AVOID Capital One If You Can’t Accept These Secret Policies
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- Опубликовано: 23 июл 2024
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Theyre good for credit repair, they approved me 9.5k unsecured with a bankruptcy from 2020.... the ONLY card that approved me, so i got nothing bad to say about em.
They offer WAY more than just a credit repair. I have the capital savor card with a 7k limit for my first try and its hands down the best card for most people
They didn’t want to approve me back in the day without any big issues like that and I still didn’t get one. Fixed my credit and went to Chase now I have 5 cards at the best bank
Yes, same with me. I did bankruptcy in 2010. They were first to give me unsecured card after only 6 or 9 months. It helped me then. I never really use it though.
They gave me a $5000 credit limit in 2022 with a credit score of 650 and bankruptcy in 2018. I used to have them back in the day by defaulted on all three of my cards before
Wow!! I had them years past in my early 20’s went through a hard time, and recently applied for a Quicksilver last year and was only approved for 300, then I’d gotten their Platinum and Walmart card with 500 limit. Since then my credit has been fair to good. Limit only increased on my Platinum once. I closed the other two and kept the Quicksilver since it’s my oldest line with
I've been with Capiral One since 1996. I have NEVER EVER had a problem with them.
Capital One is so random. The denied a request for a credit limit increase for my Quicksilver but randomly decided to increase my Savor One from 1k to 6k without me applying for it some months after.
I hope they don’t ruin my discover card
Haha i hope so too.
@wblake22 I hope so too, Go Pac Go
Dido i love Discover
Facts
Seriously. Discover at least gave me a solid Credit Line increase. Capital One gave me nothing after 8 years of loyalty. Such a rip off.
How strange, I have my Quicksilver that they approved me for 750 cl and about 5 months after I asked for an increase they made me an offer of 4,250, much more than what I asked for! only in 5 months.
and the truth is I don't usually spend more than what I need, I don't even buy food with it
was gonna say the same . gave me $1000 first credit card . after 6 mos or so increased to 3500 . then they offered me the quick silver starting at 4500 . 🎉 .
Great information, I'm going to keep watching incase there's change in the requirements for the VX with the sub. Until then, I'm a Chase fan boy.
Capital One doesn't automatically increase your limit unless you use it like 2-3x times the credit limit by early paying and keep using rinse repeat. If you want to increase your credit limit you have to request it and they can approve or decline you
Hi your u tube channel has very good content keep up good work!. By the way what does this have to say about cap1 now acquiring discover doesn’t sound promising what’s your thoughts Thanks!
I have 3 .
My oldest was a Secured card (7yrs old)that THEY product changed to a Venture One and limit went from $300 to $3300; one with $500 that has never changed no matter how I spend & Walmart went from $1000 to $2200. I've never asked for an increase and barely use them because they're my oldest and lowest limits
I had a cc with capital 1 b4 chapter 13. When I completed my banruptcy they were the only ones who approved me for 500. 4 months later I got approved for a 3k saver one card. 8 months later my plat card upgraded to quicksilver and got a credit imcrease to 800 amd then 3100
Capital one seems more like a FinTech company with credit cards as a side hustle
Tf lol they have one of the top single only credit cards. Capital savor one is dope af
@@chosenlieutenant3978 meaning everything is automated. I have and love the savor one too
Lol nah they're just a subprime lender.
I always learn some thing new either from the news letter or these YT postings.
Also, please pay attention to these CC statements & interest fees they charge. My balance was at zero $0 & they tried to apply interest fees. (How can you apply a fee to ZERO). After a long conversation w/a rep they adjusted my account but this crazy. CAP1 SMH!
Same here 2 months ago
I have a good experience with capital one. I do a credit limit increase request every year, increasing my venture x credit limit by 4k a year. Then again, I went into capital one with a 800+ credit score.
Yes, Venture X sinks every year like a brick. This card is not for their target population. I called them to ask if I can downgrade (they call it "upgrade") to Venture One, but they were pushing me towards Quicksilver, which I don't want at all. V1 was also available.
I have been trying to find a way to product change my C.O. Quicksilver One to a no annual fee cc. Where can I find that page?
I have a 8 year with my first card & It was capital one platinum & the limit been the same since the beginning only 300$ mind you my credit limit is $24,000 & the 2 time I try to do a credit increase they denied it
When do they report new accounts to the credit bureaus? Bc I open 2 accounts with them in January. 3 statements later and theyre still not showing up on my credit report!
Been with capital one for 8 years and yes my credit limit with capital one is 1000…… it is insane…..
My quicksilver card, has a 3800 limit. My Venture-X, has a 10k limit. And my Venture One, has a 3500 limit. I never use the quicksilver. But I've had it the longest. Capital One, is crazy.
I have the Quicksilver One with the annual fee and I was recently increased from 500 to 1000 and maybe 2 weeks ago then they sent me a Preapproval for the Savor One card just just what should I do?
