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Bank of America Power Rewards Credit Card Changes
Guest: TomfromCT Credit Expert (100+ Posts) Post subject: Bank of America Power Rewards Credit Card ChangesPosted: Wed Jul 19, 2006 4:04 pm You rock Quiz. I hope that 2% rebate stays around for another 4 years though... _________________ Humor free posting since June, 2006 Avg FICO 738 2 reports full of perfection 1 report with 1 derog.
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Guest: quiznut1 Credit Expert (100+ Posts) Posted: Wed Jul 19, 2006 8:48 pm Hi everyone, Wow, that was a quick turnaround. Well, bad news. This issue is definitely closed. Here is a summary of the transcript of my call to Power Rewards this evening: Adam: Thank you for calling the Power Rewards center, my name is Adam, how can I help you today? Justin: Hi Adam, my name is Justin, I have a question for you. Adam: Yeah... Justin: I am not a Power Rewards cardholder, and I'm interested in this card, however, I was reading in some online threads that you guys are phasing out the 30,000 and 50,000 point cash rebate rewards, is this true? Adam: Yes, that is correct. Justin: Okay, there was some confusion in the threads and some people thought it might stick around, some people (including myself thought it was going to be phased out), but this is good information to know. Approximately what time frame are they looking at phasing this out? Adam: They've been talking about this for a while, possibly by October. We've already taken action by removing the rewards from the website (remember when that happened 6 months ago?), and for sure this will be complete by the end of this year as the new catalog comes out. Justin: So, but, you do know for sure that this will be phased out? No doubt? Adam: Yes sir. Justin: And the highest rewards that will be available is 20,000 points for $200 cash? Adam: Yes sir. Justin: Some people were speaking of the 30,000 and 50,000 point rewards still being available, and that they will be available until the end of this year, is that true? Adam: Yes, they will still be available until at least October, if not at the end of the year. Justin: If you don't mind me asking, can you tell me where you got your information about the phase out of these rewards? Adam: Umm....from Bank of America Justin: Well, I mean, anyone specifically? Adam: Well...the representatives... Justin: Representatives? Like, customer service representatives? Adam: Yeah. Justin: And where did the customer service representatives get it from? Adam: Well, I'm sure they got it higher up, just like a chain, it flowed down to us from the top. Justin: Okay, thank you for your time sir, I appreciate it. Anyway, one thing I noticed about the conversation was that Adam did not ask for my Power Rewards number at the beginning. Until then, every other Power Rewards representative asked for it. It shows me that he was determined to help me from the get go and was very confident when he gave his answers. Every other representative I spoke with hesitated when I asked them these same questions, having to talk to their supervisor or something. Anyway, that's all she wrote. Scratch the Power Rewards card. No longer 2%, only 1% at the most by the year 2007. Real bummer.
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Guest: vasili1 Posted: Wed Jul 19, 2006 9:18 pm quiznut-I got off the phone w/them a few days ago and they are not canceling it....I think we are all making a mistake by calling and raising a inquiry about this.....let a sleeping dog lie......
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Guest: quiznut1 Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 1:07 pm Quote: quiznut-I got off the phone w/them a few days ago and they are not canceling it....I think we are all making a mistake by calling and raising a inquiry about this.....let a sleeping dog lie...... Thanks for your post vasili1, but I am pretty much going to ditch my original plans to apply for the BOA Power Rewards card. After talking to the representative, it's not a matter of if the phase out will occur, but when. The guy spoke plain English, which means he obviously knew what he was talking about. I hate to see it go, but it happens. Anyway, I'm going to be applying for the Citi Diamond Preferred Rewards card in about a week. They have a promo going on right now (See This Thread) that if you apply by 9/15/06 under the offer code F1G7, you will receive 2 thank you points per dollar on every purchase for one year. You'll also receive a $100 gift card after the first purchase. The Citi Diamond Preferred Rewards card is the equivalent of 2% cash back (for 1 year) except the points are best redeemed for gift cards (5,000 points = $50 gift card for a number of merchants), which is okay by me. I am thinking this card will have to do until they come out with another 2% card, or I find out in 2007 that by some miracle, the 2% cash back option for Power Rewards still exists. Another thing, I already have the Citi MtvU Visa, which earns thank you points, and after calling Citibank last night, I found out I can have both accounts hooked up to a single Thank You network account. This means that the points I'd earn from both cards can be combined to form a single total, so I'll get my rewards quicker. It looks like this is going to be the best option for me right now.
