7 Things Capital One WON’T Tell You
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- เผยแพร่เมื่อ 8 มิ.ย. 2024
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Someone who works on the inside for Capital One is stealing information and using the credit card under someone else's name and who's ever name is on the card is responsible to pay for it this is currently happening to me now to me now
I need to find a person who can help me because I'm paying for things that I did not buy I really need help
Someone with authority needs to contact me
Where is the upgrade link?
I answered a pre-approval application for Capitol One.I received another email from them asking me to check on my approval. I had a couple of questions about the issues that were important to me. I couldn't even get my questions answered. When I saw this video, I am wondering if they did a hard pull of my credit score and I am not going to be eligible with Capitol One. As I tried to find help I was sent in circles. I don't qualify to have a big credit limit and I know that but I thought they were a fair business until I listened to this video. I am sure glad you are able to provide me the information to make a more informed decision about my credit goals. I know that everyone has to make money for the company and I get that. But it is not a help for me at this time and I am going to look for a different company that is willing to help me not stick it to me in the conquest of more profit for them and nothing more for me to gain with doing everything right to have the credit that I am building and I wish big business owners would be more honest with the consumer and realize they are going no place with out the people who are using the service they are going to hurt me not help me because I don't make Mega money and I don't want to pay interest on everything I need. grateful for your time and help. Sincerely appreciate it. Donna Goffe
Capital One will put you in a bucket and keep you there no matter what. I've been with them 16yrs since 2007. At the time my credit was in the 500s. I started with the Platinum secured card $200 limit. Then upgraded to the regular Platinum 1yr later. Few years later upgraded to the Quicksilver one. Then upgraded again to regular Quicksilver. The highest limit I could get with a current credit score over 800 on that card was $5800. I finally decided to get a new card and applied for the Venture X and got $30,000 limit. Capital one definitely had me in the same bucket since 07
I got $6000 after 3yrs nothing else guess what I paid in full monthly they trip I locked the card after paying in full on the app and got Amex platinum no limits and chase preserve started with $17,300 and they automatically upgraded me to 20,300 after 6 months with only a $95 annual fee and I pay all my cards off before closing statement phuck capital one and chase automatically approved me for a $15,000 on the chase unlimited card with 0% Interest for 18 months I checked my app one day and it said you’re approved now I hit accept and the card was here 7 days later I said that to say they competing for my business not the other way around especially when they see you spending big across all your accounts and pay them off every month because chase monitors that even when you’re with different banks such as Amex my next thing is to get an increase from $20,300 to about $25,300 I know lending tight right now but they see my activity and they’re like he’s good for it 💪🏾💪🏾💪🏾
If CAP1 was the only game in town or I had much more spend/business I would definitely keep working on them, but for efficiency and time I got to stay with what works for me right now. I will give them a shot in a couple of years maybe.
@@patriciawilliams1230they didn't write you a check for 20k of money that wasn't yours, stop trying to sell your b.s
Bro, I have AMEX blue and am at 10k after 6 months.
@@walthamil5959what's am?
Dude, you're one of the best TH-camrs I've ever watched in the credit space. Please keep making this quality of content. Super informative
I’ve had a Cap1 card for over 15 years. They gave me a $11k credit limit on a salary of $30K and a credit score in the low 700. I am now salary of $200k, credit score over 800 and I still have the same $11k. I asked for an increase and was denied. This video is so eye opening!
I was on the verge of applying for a Capitol One business card. Thank you for the heads up!!!
The Capital One secret upgrade link you provided WORKED!
I have had a Platinum Card with no annual fee for over a year. I had two small credit line increases to $700.
I am now a SAVOR Card holder with no annual fee.
Thank you so much!
✋
Fake post
I literally just did it. It actually worked. I thought it was bs too, but it actually worked. No more annual fee and it didn't require a credit pull. It's simply an upgrade.@@newagain9964
Thanks for the upgrade link! I was able to upgrade my Quicksilver to a Venture Card and save annually! Thanks again!