How do I find out if I'm eligible to upgrade my card?
I sockdrawared my Capital One platinum card two months ago. I now use my Apple Card as my daily driver.
I would look to upgrade the platinum using the link he provides, no matter what you get it's gotta be better than the apple card, the rewards on that card are just so extremely limited.
I have a quicksilver card for 7+ years...been at 2300 without increases. I did request but nothing. My chase is at 85k with score of 816. Always paid off before statement date. Weird as hell with cap1
That is pretty weird
FWIW, Once the quicksilver card gets to about 8 years of age then I saw $500+ CLI every 6 to 9 months.
Mark Reese did a video applying for the savor one and he was approved with adjusted terms and no sign up bonus with one bureau. He got a $10,000 limit.
It’s really not that hard to go somewhere else for credit if the limit is too low!
I've been with Capital One for about 1 month (yes, 1 month). I have multiple CC's (mostly with Amex). I applied for and got my Venture X the first time I applied with a $30K limit. People say this card is hard to get approved for,. I guess I'm just lucky.
I hope higher-ups at Capital One find your videos.
Haha, they'd be so mad. But hey, they did it to themselves.
I got the student to savor one last year. Planning to get the Venture X next year. Hopefully the Savor one is not bucketed.
That's a great duo right there!
Its a great duo. Hopefully student cards are not bucketed@@calbarton
Cap one buckets everyone also most litigious credit card and loans in the industry
I would say Discover is the most litigious imo
so its about how you use the card,,, if you have a high balance report they arnt too happy usually. its best to report 0-7% usuage. if your limit is say 750, use 400-700 a week and pay it every week. it will show you need more credit.
Cap one quicksilver has bumped me from 3K to 5k and last week they took me up to 7k unexpectedly.
I’ve never had an issue with increasing my credit limit except for the venture one, which was a base card… I’ve had no issues with increasing my savor and venture x to 30k…
I see the Quick silver card with a $200 intro bonus but when I got mine it had a $250 into bonus. I thought that was odd.
I’ve gotten a savor one with a relatively high ish limit. I want a venture x card, would it be worth it with the annual fee?
I use the savor card earn 800$ usd a year in rewards well worth 95$ fee
Love cap one started with quicksilver 900 limit moved on to savor $5k limit then venture 5k recently increased to 10k limit.
How did you get yours to increase?
i used it for monthly expenses and paid in full for 7 months straight and just went into the app and requested an increase. also make sure your balances are at 0@@chosenlieutenant3978
had mine for a while a secured card 1st credit card... and i notice out the blue got a credit increase i was surprised lol
Every time you run the credit and get denied it's a major hit to your credit.
Capital One is ok if you're in the process of rebuilding credit. However, once you're well along the path of rebuilding credit, DITCH Capital One, unless you like being disrespected and having your credit line reduced or frozen in place. Once you have credit cards with the other big players, say goodbye to Capital One and don't waste your time on them.
Crazy seeing this as I got a 20k limit off that bat with a 82k/ year job
Lol i did have that 500 platinum. It changed to a quicksilver and is stuck at 2100 to this day. 😂 Still use it though.
do they have a reconsideration line now
It's crazy because I don't even care to request CL increase they just increase it after a while. I use the credit card in tangent with my check card, any money I spend I can easily pay back at any given time. Aimming for 900 credit score so I can flex on the crap talkers.
I'm hoping once the merger happens that I can finally get another discover card. Discover has denied me multiple times due to a bankruptcy from 2021.
I never had issues with them, they keep offering me new cards and new credit limits.
Capital One also do not honor their policy on stolen or lost card agreement. They will find a way to charge you if your card is stolen.
Algorithms are highly sophisticated behavioral monitoring systems.
Not a consumer friendly financial institution! Piss poor service! Leave them.
Agree they are HORRIBLE
I'm curious, do you think they are any worse than some of the other big devils like Chase, Wells Fargo, Citi, etc?
Yes!
I used and paid my Adventure card consistently like Mike the Credit Guy explained and they increased my $500 to $1500 without me asking. So, this advice does not sound good.
They also will never change your secured card to an unsecured... Not my situation but I've definitely heard stories.
They did change mine from use cured to unsecured but that was with a squeaky clean history, now that my history had collections it could take longer
They like me a lot but I keep plenty in my savings and checking.
two cards and no increase in a year. Discover refunded $200 and gave me $1800 in unsecured credit.
How about just avoid Capital 1?
Easier said than done
my limit is 30k on Venture X. i guess cause I picked it up 4 years after my first card. I cant relate interesting info thou.
Why are they wasting time with Capital One?
I started at 3k and I have 15k now .. idk why ppl say they don’t raise your credit limit.. I request a limit increase every 6 month and get approved every time
Do they do a hard credit inquiry when you request an increase?
@@schm147 no hard pull
On the app, they also had a notification on the top center for you to put any income increase so they can consider you for CL increase. I filled the question out and who knows if they’ll do it or ask further.