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Bank of America Power Rewards Credit Card Phasing Out 1.5% and 2% Cash Back Offer
Guest: quiznut1 Credit Expert (100+ Posts) Post subject: Bank of America Power Rewards Credit Card Phasing Out 1.5% and 2% Cash Back OfferPosted: Fri Jun 30, 2006 2:57 pm I realize this is a repost, but I feel this topic merits its own discussion... I just called the Power Rewards Center at 1-888-434-2232, and they told me they will indeed be phasing out BOTH the 30,000 point reward (for $450 statement credit, 1.5% cash back), and the 50,000 point reward (for $1,000 statement credit, 2% cash back). She did not know when the phase out will occur, which is disappointing because I specifically asked her, "so, possibly by the end of this year?" She did not know. Anyway, she said the highest cash back reward would be 20,000 points for a $200 statement credit, only 1% cash back. This officially makes this card not worth your time. It really is too bad. I am now not going to be applying for this card as I originally planned.
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Guest: TomfromCT Credit Expert (100+ Posts) Posted: Fri Jun 30, 2006 7:12 pm [quote="quiznut1"]I realize this is a repost, but I feel this topic merits its own discussion... I just called the Power Rewards Center at 1-888-434-2232, and they told me they will indeed be phasing out BOTH the 30,000 point reward (for $450 statement credit, 1.5% cash back), and the 50,000 point reward (for $1,000 statement credit, 2% cash back). She did not know when the phase out will occur, which is disappointing because I specifically asked her, "so, possibly by the end of this year?" She did not know. Anyway, she said the highest cash back reward would be 20,000 points for a $200 statement credit, only 1% cash back. This officially makes this card not worth your time. It really is too bad. I am now not going to be applying for this card as I originally planned.[/quote] This is a bummah. I have had this cahd about a yeeah and I just made crossed 9500.oo in purchases, I was well on my way to that 2%er. WTH. _________________ Humor free posting since June, 2006 Avg FICO 738 2 reports full of perfection 1 report with 1 derog.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Sat Jul 01, 2006 9:55 am I was afraid this would happen. If you remember correctly, this was a fear I pointed out several months back. Fortunately, I only have a few thousand points on the card. Lesson learned is to stick with the tried and true rebate cards! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter! Last edited by Board Monitor on Wed Jul 19, 2006 3:13 pm; edited 1 time in total
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Guest: quiznut1 Credit Expert (100+ Posts) Posted: Wed Jul 19, 2006 2:10 pm Hi everyone, I want to bring this issue back to the forefront because I have an update: I called the BOA Power Rewards Center again, and to summ it up, here is what they told me: - Every year/couple of years, there is a brand new Power Rewards catalog that is released, which shows the rewards that will be available for at least 1 year (Each Power Rewards catalog from 2001 to the present has lasted at least one year). - Power Rewards has been around since 2001, and has undergone a few changes in the rewards in the catalog, however, cash rebates have remained the same since the beginning (point levels = cash back) - The brand new Power Rewards catalog (The person I spoke with did not know when it would take effect. The soonest he said would be the start of next year, but it could be "years" according to him) does not list the 30,000 point reward for $450 cash back (1.5%), or the 50,000 point reward for $1,000 cash back (2%). - Despite this, the person I spoke with told me that the 30,000 and 50,000 point rewards will remain in effect until at least the end of this year, with a possibility that they will not go away at all (despite the 30,000 and 50,000 point rewards not being in the new catalog). He finds no reason why the cash rebate levels would go away when they have remained unchanged for the last 5 years. To summ it up, the 1.5% and 2% redemption levels are good at least till the end of this year. I am going to attempt to contact the people responsible for publishing the Power Rewards catalog as a whole. The Power Rewards center did not have a phone number for them, but I am going to try to call customer service and work my way up from there. I'll keep ya'll posted!!!
