Capital One and Kohls

I have been blacklisted from Capital One they do not pull my reports and I have applied multiple time. They were included in my BK for under $300. My question is what do you think my chances for a Kohls card is? If I apply and get approved would that help me with a Capital One approval in the future? Any input would help! Thanks

At some point you will be approved by Capital One. I also included them in my Chapter 13, but I waited five years (I know, a long time) for a secured card. Now I have a Quicksilver and Venture. Were you trying to get a secured card? I don't know about Kohls. In my wallet: Venture 15k; Barclay Ring 12.5k; Discover 10k; PenFed Platinum Rewards Visa 10k; PenFed Promise 10k; CareCredit 7.7k; Amazon Store Card 5k. QS 5k; BA Travel Rewards 3.5k; BA Travel Rewards 3.5k; BA Platinum Visa 2k; Barclay Apple Rewards 2k. Total Credit: 86,200. 7/2-FICO: EQ - 788; TU - 779; EX - 690; Utilization: 10%; GOAL: 780 across the board then 800 across the board. Inquiries: EQ: 7 TU: 6; EX 3; Chapter 13 seven years May, 2015. Reset my garden date to 7/7. Gardening until further notice.

Similar Messages

Capital One and portfolio recovery

hi all I recieved a letter from capital one stating that my charged off cc account was sold to portfolio recovery. Portfolio recovery has not contacted me yet and they havent reported to the cra, so should i make the first move and contact them? Is it possible if i settle the account that they wont report it to the cra?

Jt35 wrote:
hi all I recieved a letter from capital one stating that my charged off cc account was sold to portfolio recovery. Portfolio recovery has not contacted me yet and they havent reported to the cra, so should i make the first move and contact them? Is it possible if i settle the account that they wont report it to the cra? I would make a deal with them to pay in exchange for it not reporting. Reporting collections costs the CA/JDB money and they may not be willing to spend it if its been paid.

Capital one and comenity success

Wow. Been lurking the boards since October 14 . In December I was approved for a capital one secured and put 200. Skip forward to this month . Every now and then I put my info in on capital one card match with no luck until this month where they recommended a platinum card. Approved for 500 dollars! Not long after that I see that my nearly maxed out secured card was bumped up 300 unsecured dollars for a total of 500!! Was not expecting that! Today shopping cart trick worked for buckle and express with 250 limits. Scores in the 595 - 610 range. Finally feel like I'm getting somewhere

CONGRATS on your progress!!!

Capital One Venture Approval and Lowes Approval after verification

Capital One applied July 16th didn't get a decision until July 27 (that's when letter is dated, but I just found out today when it came in the mail). Originally asked me to fax documents, then said documents were too dark and needed to re fax, then EO wanted me to email documents, then I got a denial letter that I couldn't retrieve, reps said it was because they couldn't identify me, theeeeeeeennnnnnnn they said EO never sent them my IDs that I emailed. I have active military ID, drivers license and vet ID from my last deployment. Still weren't good enough. So I was resolved to accept the denial and close my accounts (have investments, and savings with them as well as QS One and secured card). I told EO department this through email. So needless to say, the letter I received today stated I had been approved for 10,000. I previously worked for Capital One and I know that if you have a certain amount of money with them they automatically can recon your account if you ask but I didn't meet that threshold. However, I think they approved me to keep me as a customer. (come on, I used to work there, sent in two IDs, a SS card and randomly a birth certificate and you still deny me due to not being able to identify me lol) Just glad that's over. Bought some appliances for my mom and applied for lowes card. Was hoping to convince the rep to let me use military discount with 5% everyday. after having to call verification team (this again..) I was approved for SL of 2000. I will ask for higher CL tomorrow. So after much stress to prove i'm not jimmy joe from down the street, I did okay LOL.

ImaginaryFriend, I burned them in 2009 and they've approved three cards for me so far this year.

Capital One low CLI, options and questions...

