Capital One "Fine Tuning Your Account"

Has anyone received this email before? I received this email the other day, with next month being the 1 year mark for both of my accounts. Is this them suggesting that I may be getting a CLI in the near future? What's interesting is both of my cards have had rewards for about 6 months or so now... Re: Account ending in XXXX Broke Triathlete, Now that you’ve got your card with new rewards, it’s a good time to make sure all your account info is up to date. Having your current income and employment info helps us review and service your account better, including seeing if you may be eligible for a credit line increase. Updating your account info is easy. Just sign in to your account, and click on the My Info tab. And, if you haven’t already, sign up for automatic payments. It’s the easiest way to help make sure your payments don’t miss a beat.

Broke_Triathlete wrote:
Has anyone received this email before? I received this email the other day, with next month being the 1 year mark for both of my accounts. Is this them suggesting that I may be getting a CLI in the near future? What's interesting is both of my cards have had rewards for about 6 months or so now... Re: Account ending in XXXX Broke Triathlete, Now that you’ve got your card with new rewards, it’s a good time to make sure all your account info is up to date. Having your current income and employment info helps us review and service your account better, including seeing if you may be eligible for a credit line increase. Updating your account info is easy. Just sign in to your account, and click on the My Info tab. And, if you haven’t already, sign up for automatic payments. It’s the easiest way to help make sure your payments don’t miss a beat.My Citi card has me update my income each year. It says it is because of federal law. I don't know if it's true or not, but I go ahead and do it. Two out of the three times I got a CLI after the following statement.

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Rebuilding help- need tips for Capital One Accounts

Hi- Thank you all for all the wonderful information, you make rebuilding seem so easy and attainable! I never realized all the different versions of scoring, how to do debt validation, get errors removed from my report and where to focus my attention. Just 2 months ago my scores ranged between 556-580, today they range from 600-611 so little improvement over the last couple months. Here is the situation I am in. I have 3 capital one cards, 2 of which are platinums with $500 limits and 1 is the old Orchard Bank card w/$300 limit. These cards are 6-8 years old. I also have a Fingerhut account w/a $1650 limit, totalling $2950 in credit of which $640 is in use so utilization should be about 22% (making a little more headway on this util each month). I have been 100% ontime w/Fingerhut for the last 2 years. 100% on time w/my auto loan for the last 36 months and almost always on time w/Capital one except for 3 months Sept-Nov in 2014 where I went over my balances and accrued over limit charges that brought my minimum payments up. Technically I was still on time but the $50 a month per card I was giving them wasn't enough for the min payment. I was in a tight situation at the time, they reported those 3 months as late for all 3 cards. I went years before this paying 100% on time every month but always carrying a high balance so they never increased my limits earlier even though payment history was good. Now that my utilization is down and its been 8 months since the Capital one dings, I applied for CLI's on these cards and received letters denying the increases as they said tehse late payments are too recent. I read that a lot of people have success w/CLI's after about 6 months. I've called twice to see if they would good will any of those late payments, I was shot down immediately the first time, the 2nd time I had a nice woman but she wouldn't budge either, she politely told me she went back and looked at those statements and I was indeed not meeting the minimum payments & the only thing she could do was to mail me hard copies of those statements. I really only have 1 major collection on file thats affecting my score for a little over $1000 w/a CA that I've never heard from via phone or mail yet they are accruing charges each month. It showed up in my file late in 2014 for a card that went delinquent on about 2.5 yrs ago. I haven't decided how to handle this collection just yet, PIF right now is not an option for me so before I figure out how I want to approach this I thought I'd try to make some headway w/Capital one first on my limits andutilization. Does anyone have any recommendations? I've lowered my utilization while still using the cards frequently, just paying down more and paying on time but am getting nowhere on goodwills or CLI's and persistence is not my strong suit. Do you recoomend I wait until I have a full 12 months of on time payments before I try again? I did prequal for the QS card but am afraid if I submit, I'll only get rejected for the same "recent late payments" that they rejected my CLI requests for even though they are going on 9 months old.... Does anyone have luck w/a new Cap 1 card while not having luck w/CLI's? Should I try for another card, Anybody get accepted for Barclays card w/low 600's score? I only have 4 inquiries on my file right now. 1 is old, should drop off next month, the other 3 were recent apps for a rental property, no inquiries from credit cards in 2 yrs. Thanks in advance for any advice!!!