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Guest: Board Monitor Board Monitor/ Administrator Posted: Wed Jul 19, 2006 3:14 pm Thanks for the follow-up quiznut! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Want Credit Card Offer with Only TransUnion Credit Report
Guest: spjoink Credit Expert (100+ Posts) Post subject: Want Credit Card Offer with Only TransUnion Credit ReportPosted: Wed Jul 19, 2006 1:34 am I need a card that only inquire transunion in southern cali... Help would be appreciated!!! Spjoink the Viking
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Guest: bullwinkle29 Credit Expert (100+ Posts) Posted: Wed Jul 19, 2006 10:34 am citi bank in ca pulls transunion. they did on mine and also on my wife
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Guest: spjoink Credit Expert (100+ Posts) Posted: Wed Jul 19, 2006 9:29 pm they pulled experian on me yesterday ....southern california
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Guest: gsr Posted: Thu Jul 20, 2006 1:11 am ya citi pulled experian for me, but i think wamu providan cards always pull transunion, so does merrick bank, and juniper bank. Not sure but it seems like it.
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Guest: XeroK00L Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 1:41 pm Darn...applied for 4 Citibank credit cards (2 regular cards and 2 business cards) 2 days ago and ALL of them pulled my Equifax. And I'm in NorCal. They're getting harder to predict these days.
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Small Business Credit Card Experience
Guest: freeman Post subject: Small Business Credit Card ExperiencePosted: Wed Jul 19, 2006 6:20 pm Have a small business card? Please share your experience! Card Name/Bank: Credit Limit: Rate: FICO Score: CRA(s) pulled: CLI: Time: (how long after you receive card) Advantage: Disadvantage: Good/Bad Experience.
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Guest: fire3000 Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 1:43 pm Chase $12,000 0% for one year on BT and Purchases Earns 3% at hardware stores, Office supply stores, restaurants, and gas My score is about 680 I was approved for it this year I had no problems with them (it is my fourth open Chase card)
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Credit Card Settlement Tips
Guest: Board Monitor Board Monitor/ Administrator Post subject: Credit Card Settlement TipsPosted: Fri Jul 14, 2006 4:45 pm This message posted by e-mail request from one of the visitors to our site: I have $707 in my credit report under CBUSA but no phone #. I want to settle this Acc. but I don't know how find this company. Can you help me? _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Guest: jrjdrayer Posted: Fri Jul 14, 2006 7:23 pm Try this - CBUSA, Inc. PO Box 8000 Hammond, IN 46325 Ph # 219-852-4350
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Guest: hdporter Credit Expert (100+ Posts) Posted: Sat Jul 15, 2006 7:10 am CBUSA is generally a reference to an arm of Citi that provides retail account financing on behalf of a number of stores. The problem is that without an additional reference, it's difficult to determine which store account it is. And most have different account servicing centers. If you've obtained a credit report directly from one of the credit bureaus, they should list at least an address (and possibly a phone number) of each of your credtors -- either along side the tradeline listing or at the end of the report in a section of "contacts". However, I note that FICO doesn't provide contact info in the credit reports that they generate, and that may be true of other non-bureau sources. - Harry
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Guest: eastbaykitten Posted: Sun Jul 16, 2006 12:12 am I don't know if it's good advice. I use google and BBB to find the weird abbreviations on my reports. With CA's, there are always complaints so they pop up in google pretty easily. _________________ ~EBK "The mind plays tricks on you. You play tricks back! It's like you're unraveling a big cable-knit sweater that someone keeps knitting and knitting and knitting and knitting and knitting and knitting..."
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Guest: sandyk67 Posted: Thu Jul 20, 2006 1:48 pm I have a $40 account from about a year ago that I want to pay on, I called the CA that has the account and asked them if I could get it in writing that once I paid it they would delete it from the credit bureus, they acted like they didn't know what I was talking about and said they couldn't do that but when they recieved my payment that they would contact the original creditors and my credit report would be updated as paid. My question is, would this be as good as having it removed? as long as it states that it was paid.
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Credit Card Offer with No Fee, Cash Advance and No Interest?
Guest: robert123 Post subject: Credit Card Offer with No Fee, Cash Advance and No Interest?Posted: Wed Jul 19, 2006 6:42 pm I am looking for a credit card that offers cash advance with no transaction fees, and a no interest introductory period. Basically, I want an interest free loan. I have a Citibank card that was offering no fees/no interest for 12 months on cash advances, but I never took advantage of it before they ended the offer. Does anyone know if there is a card offering this type of thing now? Thanks! Robert
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Jul 19, 2006 6:47 pm Quote: "robert123" I am looking for a credit card that offers cash advance with no transaction fees, and a no interest introductory period. Basically, I want an interest free loan. I have a Citibank card that was offering no fees/no interest for 12 months on cash advances, but I never took advantage of it before they ended the offer. Does anyone know if there is a card offering this type of thing now? Thanks! Robert What is the EMERGENCY for the need of a CASH ADVANCE??? BT's work fine for most people
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Should I apply for American Express Green Credit Card?