I opened my first credit card in January 2011. It was an Orchard Bank MC that was later sold and converted to a Capital One Platinum MC. A few years later (not sure) it was converted to the QS MC. Since I opened this account I have never missed a payment or had any negatives on my report. I got my last CLI 6 months and a few days ago. Because I have open 6 new credit cards in the past 2-7 months and meeting spend requirements I haven't been using the card much at all. I created a spreadsheet to calulate when I could request another CLI. 180 days after my last. On day 180 I requested one and was declined because of low payments. The card had a ~$500 balance a couple months ago that I paid off so the reason didn't make sense. I figured the reason was lack of recent usage. So for the past few days I have been using the card and requesting daily. Today it finally approved me for $400 to bring my limit to $3900. I was really hoping for at least $1500 so it could be a WMC as I have a VisaSig. The increase and limit bothers me as its my oldest revolving account.
I have the following cards...
1/11 C1 QS $3900
2/13 BoA BBR MC $5000 (BBR can't be WMC they say)
1/15 C1 QS $3500
1/15 Barclay Rewards $1000
2/15 AMEX ED $9000
3/15 Chase Freedom $4500
4/15 Citi DiamPref $1500
5/15 Disc It Secured $500 (really secured but wanted the card, best card I got IMO)
5/15 BoA 123 VisaSig $5000
Also to note...
12/14 Mortgage $59k/$64k (double+ pmts)
4/15 Shared Secured Installment 352/500 (to max mix)
2/15 Victoria Secret 0/500 (big regret)
FICO08 EQ 680 TU 700 EX 698
My question is was it a mistake to accept the low CLI now? Should of just contacted the EO for a manual review? Can I still do that or will I just get the line you got a CLI a day ago and gotta wait? Would they possible let me combine my 2 capital one cards ($3900 and $3500) into one card if they won't give me an addition $1100 increase for a WMC? I've had contact with the EO before and got the number; better to email or just call?
Sorry if this scramble, unorganized, grammar, etc as this is the 3rd time I've written it as the page times out and I lost it.
So to recap my questions...
Does me accepting the low $400 CLI to $3900 today prevent the EO from possibly giving me a higher CLI?
Can you combine your limits on 2 cards into one? Would combine the newer card to the older one to keep my oldest CC open.
Any experiences you had with similar issues.
Thanks in advance for your time and responses.

As I've experience with capital one (capital one platinum) is that they DON'T give out many credit limit increases. I had my crapital one card since '09 and started when I was in rebuilder mode. Flash froward to present day and you can look at my siggy that I've come pretty far. High 700's and major credit cards in my wallet with some in the 10k plus and crapital one only gave me two CLI during my '09 to July 2015 loyalty to them. I felt I was capped at 2k after numerous emails to the EO. Don't sweat capital one and just use them for the history while you get better cards imho

Capital One 5 day hold on payments.

I was using my capital one card like normal running somewhat of high balances and then paying them right off. I always pay on time and I always pay before the statement closing date. However, paying the card off in full before the statement closing date seems to trigger some sort of hold for five days. I'll be calling to get the hold removed as soon as the ACH payment shows up on my bank account.
The reason I always pay in full before the statement closing date is because I don't want Capital One to report a 100% credit utilization for the month to the credit bureaus.
So now you can see how a five day hold would throw a wrench into my plans.
Here's the thing though. Once I scheduled the payment, Capital One's accounts show 0 balance on the card, but a 0 available funds on the card as well, while its in this 5 day hold limbo.
Well, here comes the statement closing date, on a *Monday (see edit). So what the heck is going to be reported to the credit bureaus?
Will it be a 100% credit utilization? Will it be 0% credit utilization?
Either way, it's not good. I would be better off paying a lower amount to see if there was a chance that it would be processed in a timely manner.
However, I can't do that during the 5 day hold. I can only do that once the 5 day hold is over.
If the payment hasn't been processed then I can only assume that they will report a credit utilization percentage of 100 percent. Like I spent.
What do you think? I'll be waiting as the weekend passes. Then, I'll call in on Monday; the day of the statement closing date. I might be able to get the hold released, push the payment through by the end of day. And then I will have a low balance reported to the credit bureaus. I'll have all A's on my credit score. edit: a mistake was made earlier in this post. the statement closing date is actually on a Sunday. So it's too late to try to push a payment through now. It's going to report as it was on that day.
UPDATE: It's Monday. I woke up at 6am and everything worked out perfectly. Capital one was happy to release the funds it took all of 5 minutes, and now I'm back to a card with a full balance.
UPDATE 2: 12:00 PM on Monday, the statement came in. It went just about as perfectly as possible. I'm all set with Capital One and my statement, everything is paid, and it correctly reported to the agency. Under 10% of my limit with full credit availability. I got an A.