@@schm147 no hard inquiry atleast for chase and capital one
So many people be lying on social media about what they make and their high credit limits. I call bullshit on most people that feel they need to let everyone know this information.
I’m starting to see why Capital One trying to get Discover card to team up with them. It needs to be MasterCard teaming up with Discover card instead. I’m just saying that’s all
CapOne is horrible ..the bank opened 2 credit cards & 1 checking account in my name - without my approval / authorization !! . Done with that bank. Forever.. Horrible in all aspects.. !!!
Avoid C1.
Yes they’re the worst!!
Chase is not a great option either. I have not been able to get my credit score high enough for Chase, BofA, Citi etc. How does a person move from sub- prime to better credit cards.
Make payments. Biggest hits are high utilization and missed payments. Assuming that’s perfect and still not getting approved, try relationship banking. Open accounts. Last thing I can think of which should be a huge deal is cashflow, you might not “make enough” for minimum credit limits, ie CSR is a 10k min, but the CFU and flex start at $500 so it might depend on the card and if you meet qualifications for min credit limit approvals. It’s possible you’ve opened too many accts recently, or just a combination of all these factors.
One additional thing, time. How old are your accounts? If you are trying to own the world but you only have limited credit history sit back, make sure you pay your bills on time and wait a year or two.
People whine about Capital One but in about 12 years of banking with them I think I have called customer service five or six times. Their high yield savings account is at 4.35% APY. Open an account and park some money there.
Might sound obvious, but the more money you have in BofA accounts, and the older the accounts , the nicer they are to you with their credit card offers. I don't use Chase but they're probably the same way. Other than that, always pay on time. Keep your utilization around 10%. Don't carry a balance but DO NOT pay until AFTER the statement prints. Then pay in full. Keep doing it. As your scores go up, you will get better offers. It takes time.
Do you have at least 1 year with a credit card? Chase (and i think Citi) like to see at least 1 year of history before they will accept you.
I will NOT apply for their cards or bank with them. They are anti consumer.
In what way? Explain how they are evil, don’t just repeat what others have said.
@@mikecumbo7531 I said "anti consumer," not evil. Three credit pulls for one card application; that's not necessary & it hurts the consumer.
@@mikecumbo7531 google capital one you’ll find out they’re the most litigious bank in the United States. They’re vicious.
@@mikecumbo7531 He didn't say they were "evil."
Sorry guy don't see it on my account, sounds really convoluted to me. I've had no problem pay on time, pay extra when you can and use it responsibly and you will have a good experience.
Cap One better keep Discover customer service
They won’t they are HORRIBLE
Can I do ANYTHING about Synchrony closing my accounts and lower limits on them. It is ridiculous.
Nope. Not your money people. You're borrowing and with so many Americans in massive debt, they are not playing games
Yes I understand they are covering there "AZZ" but I have NEVER missed a payment to them or anyone else and didn't even have a balance on some of the accounts! I am NOT playing games ether! When I get older I am doing the same thing my father did, max everything out are SCREW THEM! This should be ILLEGAL. No SCHIT it's not my money MORON but if you lend it to me you shouldn't be able to take it away for NO REASON! APPARENTLY you work for SYNCHRONY! So if I had a car loan with them or a mortgage, they going to reposes when I am UP TO DATE and NEVER missed a payment!? This should be ILLEGAL and I am looking into it! I am SURE there is BS fine print somewhere like with anything and the consumer ALWAYS gets screwed. Now my credit score is being damaged. I do';t care what you say, there has to be SOMTHING I can do! OBVIUSLY you work for these crooks and or never been screwed, YET! @@KittyKat-vb1nd
And other people in massive debt is NOT my problem! If you didn't give them so much credit it wouldn't be like that. MY limits are realistic for my debt and income. These idiots gave credit to dilinquents and now I am getting SCREWED for it. SO lets CLOSE and LOWER limits on some one who has NEVER missed a payment! YA, that makes sense but in the end I will WIN!
@@KittyKat-vb1nd
My mother is 77 and said when she knows she is dying, to go on a massive shopping spree! I LOVE screwing over banks, the BIGGEST crooks on earth! People in massive debt it there problem, not mine! So close accounts and lower limits on people who PAY there bills and have a LOW utilazation! @@KittyKat-vb1nd
Nope
It really doesn't matter on having one hard pull. It only affects one credit score from the credit bureau that was used. After 2 months it goes away.
Yup, I am a CRAPital One Victim. Worse than them, Synchrony is REALY SCREWING me.
Synchrony sucks!
You're using random online people's testimony. This is useless information.
The problem with Chase is you can't have more than 3 inquires I think.
6:08
Close it and bury the card.
So don't waste time with Capital One.
Once I hear the complaining, I stop the video as it's about increasing odds of a higher credit limit. Yeah, they started me off with 25k but I'll see I can finish the video.
Capital One is the devil.