Guest: TomfromCT Credit Expert (100+ Posts) Post subject: Should I apply for American Express Green Credit Card?Posted: Wed Jul 19, 2006 4:06 pm You might want to have a year of credit history under your belt before you go and try for AMEX _________________ Humor free posting since June, 2006 Avg FICO 738 2 reports full of perfection 1 report with 1 derog.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Jul 19, 2006 6:18 pm Quote: "nefertiti66" I was just denied the blue cash rewards card. Reasons: Insufficient utilization information too few established accounts-length of time accounts have been established. Can I reapply online for the green card without a second hard pull or should i just give up for now until my cap1 card can show some history for 6 months. AMEX likes 2 years of history minimum
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Guest: davej Posted: Thu Jul 20, 2006 3:05 am I was able to get my AmEx Optima Platnium with only a year's spotless history...
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jul 20, 2006 3:55 am Quote: "davej" I was able to get my AmEx Optima Platnium with only a year's spotless history... OK..... Then the person that gave me the information was LIED TO
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Guest: davej Posted: Thu Jul 20, 2006 4:15 am Not necessarily, I guess it's all about banks being flexible sometimes...
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American Express Blue Cash Rewards Credit Card Offer
Guest: nefertiti66 Post subject: American Express Blue Cash Rewards Credit Card OfferPosted: Wed Jul 19, 2006 1:06 pm I was just denied the blue cash rewards card. Reasons: Insufficient utilization information too few established accounts-length of time accounts have been established. Can I reapply online for the green card without a second hard pull or should i just give up for now until my cap1 card can show some history for 6 months.
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Guest: mantras Posted: Wed Jul 19, 2006 1:53 pm Is the cap1 card your only credit card so you have a short period of history? If so you probbaly won't be approved for an amex at this time. If you can apply for green without a hard pull it probably would be worth it, but can you? Also you realize the green card is not like the blue.
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Guest: nefertiti66 Posted: Wed Jul 19, 2006 1:58 pm I realize the green is different, but do you think they will deny me? My cap1 card is the only one i have now. I just got it yesterday. Maybe ill just wait 6 months and try to apply for the amex blue cash again and also for the citi dividend card i want. thanks
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Guest: mantras Posted: Wed Jul 19, 2006 2:23 pm I doubt you will be approved at this time, but I don't have any experience with green. I would focus on building credit with your new cap1 for now and trying to apply for more in 6 months may be a good plan. Just keep keep your current credit in good order.
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Applied for US Bank Credit Card
Guest: gsr Post subject: Applied for US Bank Credit CardPosted: Sun Jul 16, 2006 10:55 pm Has anyone applied for a us bank credit card and not get a instant decision? It says instant decision, other banks say that as well but sometimes things get in the way.
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Guest: jlrdc909 Credit Expert (100+ Posts) Posted: Mon Jul 17, 2006 6:41 am Last month I applied for the Worldperks Visa, I received the same message. I applied on a Monday, the following Wednesday it was in my mailbox
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Guest: spjoink Credit Expert (100+ Posts) Posted: Tue Jul 18, 2006 6:20 pm what cra did they pull , i live in southern cali
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Guest: jlrdc909 Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 6:26 am EX was pulled for me
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MasterCard Credit Card Offer from First Premier
Guest: ANOTHERBROWSER Post subject: MasterCard Credit Card Offer from First PremierPosted: Wed Jul 19, 2006 11:11 am I JUST RECEIVED A FIRST PREMIER M/C WITH $300 C/L. THE FEE'S WERE $178.00 BILLED ON THE 1ST MONTH. I CALLED FIRST PREMIER TO CANCEL AFTER REALIZING I REALLY DON'T NEED THIS CARD AND I DIDN'T WANT ALL THOSE FEE'S. I WAS TRANSFERRED TO "DEANNA" AN ACCOUNT SPECIALIST AND TOLD HER I WAS NOT ACTIVATING THIS ACCOUNT AND TO PLEASE CANCEL IT. AFTER LISTENING TO HER SPEACH ABOUT REPORTING TO 4 CRA'S AND RE-ESTABLISHING CREDIT BLAH,BLAH,BLAH I BEGAN TO EXPLAIN TO HER HOW I HAD ALREADY ESTABLISHED WITH A LOCAL C.U. WITH SEVERAL CAR LOANS AND SEVERAL SIGNATURE LOANS AFTER MY 2000 BK AND I JUST WASN'T GOING TO PAY THESE FEE'S - COULD YOU POSSIBLY REDUCE THESE FEE'S? SHE PUT ME ON HOLD FOR A VERY SHORT TIME AND SAID SHE REDUCED THEM BY $70 IF I WOULD KEEP THE ACCOUNT OPEN. I DIDN'T THINK THEY WOULD FLEX ANY BUT THEY DID AND I AM HAPPY.