motoleo wrote:
^ (Gasp) I can't have that happen to me. I can't have them report a 98% (105% in my case) utilization ratio! It mustn't. I have no other cards. This is my only card. It's just a platinum. The limit was just increased to 500 dollars. I never had any returned payments until they did the 5 day hold. You really don't know where the money is because everything is always pending.Are you waiting until the statement closing date to time your payment, or only few days ahead of statement closing, and making that one payment per month? That's a knife edge you are dealing with. On a $500 card, I'm all for maxing that puppy out and then PIF by the payment due date, but that presumes one stops using the card before the limit. If you are using this as your main spend vehicle, that is fine. You need to pay it more often. When you get to $250, set up an immediate payment on Capital One's site to pull the $250 from your bank account. That will take a few days to clear, meanwhile you continue to charge on the card. When you have charged another $250 of spend on the card, log on and schedule another payment to pull from your bank account. Alternatively, on Saturday, look at what is in your Capital One Open Balance, and schedule a payment to pull from your bank account to pay it on Monday. Let those balances report, whatever they are. You may think a $500 statement balance is a Bad Thing? It is not. Over the course of time, when you show that you can report those kinds of balances and PIF, then you will start to get better cards, to give yourself breathing room. And +1 to the comments that you can't allow these payments to be returned. Ever. When you commit to a payment going to your credit card, you no longer have those funds available in your checking account. As another alternative, open a checking account at Capital One. This will provide the instant payment from your checking to your credit card that you want to see. Good luck!

Capital One Credit Line Consolidation LINK IS BACK UP!!!

Ok so I read last night on another site that combining limits is now available through CSR. So, I called to inquire. NOT YET. This is apparently a big thing currently at Capital One and according to person I spoke to, they are making big preparations for it. They had hoped it would be available by now. But are shooting for the next month or two. But definitely by end of year. You will see it online once it goes live and can do all your combining right there under your account. Pretty freaking awesome. So everybody hold on to all your Cap One cards for now. UPDATE: Currently available online!! 7/8/15 UPDATE: Online link has been removed. Hopefully to fix any bugs. 7/17/15 UPDATE: Link is back up folks!

baller4life wrote:
Ok so I read last night on another site that combining limits is now available through CSR. So, I called to inquire. NOT YET. This is apparently a big thing currently at Capital One and according to person I spoke to, they are making big preparations for it. They had hoped it would be available by now. But are shooting for the next month or two. But definitely by end of year. You will see it online once it goes live and can do all your combining right there under your account. Pretty freaking awesome. So everybody hold on to all your Cap One cards for now. Umm..hmmm..thanks for the confirmation. That's why I advised CC not to close the other two cards last week, hope he didn't! Looking forward to my $31k CL!

Capital One Credit Line Consolidation

Ok so I read last night on another site that combining limits is now available through CSR. So, I called to inquire. NOT YET. This is apparently a big thing currently at Capital One and according to person I spoke to, they are making big preparations for it. They had hoped it would be available by now. But are shooting for the next month or two. But definitely by end of year. You will see it online once it goes live and can do all your combining right there under your account. Pretty freaking awesome. So everybody hold on to all your Cap One cards for now. UPDATE: Currently available online!! 7/8/15 UPDATE: Online link has been removed. Hopefully to fix any bugs.

baller4life wrote:
Ok so I read last night on another site that combining limits is now available through CSR. So, I called to inquire. NOT YET. This is apparently a big thing currently at Capital One and according to person I spoke to, they are making big preparations for it. They had hoped it would be available by now. But are shooting for the next month or two. But definitely by end of year. You will see it online once it goes live and can do all your combining right there under your account. Pretty freaking awesome. So everybody hold on to all your Cap One cards for now. Umm..hmmm..thanks for the confirmation. That's why I advised CC not to close the other two cards last week, hope he didn't! Looking forward to my $31k CL!

Capital One Credit Line Consolidation NOW Available Online!!!

