steve123hwd wrote:i have an 800+ Credit score and never missed anything in my life. i have a few hundred k in credit on various cards. I have a $3k limit on this stupid ass capital one platinum card. i need at least $5-10k a month which i pay off. after 2 years of asking for increases, i said screw it!
I then applies for a business card from them and they gave me $20,000 credit, yes you read that right. everything is the same except i used it in my company name. I don't get t!!!!
That's Capital One. August of 2011 I had a 500 dollar limit card with a 39 dollar AF. I just found that very limitiing and I called and asked for a CLI. No dice, absolutely would NOT do it. I got the same old song and dance everyone gets from them. I then closed the card. In December of last year, I got frustrated my scores would not go up, and applied for a No Hassle Cash Rewards. Instant approval for 3k. They will not tell you that you may be eligible for better products or try to help you get them to keep a customer, they will just sound relieved you are closing your 500 joke card and saving them from that potential liability. You'd think they were paid based on how many accounts they can get people to close so they protect the company from defaults.
In short, they have terrible CS and they don't really seem to care, and in fact the attitude I got from them was they seemed DELIGHTED to close my account and why didn't I call sooner. They are one weird company. They are fine to start with but once you get better dump them and never look back is the best advice I can give. They serve their purpose like that beater first car you got, once you can afford better dump it!