasn't time yet. I told him I was never offered the increase /review every 6 months. And when I had asked the rep about it, she was very condecending. He appologized for it but that was it. I told him I really didn't like being denied and at the same time recieving a pre-approved platinum card app. every week. I told him I wanted to carry one card with a decent limit. I already have a platinum toy cap one 500.00 card. I told him I felt I was being exploited having to pay 2 annual fees for a total of $1500.00 credit line and recieving offers for more each week. Why not just give me a limit increase and keep the new accounts? He then "validated" my feelings. Sheesh, what is he a therapist now? Really pissed me off. Then as I continued to tell him how I felt about not reporting credit lines, ect. all he kept saying yes sir, yes, sir. I told him I would keep the cards till may when I would cancel as it will age to 2 years at that time. He said if I kept it till July , he may be able to do something then. Yea, right and generate another annual fee before I don't get what I deserve and cancel. So after the conversation, I promptly applied for another plat. card which will be a toy card. So when I go to cancel I can hit them with 3 accounts that I will cancel. Maybe I can squeeze a forth in there by that time as well. I want to make a statement when I cancel. Feel the pain, Cap One. CRAP ONE
I wanted to get the CL increase to do a BT to Providian so that they would be paid off. I told Mr. cooke that my balance was $660 and he gave me a $700 CL increase & told me to call customer service to do the BT transfer.
