- Centurion Member
- Posts: 4913
- Joined: Sun May 20, 2012 4:35 pm
- Location: WI
Sure is. Most issuers offer "Platinum" non-rewards type cards. If you check my signature, that was the one that started me off at a 9k limit, and they've since raised it, because they would obviously prefer I use that over my signature card which offers rewards (more profitable for them).
So there are quite a few cards I've seen out there that have no AF and no rewards and offer a decent limit, depending on your credit of course.
If your score was "too high" for a secured card, that implies they'd instead maybe be willing to give you an unsecured card. I don't honestly think though that any lender will decline you for a card because your score is too high. You could have an 800 score and First Premeire would give you a card I have little doubt. So, I wouldn't worry about that.
From what I've seen, Cap One doesn't take your history with them into account any more than your overall history with all lenders. In other words just having a card with them doesn't mean they are more likely to give you another one. That's just what I've experienced in dealing with them (and I'm thankful those days are behind me). So I wouldn't feel like you would be best off to stick with them and that you will get better odds or something.
One part I left out of that story was, when I had 3 Amex cards, Discover, a Visa Signature and other "prime" cards, I re-applied for the Cap One Rewards "No Hassle" card, because I wanted a Master card, and guess what? They declined me, with a score in the 780s. This is with perfect history with them, and a great score as mentioned. So getting Cap One's non starter/rebuilder cards is not as easy as many would assume, and they do not seem to give any greater weight to history with them than with everyone, at least GOOD history, I can't say about bad since I haven't had that with them.
I would suggest looking elsewhere for what you are wanting than Cap One. You already have them and they aren't exactly growing as you'd like. If worse comes to worse, go the secured card route, but I'd suggest, not knowing your profile, but if you feel you have a decent shot, trying for cards that are not secured as lenders seem to have been a lot more generous lately. Don't go nuts on it, but don't be afraid to test the waters either. You'll never know for sure unless you try. Ideally you should know your scores and read up on what various lenders like to see before deciding. I don't know that so it's hard to really make too many suggestions.