I’ve been with American Express for a little over 38 years now! So I’m really quite loyal to them because they’ve always been very loyal to me!
You are the 💣 my man. I thought I was stuck with $39 AF from the QS One. It was the only card I had with an AF and it irked me to no end. I was able to switch into a regular QS! Thanks!
Bro! I’m glad I found your video. I have been with my Capital One account for a very long time and have always paid the annual fee! Seeing your video and going to the link… was super easy to switch out my card to No annual fee! Thank you for helping me save that fee!
Hard pull?
Did not have a hard pull on my credit.
I started with the 200 dollar card. Than quick silver I just got the savor card with 10000 dollar limit I also have capital one checking just saying I've done this in a year
Excellent video & info! 💯 Agree,Thanks
Thank you so much for all the solid info!
You're very welcome Chelcey
Wow!! I never knew I could "Upgrade" my Capitol One card and lose the Annual Fee!! Thanks so much for this information. Just successfully upgraded today:-) I'm looking forward to more of your content!! You're greatly appreciated🙂
Omg the link worked, upgraded from platinum to no annual fee quicksilver. Thanks man!!
You're welcome Jeff
Glad you told me about the credit bureau activities!
Thank you Cal!😁
I've had my cap one card for a bit with no complaints yet. Sub 700 credit score. Setup all my monthly expenses to use it. Never missed payment. Took about a year for limit to be increased.
Good and well done report. I hope you develop a newsletter with this kind of info. Very Well Done..good luck.
Capital One is absolutely a hybrid online/tech company. Their competition is more the Sofi or Allys than Chase or BOA.
Awesome video and thank you for posting!
I'm happy you enjoyed it! I appreciate it.
Capital One, "What's in YOUR wallet?"
Us, "Your hands."
Capital One, “what’s in your wallet ?”
Me, “ my wife”
Thank you 🙏🏽 I wish I came here prior to applying
Any time!
credit unions are better
I left Capital One after being them for 8+ years. This rarely happens but there was a time I missed one monthly payment with them. So I paid it immediately and asked if they could waive the fee. Upright No. With my other credit card, they did. So I paid the balance in my Capital One and dropped them.
I paid them off and moved on to another card for this same reason. They didn’t waive a small interest fee although I had excellent history with them.
Which one did you end up moving to?
Once I had p payment that was due on a Monday holiday. I got paid the Friday before, so I called and told them. The agent told me they wouldn’t waive the late fee even though the date wasn’t a regular day. My next statement though showed they hadn’t charged me, which was a blessing.
BPO, fake news, all credit card companies are like this.
If you go to chase they close your accounts for no reason
Thanks Cal, the upgrade worked!
Good to hear!
Yo thanks for the link, it worked like a charm! Upgraded my starter Platinum card to a Quicksilver Rewards with one click. I’m clearly still in the fair credit bucket even though my score is in the 700s now but its nice to get a better card in my wallet.
They offered me an upgrade for Savor with no annual fee. I never used my cap 1 card for more than 30.00 a month for a year. As soon as I started using the card for all my regular purchases and making pmts as soon as it post, they increased my CLI and then offered the upgrade.
The Capital One upgrade link works! Thank you for the insight! 😊😊
Hard pull?
Thank for the info. Do you know which card would be best for bad-credit people?
Really great comprehensive video! Thank you so much😊
Thanks!
Awesome information for me.
Thanks for that info👌🏾👍🏽👍🏽
THANK YOU!! I know I'm so tardy for the party but I literally just completed the secret upgrade! I've had the unsecured platinum for years and didn't know that was a thing. I've also had my credit card limit increased because of your video, it was never offered. WOW...thanks so much!
You asked for an increase on your unsecured card?
@@bionichustla100 Yes I did and it worked, they actually increased the amount and upgraded my card.
Yes!
Great information, thank you
You probably can’t get out of a bucket unless your income increases.
Can’t you just close the card then apply apply again
I've never had that problem. I got a Quicksilver card 2 years ago with a starting limit of $750. It's up to $5,000 now. And I never had to ask. They were just automatic.
