JamesMS wrote:Doing this with most lenders is fairly easy and only takes a few minutes. I have actually done this with about 3 of my cards (2 capital ones and 1 chase). With Capital 1 you can either call in or log in and use the chat screen.
So I just attempted to contact Cap One (first through chat, then over phone). Very disappointed they gave me same response I received last summer, the last time I tried this (I've kept transcripts of all my contact with them).
According to them, they had no offers they could fulfill to product change my entry quicksilver to a venture. So I asked to speak with the first reps boss. Got on with him, graciously explained the same situation (including that I make more than twice now than when I originally got the card in 2010, with Sears at the time). Still no dice. So I asked to speak to the next supervisor.
The best he could offer was a reduction of my interest rate, from 24.99 to 18.99 (peanuts if you ask me) and couldn't process a CLI without me going through services tab on the website login, which I did (although I wasn't happy about this consolation "offer")Of course came back with a pending decision and they would let me know in two to three business days blah blah, thanks but no thanks I'm guessing.
So the guy I'm working with says he's the last point of contact, there was no one above him for me to be transferred to after I asked to speak to someone else. I said unless he's the CEO of Capital One I'm quite sure there is a supervisor of his, so that's when I got on the phone and off chat.
I'm ready to cut this card up when/if I get the "thanks but no thanks" notification in a couple days. But at least I let them know how I felt. You could say I cussed them out without uttering a single cuss word lol (mainly cause I was in my office at the time of this circus).