Ok so I read last night on another site that combining limits is now available through CSR. So, I called to inquire. NOT YET. This is apparently a big thing currently at Capital One and according to person I spoke to, they are making big preparations for it. They had hoped it would be available by now. But are shooting for the next month or two. But definitely by end of year. You will see it online once it goes live and can do all your combining right there under your account. Pretty freaking awesome. So everybody hold on to all your Cap One cards for now. UPDATE: Currently available online!!

baller4life wrote:
Ok so I read last night on another site that combining limits is now available through CSR. So, I called to inquire. NOT YET. This is apparently a big thing currently at Capital One and according to person I spoke to, they are making big preparations for it. They had hoped it would be available by now. But are shooting for the next month or two. But definitely by end of year. You will see it online once it goes live and can do all your combining right there under your account. Pretty freaking awesome. So everybody hold on to all your Cap One cards for now. Umm..hmmm..thanks for the confirmation. That's why I advised CC not to close the other two cards last week, hope he didn't! Looking forward to my $31k CL!

Capital One Suddenly Generous with CLIs

A few week back I used the 'luv' button to request a CLI for my QuickSilver One Mastercard (which I will likely close if they don't help out with the annual fee - but that's in a different thread) and was pleasantly surprised when they gave it a $1000 increase - more than 50% of the previous limit. I have a QuickSilver Visa Signature I intend to replace it with that has a SL of $5K. Just a few days ago, the 4th statement was generated so I figured what the heck, let's hit the button and see what happens on the Visa, not expecting much especially since I had such good luck just a few days ago with the other card. I was immediately offered a $2K increase, making the new CL $7K I know there's been reports of folks getting Venture cards with nice SLs, but this post is regarding CLIs on existing accounts. My poor MasterCard with them struggled for years to even get a $200 increase, much less an increase in the thousands. Are they finally realizing they have been leaving money on the table by forcing customers to other banks, or do you think this is just a 'fluke'? I'm not one to question good luck, but I figure I'm among friends here, so I'm reaching out to see what you think.

Littlewing745 wrote:
UncleB wrote:
Littlewing745 wrote:
UncleB wrote:
A few week back I used the 'luv' button to request a CLI for my QuickSilver One Mastercard (which I will likely close if they don't help out with the annual fee - but that's in a different thread) and was pleasantly surprised when they gave it a $1000 increase - more than 50% of the previous limit. I have a QuickSilver Visa Signature I intend to replace it with that has a SL of $5K. Just a few days ago, the 4th statement was generated so I figured what the heck, let's hit the button and see what happens on the Visa, not expecting much especially since I had such good luck just a few days ago with the other card. I was immediately offered a $2K increase, making the new CL $7K I know there's been reports of folks getting Venture cards with nice SLs, but this post is regarding CLIs on existing accounts. My poor MasterCard with them struggled for years to even get a $200 increase, much less an increase in the thousands. Are they finally realizing they have been leaving money on the table by forcing customers to other banks, or do you think this is just a 'fluke'? I'm not one to question good luck, but I figure I'm among friends here, so I'm reaching out to see what you think. I'm curious to hear what others think as well. I have a Cap One QS1, and I have been absolutely battling them for an adult level of credit for months. It started at $300 in July 2014 - I was subprime, for sure - and completed credit steps. I had used just about the full $300 and PIF every month. Got a measely $200 increase to $500 in January, but i didn't complain. Few months later, I tried an CLI, denied. Was told there had been a change in the account. Of course, they were referring to the $200 increase. So, I let it go, and apped for other cards. Well...no one gave me a limit under $1500, and that was Discover (who is conservative, anyways). My next lowest was $3500. Ringed back Capital One and, long story short, had to escalate all the way to the EO to get the card *up to* $1,000. So basically, because Cap One is being stingy, they are still viewing me - and lending credit to me - as if I'm subprime. Wee bit irritating. I had explained to them that though the QS1 gave me 1.5% cash back, the annual fee and $1000 limit hampered use for me; my NFCU cashRewards is the same reward structure, but with no annual fee, an $8,000 limit and even a lower interest rate. No dice. Heck, even my Merrick Bank still has a higher limit. Embarrassing. I'm planning to hammer my QS1 with charges for 2-3 more months - paying down a couple times a month - and see if they get the message. If I can't get a bump after that, it's definitely a candidate for closure, since it's only 1 year old.Littlewing, have you checked out the pre-qualification site yet to see what they show you good for? I was equally disgusted four months ago due to dealing with the same type stuff you describe (before these latest CLIs, my last one was for only $200). I'm with you, it seems easier to just re-app for another card, in my case it was another QuickSilver (but the Visa Sig instead) with no annual fee and a starting line more than double the credit line on the old account, which has taken me eight years to even get as high as it is now. (This much is certainly well-documented) See what they show you pre-qual'd for, and if you like what you see it might be worth your sanity to bite the bullet and take the HPs just to be done with it. For me, "protecting" my report from HPs is not worth as much as the piece of mind I have now knowing I don't have to call and "beg" each year for them to throw me a bone for the annual fee on the new account, and if I choose to do so for the old QS1 MasterCard it's not because I have to. Many folks don't mind sending email to CEOs, waiting for call-backs that may or may not come, or calling a list of backdoor numbers, but I think I've decided I've grown tired of feeling likeI am always begging them to do business with me, either by waiving an AF or giving me a (until recently) $200 increase. Ironically, going by their willingness to approve the QS Visa a few months back, it seems it's not me they have an issue with but strangely it's the account itself. It's too bad they don't realize it's the same person behind *both* accounts, but they don't... we're just numbers. If the nice CLIs on the QS1 Mastercard had come a little earlier, this could have been a very different conversation.Yeah, I'm very seriously considering that. I try to time my apps so that everything in on a June/July and December/January cycle for increases. SO...I may be getting myself a Christmas Venture One app, haha.LOL... I like that plan. Here's an idea; even if you aren't ready to actually app for a new account, the pre-qual site will at least tell you which cards you are good for and what the interest rate will be. That's actually what pushed me into 'taking the plunge'; once I saw that I wouldn't get the highest rate as I had feared would be the case (they gave me a not-great-but-not-horrible 17.9%) it made me pull the trigger. As a side-note, the interest rate offered on the pre-qual was spot-on with what I was actually given on my new account. If the rate is higher than you would like, or you don't get offered that Venture, you can always try back later. Or if you get pre-qual'd for a fantastic rate, you can still wait and know you have something to look forward to. Even more importantly, you'll know that all the calling and emailing for the account you presently have is because you want to, not because you are forced to... Whatever you decide, you have to do what's right for your situation and your personal plan.