Same here. Started at $500 and within 3 years I'm at 6k.
I started with $1000 six months later they increased it to $5000 without me asking.
Y’all started as unsecured
#8.Close your Capital One card. They slow walk payments to generate late charges and extra interest. They have just taken 4 1/2 months to process a payment. They would not waive "late" fees. This has happened 3 times this year. I am going to contact federal regulators. They also have astronomical interest rates twice my other cards. I am just going to buy a tank of gas or a lunch once a month and pay it with the bill to lower my utilization rate but otherwise I am done with them.
Sweet. Thankyou for that secret upgrade portal 😎👍 it just worked for me. I surprised that worked. Cap1 just upgraded (no credit pull) my Cap1 platinum card TO a Cap1 Quicksilver (the better card, not the Quicksilver One) very pleased about that. Thank you
You're welcome! Congrats
I've been a capitalone savior one for about 7 years. They wouldn't increase my credit for years. One day they finally did. Bringing my credit limit from 1500 to 3000 (15k at nfcu). Then kept requesting a cli till they approved 7500. Waiting 6 months and was approved to 15k. Nfcu also up to 25k, and chase at 13k.
Starting credit score from 650 highest 798 currently down to 750. Heavy usage on new card till zero intrest is up.
Hi, did you have to updated your income amount to a higher amount. ?
The Reuters article “Capital One scraps 1,100 tech jobs” means they “fired” 1,100 tech guys. Not they “hired” 1,100 tech folks!
I have never paid an annual fee with Capital One. I get by quite well with just Capital One and American Express. I pay all balances monthly. Have been doing this since 2014 with zero problems. Your mileage may vary.
I only have two cards, and really only wanted one, but one has special features that helps me. I keep my balances low, so I can pay them off in two to four months. I was in heavy debt years ago - when I got out from under - I never wanted to go back!!! When you calculate how long it takes to pay off high balances - it's not worth it!!!
I got out of the bucket and get increases every 6 months. With that said I have nearly tripled my income over the past 4 years, so it was more due to me becoming a high income individual vs any particular strategy.
SMH
@@ATLIEN333 what?
@@TheQuickyouknow 😅 I need to put on my glasses replied to the wrong individual..
They continue to offer me the Savor One. Not until I’m done with Chase, just for the same reason you stated; they hit all three credit bureaus
Thank you....I plan to close my Capital one in 2 years or less because of the credit limit problem.
Closing accounts hurts your credit score. Just keep it.
The upgrade link worked.
I have two capital one quicksilver cards one is a visa and one is a MasterCard. They both are pretty low limits and they seem to stay there. One is $3750 limit and the other one is only at $2500 limit. I use it once in a while occasionally, but I use my Discover and American Express cards much more!
You saying low limits and I’m like how can I get there!!
In 2019 I opened with Capital One with $500 and requested and got $5000 in 2023 so mine is currently $5,500.
Just got the Platinum Card, and it wasn’t all algorithm I had to send in a 1099 & 2 recent paystub‘s and 3 months bank statements and my identification, so an underwriter was involved
I've been stuck at $18,000 with CO for like 7 years now. All my other cards are over $25,000.
Im about to close my accounts with them. Im now with navy fed and pen fed. Chase is walking a fine line as well.
Where do you learn all
This stuff ?
Very interesting by the way
Great job
Thanks Joshua
I have 2 QuickSilver, 1 Platinum and now SavorOne
Been with capital one since I was 19 and I'm now 27. They only are currently giving me 5k between 2 cards
They hit me two hard inquiries I closed one quicksilver I still have the savor the question I have should I close the savor and call Experian to dispute the two inquires ? Thanks and great video
I've always wondered about why Citibank will not approve me for certain cards even with a 800+ FICO score. Vantage scores are a pain and buckets too.
I think Vantage scores are there as a steering mechanism designed to influence customers' thinking and guide them in a direction they want them to go. I have 17 accounts and I tracked the data very closely, having done several experiments. It really gives me a steep learning curve. Vantage is not linear. It's designed to work like crab pot mentality, pulling people back into the cooking pot when they see them escaping the debt mindset.