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Guest: fenster Credit Expert (100+ Posts) Posted: Wed Jul 19, 2006 7:04 pm First, lose the CAPS, within internet etiquette they mean angry shouting, and they're hard to read. Second, don't be happy, you're still paying $100 in fees and shark APRs. Third, lose the card too, a lot of decent banks for beginers out there, Premier isn't one of 'em. _________________ beware of everything
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Jul 19, 2006 7:29 pm CREDIT CARD OF LAST RESORT
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Wed Jul 19, 2006 8:26 pm Try a savings account that they put a hold on CALLED A SECURED CREDIT CARD You can put a deposit as low as $99 and get a credit limit of $500
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Guest: sandyk67 Posted: Wed Jul 19, 2006 9:25 pm I have applied for this card because I have low credit scores and not a real high income, I don't know if I have been approved or not but I figured at least I could build a good credit history then try for a better card.
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Guest: Board Monitor Board Monitor/ Administrator Posted: Thu Jul 20, 2006 8:29 am This is good to hear. Still not a big fan of this card by any means. All Premier Cardholders should call and complain about these fees now! _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Guest: Brammy Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 9:43 am Quote: All Premier Cardholders should call and complain about these fees now! In my opinion all of these cardholders should close these accounts and wait for a better offer. Its what I did after BK. Premiere offers went straight to the circular file. With no customers they would have to offer better rates. Whatever is dinging your score will eventually age enough to get you a better offer. I would rather go to a local finance company.
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Searching for Best Student Credit Card Offer
Guest: veri Post subject: Searching for Best Student Credit Card OfferPosted: Wed Jul 19, 2006 11:55 pm Junior in college; listed as AU on a few accounts in good standing (TU). Currently unemployed (full-time student), but significant financial support to specify on the income field of apps. One account in my name (Discover student card, $1000). TU reports score as right around 700; Equifax does not provide score (AUs didn't report to them / they don't seem to have that AU info, and only that Discover is on it); Experian, don't know what they say. Not sure what Amex tends to pull in Texas. Looking for a good second card and was considering one of the Blues - given the above, should I shoot for the cash back or regular Blue, or go with the student card? I'm also kind of liking Clear, but I don't really know if I could get into that or if it's worthwhile in comparison.
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jul 20, 2006 1:53 am Quote: "veri" Junior in college; listed as AU on a few accounts in good standing (TU). Currently unemployed (full-time student), but significant financial support to specify on the income field of apps. One account in my name (Discover student card, $1000). TU reports score as right around 700; Equifax does not provide score (AUs didn't report to them / they don't seem to have that AU info, and only that Discover is on it); Experian, don't know what they say. Not sure what Amex tends to pull in Texas. Looking for a good second card and was considering one of the Blues - given the above, should I shoot for the cash back or regular Blue, or go with the student card? I'm also kind of liking Clear, but I don't really know if I could get into that or if it's worthwhile in comparison. BLUE CASH is useless I dumped mine and moved the credit limit to another of my AMEX cards
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Guest: phantomega1 Posted: Thu Jul 20, 2006 2:14 am mouse is absolutely correct... Blue Cash IS useless, just got it and wish I hadn't... I'm probably not going to use it, or just switch it to something else. _________________ I can't commit. I don't even know if I like Pepsi or Coke. Caffeine is my lifeblood.