For month I cannot connect to the Capital One online account services

Whenever I try to connect to the online services of Capital One in the uk, I get a note "We're sorry, Online Account Services is currently unavailable. I called Capital One and was told: now problem just use the Internet Explorer. But I prefer the Firefox. What can I do.

I assume you have looked at their site:
http://www.capitalone.com/about/browser-support/
Esp empty your cashe.

HELP! Capital One not reporting correctly

Hello everyone,I filed my case BK 7 on 05/15/2015, had my 341 meeting, and am now patiently awaiting my discharge to arrive in the mail. I've been monitoring my credit report via CreditKarma and have been noticing most of my accounts being updated as, IIB, and closed with zero balances. Capital One, however, is not showing "included in bankruptcy." The balance was updated to $0, but the payment status shows, "Collection/Charge Off." I called Capital One and they told me they sold the account to a collection agency and there was nothing they could do to report the account as IIB. They said that when they had the account, they could have reported it correctly, but since they sold the account, they only report information from when they owned the account. They gave me the new account owner and told me this is who I should contact. I understand what the rep is saying, but I can't believe that this account can not be updated to report as IIB. Will this account continue to report on my CR as a charge off? Has anyone else run into this issue? Please help! I am trying to get my reports as cleaned up as possible before my discharge. Thank you in advance for your repies!