Don't focus on the Vantage score.
Focus on developing your wealth.
A falling VantageScore during a period when you have exponential wealth growth is proof of what they are trying to accomplish.
Credit score isn't everything.
Capital one is the best card to use in Asia never had a problem in any country there.Mastercard is the only credit card excepted in some countries
Got my first cap card 22 yrs ago it was my first and a secured card starting at $500 limit and 22 yrs later I am only at &5,800 with average year over year FICO score of 810
Same here, I started with secured platinum in 2007. Eventually upgraded to quicksilver one, then to quicksilver later on. It's only at 5800 limit with an 813 score now. I finally decided to get out of the bucket they had me in last month and got a Venture X 30,000 limit
I started with Cap One with a $300 limit about 4 yrs ago on the Platinum and got upgraded to the QS and I’m at $4k now with 1 and $3500 on another QSilver. So they been ok with me.
I didn't know you can have two quicksilver cards
@@MzConcept13 Yup.
You are right I called capital one customer service and asked about credit limit increase and they all of that is done by computer . The agent they have nothing to do with limit increase cause it’s computer generated. Wow 😮
Thank you so much for doing this.🙂🙂🙂🙂🙂🙂😉😉😉
I'm debating on getting capital one again. I had them before and paid it off.
If my Statement open date is January 2nd
Billing cycle--this is what's reported
Statement close date is January 22nd
Does that mean January 23rd till February 1st has no negative or positive effect on my account as long as its paid off before the 2nd of February
I been stuck with a 3k limit it's been 2 year's now since I applied with them, but I want to get more higher limit and they keep asking me to upgrade my annual income so Idk if the amount i make is low to get an upgrade or do I need to make more a year so that would help me to rise my limit credit. Please if you're a in the same situation I want to read your experience too.
I got the savor card before they started charging the annual fee
I have questions could you do a video to inform us with a list of CREDIT CARDS 💳 THAT PULL FROM Experian Credit Bureau only ⁉️ thanks for the Capital One ☝🏾 tips because I didn’t know they pull from all 3 Bureau ….TFS ♠️♠️♠️👑💪🏾😘
Damn. Good video my man.
I pay my cap one off every two weeks.
2-400 usually. Saving up rewards for a gold top micro bass😂😂
I got 5 cap one cards. They wont give me no more. Gotta figure out how to upgrade to the venture x
When my parents bought a house 50 years ago credit was a thing but a loan was determined by capital. Here we are in the 2020’s where loans are decided on your ability to get loans.
Watched ur video. Decided to check my capital one venture card. Once I signed in it showed I could request a credit line increase. Went thru the steps and recieved a $9900.00 increase.
Previously the increases were minimal. Around $1300.00 each time.
Agree its difficult to get increases thr cap one. I just want higher credit limit so my debt to availability is larger.
Ive been bucketed and my credit limit is frozen to 3,500. I was not approved for a CLI but was approved for received the Savor for 15,000 the same day!!! What should I do with my original Bucketed Quicksilver ? Product change or cancel?
i feel lucky i applied for a savor one and was accepted with $5000 limit and had around a 710-720 credit prior to the hard inquiry
I've been offered the Savor One card with a $300 sign on bonus after spending $500 within 3 months of usage and a 0% apr for 15 months. I'm just going to wait until this gets better.
You get a hard inquiry even if you don’t get “fully approved” - just completing the application itself is enough for them to ding your score (this is different from seeing if you’re prequalified)
Just got a Savor card with 0 annual fees with a $10k limit.
Any other cards someone could recommend? I am trying to get a high limit card.
My Experian report was locked and I still got approved
Yea I got the Venture with my Experian locked. I forgot lol
I have heard that sometimes their application system will not approve and ask to have access to the credit bureau they want to evaluate.
I wish captial one would end my bucket with the quicksilver, ive only been seeing 100-200 credit line increases. Now my Savor one I got 9k on it now, which is awesome!