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Guest: veri Posted: Thu Jul 20, 2006 2:58 am Alrighty - considering at least one CRA has next to nothing on me and I don't know what the other has (TU excluded, obviously), suppose it's worth a shot for the regular Blue before going to the student variant?
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Guest: Board Monitor Board Monitor/ Administrator Posted: Thu Jul 20, 2006 8:26 am Wouldn't say it useless, just that it favors heavy chargers. My wife and I almost got 1K back last year using Blue Cash. Wouldn't call that useless. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
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Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jul 20, 2006 9:08 am Quote: "Board Monitor" Wouldn't say it useless, just that it favors heavy chargers. My wife and I almost got 1K back last year using Blue Cash. Wouldn't call that useless. OK it worked for you Many people can't use it for the "BEST" pay-out Using BLUE CASH or DELTA I desided DELTA was a better payoff I have no "LEVELS" to pass for the higher payout
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Want a Lower Credit Card APR!
Guest: AJ Post subject: Want a Lower Credit Card APR!Posted: Wed Jul 19, 2006 11:46 am Does anyone think that the feds will stop raising rates and start to lower them again. Every month, my rates go up by a quarter, and I'm sick of it!
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Guest: mantras Posted: Wed Jul 19, 2006 12:26 pm The Fed announced the rates will slow shortly and there may not be a raise the next announcement, but they won't lower them. Gas prices will gradually go up through the summer probably. I sure hope they drop sometime.. Just glad I pay for regular and get good mileage:)
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Guest: jlrdc909 Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 6:24 am Oh, by next year the interest rate should be 33 % and the gas should be $18.00 a gallon, but who's complaining
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Guest: Board Monitor Board Monitor/ Administrator Posted: Thu Jul 20, 2006 8:17 am Quote: and I'm sick of it! You and I both. Results in a lot of work for us updating rates every month or two on our site. _________________ Regards, Curtis Arnold Board Monitor http://www.CardRatings.com 20K+ Credit Card Reviews Sign up for our free monthly e-mail newsletter!
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jul 20, 2006 9:18 am THE ARE SHOOTING FOR 10.00% (my guess) Only 1.75% more
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What credit limit should I expect on my new credit card account?
Guest: billnc Post subject: What credit limit should I expect on my new credit card account?Posted: Wed Jul 19, 2006 8:53 pm I just received instant online approval for a Capital One Business Credit Card. The confirmation stated that it would be 7-10 business days before the card was sent and the credit limit was established. Any ideas on what the credit limit will be? My fico at Equifax is 680. Thanks, in advance. -Bill
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Guest: eastbaykitten Posted: Wed Jul 19, 2006 9:34 pm I can only speak from my experience with Cap one. It's a total cr@p (no pun intended) shoot on what they'll give. From what I've seen, it's always lower than other cards. I haven't ever dealt with them for a business related card. When I had a business, massage therapy, I had to get a personal CC with them. I had decent credit then and was astonished to get 200 CL? My EQ fico then was 640 ish. This was in 2001. _________________ ~EBK "The mind plays tricks on you. You play tricks back! It's like you're unraveling a big cable-knit sweater that someone keeps knitting and knitting and knitting and knitting and knitting and knitting..."
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jul 20, 2006 2:04 am Quote: "billnc" I just received instant online approval for a Capital One Business Credit Card. The confirmation stated that it would be 7-10 business days before the card was sent and the credit limit was established. Any ideas on what the credit limit will be? My fico at Equifax is 680. Thanks, in advance. -Bill $200 Slim chance for $2,000 Real long shot $5,000
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Guest: jlrdc909 Credit Expert (100+ Posts) Posted: Thu Jul 20, 2006 6:23 am Capital One could give you a credit card with flashing lights and lace on it, but give you a lousy $300 limit, while they are the more liberal in lending, the limits are pure lousy. Dont be shocked when the card arrives
CardRatings.com is the most comprehensive source for comparing credit card offers. Please visit CardRatings.com to view the best rated credit cards!
Guest: mouse SENIOR MEMBER (Member for 2 yrs.+) Posted: Thu Jul 20, 2006 9:21 am Don't expect $20,000 It has taken me over 5 or 10 years to amass that much with CAPITAL ONE It has been combining 2 into 1 and closing 1 Then applying for more YOU DON'T ASK FOR A CLI
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