0REDSOX7 wrote:
It is valid because they sold the debt to a collection agency prior to your filing. They do not own it anymore. So they report it as Collections/Charge Off. If/When the new creditor decides to report it to your credit report, it will have to say zero balance, and IIB. And yes, the CA will be able to report it even if it was discharged (so long as reporting is accurate) as it was sold/transferred prior to your filing.With all do respect I disagree wholeheartedly with this. Yes, creditors can and do report accts previously sold/charged off prior to filing, as such. However I do not feel that it has to end this way. My recent experience with getting an original creditor (Credit One) to report as iib/0/closed, is a testament to this. Basically, I had 2 creditors reporting to Equifax that my CH7 discharged accounts were 'sold/transferred/charged off'. Naturally, like the OP, I was concerned and didn't think this was right. So, I filed an initial online dispute with Equifax, against the entries for both creditors. Ultimately Equifax found in favor of the creditors, stating that they were reporting correctly. I was LIVID! After that, I filed a second dispute, this time via certified mail and providing copies of my Schedule F inclusion of both creditors, as well as a copy of my discharge order. Similarly, Equifax again found in favor of the creditors and refused to adjust the entries. Here is where it gets better and where I hope it gives you something to look forward to: I gathered all of my documentation up and called Equifax on the phone. My initial motive for placing the call to Equifax was to get an answer to one simple question: "How could anything that the original creditors report to you, supersede documents from a discharged US Bankruptcy order?' I spoke to a halfbrained CSR at first and asked exactly that question. After haggling a bit, his ultimate answer was that he couldn't disclose any information to me on what response was given from the original creditors. This is a clear violation of law. The CB's must provide to anyone who disputes a credit entry, the exact data included in the response from the creditor. Hearing "I cannot disclose" from this CSR sent me into stratospheric anger. I asked to speak to a supervisor. The call took a better turn. After reviewing my schedule F inclusion of the creditors and the discharge papers, the Equifax supervisor agreed that the creditors were reporting unfairly and inaccurately. The supervisor has the 'Specialty Department' make the two entries for these creditors immediately update to 'iib/0/closed'. All is well with that aspect of my story. My point is, don't lie down and just give up OP. Just because the original creditor doesnt' have to play ball, doesn't mean you can't get it reported the way you need it to. Be persistent. Gather your papers and call them. Don't lay down and accept it.

I have an IPone 4, there is an add video for Capital one that keeps coming up on its own... ive deleted my history and cookies and this video keeps taking over my phone. how do i get rid of it? the video is of a man with a puppet and the puppet is singing

i have an IPone 4, there is an add video for Capital one that keeps coming up on its own... ive deleted my history and cookies and this video keeps taking over my phone. how do i get rid of it? the video is of a man with a puppet and the puppet is singing a song while he is checking his phone. how do i get rid of it????

If it happens again the make sure that you aren't suppressing website colors.
Make sure that you allow pages to choose their colors and that you haven't enabled High Contrast in the Accessibility settings.
*Tools > Options > Content : Fonts & Colors > Colors : [X] "Allow pages to choose their own colors, instead of my selections above"
*https://support.mozilla.org/kb/Options+window+-+Content+panel
*http://kb.mozillazine.org/Website_colors_are_wrong
*http://kb.mozillazine.org/Websites_look_wrong

Capital One VentureOne Approval and QS CLI

Hey folks, So today marks my 4th months since opening my Quicksilver card so I decicded what the heck and went ahead and hit the CLi button wasnt expecting anything seeing on how discover keeps denying me CLI's but to my surpise i got a $1k increase. Bringning me up to $4,000! That was my highest limit card for a total of 6 hours. I got greedy and I decided to check Capital One's preaproval site and I saw I was Pre-qualified for a venture and venture one. Applied for the VentureOne cause I wouldn't spend enough to justify the annual fee on the venture. And bam approved for $5,000. Also, to top it off, its my first Visa Signature! Think I finally broke the $5,000 glass ceiling for me.

alexandermodern wrote:
Hey folks, So today marks my 4th months since opening my Quicksilver card so I decicded what the heck and went ahead and hit the CLi button wasnt expecting anything seeing on how discover keeps denying me CLI's but to my surpise i got a $1k increase. Bringning me up to $4,000! That was my highest limit card for a total of 6 hours. I got greedy and I decided to check Capital One's preaproval site and I saw I was Pre-qualified for a venture and venture one. Applied for the VentureOne cause I wouldn't spend enough to justify the annual fee on the venture. And bam approved for $5,000. Also, to top it off, its my first Visa Signature! Think I finally broke the $5,000 glass ceiling for me. Congrats!

Capital One to offer account and CL combining.

Just talked to a representative with Capital One. I inquired about combining my two accounts into one, was told that it's not currently available, but the plans are laid out, and are waiting for approval, she estimated within the next month or two Capital One customers will recieve letters informing them of the new options.

Echoside wrote:
Just talked to a representative with Capital One. I inquired about combining my two accounts into one, was told that it's not currently available, but the plans are laid out, and are waiting for approval, she estimated within the next month or two Capital One customers will recieve letters informing them of the new options.Sounds great! That's one of the things that struck me as odd about them but it seems like they're really trying to catch up and compete with the other big boys now.

Capital One and Kohls

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