I have been with them for years and have never seen an increase. I make my payments and are usually much higher than the minimum amount. I believe that I am in their “bucket”.
The upgrade was no longer available when I clicked it.
I am a college student and got the savor one student card. I doubt this will put me in a bad bucket due to me just being a student.
Been with them for over 20yrs only had 1 increase in all that time working to pay off and close acct
Tried the upgrade link... it said it was no longer valid? Thanks for the video. The CO one was my first card many years ago when I had fair credit... and it has always mystified me why my limit was stuck while all the other banks have raised my limit much more. I would have cancelled this card years ago as I hardly ever use it since they have been so stingy on dishing out the credit... however, since it's my oldest credit line I don't want to take the hit as it would drop my score.
Dang man. I have SavorOne & Platinum. I tried to open another with a pre approval, and they denied because “too many capital one cards” do you think I’d at least be able to upgrade the platinum? Or at least upgrade to something like Venture
The platinum is often upgraded to the quicksilver or QS1.
Also, the limit only applies to their own cards. Ex: I got a C1 Walmart "partner card".
2% cash back at any store with no annual fee.
Hey, thanks for the video, great information. I have 1 Capital One Platinum card with a $1500 limit, its been that limit for the last 4 years, even after I financed my 2017 SanteFe and paid the $32k 5yr auto loan off with perfect payment history. I was under the illusion that I had a good standing with them but maybe not.
Number 8 having a Capital One savings account improves your odds for a higher limit. When I had $16000 in a Capitol One Savings account. I got approved for a new Savor card with a $7000 limit. I was denied a new card with them for years and never got a limit increase on their Quick silver card.
These smaller cards are for BUILDING credit. If you have good credit they feel like you don’t need it do they stop your limit. And if your credit is that good its time to upgrade to better cards anyway, don’t need the beginner cards anymore
And where is this link for capital one to change cards
Thanks, just saved me $39.99 a year.
I have had my secured cap1 card for 12 yrs!!! Only 1 late pay-They REFUSE to give me an unsecured card- I literally HATE cap1
Agreee!!!
Capitol One gets on my nerves my 500 limit has been in place for 4 years. I have 772 to 793 across agencies. 😮😮
Crazy! Spend 499 each month and call them to tell them you want an increase because you have to pay your balance too often? Haha. Better yet, some of the presenters ideas above may work well for you.
I believe that Capital One is determined to keep my credit score low. They only seem to report after I go over limit. I have paid attention to the pattern. When I make a payment it is not reported. Then with the interest charges, they are applied usually right before my next payment. They report the “over limit” but my payments never seem to be reflected. I have locked my cards and made an extra payment to cover the interest charges. My credit report is still showing the over limit and has not updated. Therefore keeping my score low.
Capital one gave me a 10k increase on my venture x to 30k after a year…..never carried a balance and I treat it like cash
Wow congrats 👏🏾 on getting to $30k.
Same here
I been with capital one for some years. Never bothered to get any type of card. Then I got approved for a platinum secure card. After 8 months I applied for the the unsecured platinum card $200 credit limit thru credit karma and got approved $2000 credit limit. I seen another video saying capital one would upgrade people after 6 months but not me. I plan to keep them both open. Is keeping the secured card a good idea? I only make small purchases no more than 20$. And can I upgrade the secured card to an unsecured credit card with cash back/reward options? Like the quicksilver ? (If it’s better)
😂😂😂 my capital one is a 300$ limit my lowest limit card, only pulled from 1 bureau 😂 was kinda upset because i just got approved for 8k with discover it and a week later I applied for capital one and boom 300$ didn’t realize its also a yearly fee
had a capone cc for decades, never a problem… always offered a higher credit line… no need
Would my credit score go down if I cancel my capital card?
3 or 4 points hit with a credit check? It seems more like 20 -30 points for me. They do not miss a penny.
39$ theres no fee for the quick silver card
Would be nice if the credit companies tell you what bureau they pull from.