Cam0215 wrote:
Hi- Thank you all for all the wonderful information, you make rebuilding seem so easy and attainable! I never realized all the different versions of scoring, how to do debt validation, get errors removed from my report and where to focus my attention. Just 2 months ago my scores ranged between 556-580, today they range from 600-611 so little improvement over the last couple months. Here is the situation I am in. I have 3 capital one cards, 2 of which are platinums with $500 limits and 1 is the old Orchard Bank card w/$300 limit. These cards are 6-8 years old. I also have a Fingerhut account w/a $1650 limit, totalling $2950 in credit of which $640 is in use so utilization should be about 22% (making a little more headway on this util each month). I have been 100% ontime w/Fingerhut for the last 2 years. 100% on time w/my auto loan for the last 36 months and almost always on time w/Capital one except for 3 months Sept-Nov in 2014 where I went over my balances and accrued over limit charges that brought my minimum payments up. Technically I was still on time but the $50 a month per card I was giving them wasn't enough for the min payment. I was in a tight situation at the time, they reported those 3 months as late for all 3 cards. I went years before this paying 100% on time every month but always carrying a high balance so they never increased my limits earlier even though payment history was good. Now that my utilization is down and its been 8 months since the Capital one dings, I applied for CLI's on these cards and received letters denying the increases as they said tehse late payments are too recent. Once you get nine months out from the last late payment on the account (not just a reported 30, but service charge late) they will allow a CLI if your scores are high enough. I read that a lot of people have success w/CLI's after about 6 months. I've called twice to see if they would good will any of those late payments, I was shot down immediately the first time, the 2nd time I had a nice woman but she wouldn't budge either, she politely told me she went back and looked at those statements and I was indeed not meeting the minimum payments & the only thing she could do was to mail me hard copies of those statements. Yeah, Cap One is pretty strict with their reporting. I really only have 1 major collection on file thats affecting my score for a little over $1000 w/a CA that I've never heard from via phone or mail yet they are accruing charges each month. It showed up in my file late in 2014 for a card that went delinquent on about 2.5 yrs ago. I haven't decided how to handle this collection just yet, PIF right now is not an option for me so before I figure out how I want to approach this I thought I'd try to make some headway w/Capital one first on my limits andutilization. Does anyone have any recommendations? Is the OC also reporting that delinquency? If so are they showing an unpaid balance? With Cap One, they like to see heavy usage, and low reported balances. Keep requesting CLI's online until you get some joy - you just need to get far enough away from those lates. I've lowered my utilization while still using the cards frequently, just paying down more and paying on time but am getting nowhere on goodwills or CLI's and persistence is not my strong suit. Do you recoomend I wait until I have a full 12 months of on time payments before I try again? I did prequal for the QS card but am afraid if I submit, I'll only get rejected for the same "recent late payments" that they rejected my CLI requests for even though they are going on 9 months old.... Keep trying every month - use the online link for it, don't call them. Don't worry about CLI denials, they won't be held against you in any way. JUst keep plugging away and check the denial reasons. I was getting the same thing all last year until Jan when I sarted getting "score reasons", then they tripled my limits in Feb. Does anyone have luck w/a new Cap 1 card while not having luck w/CLI's? Should I try for another card, Anybody get accepted for Barclays card w/low 600's score? I only have 4 inquiries on my file right now. 1 is old, should drop off next month, the other 3 were recent apps for a rental property, no inquiries from credit cards in 2 yrs. Thanks in advance for any advice!!! Right now you would only qualify for the "average credit" level Cap One cards, and they are an auto-deny for having two or more cap one accounts already. (its stated in the disclosures), so do not app for any more Cap One cards until scores are in the high 600's - then app for the "excellent credit" cards. Since you have a long history with the cards, you might try Barclays (I was approved for Barclays with 618 TU score), but wait until your last 30 day late is over 12 months old.You're actually doing fine, just need to move out a bit from those lates that occurred last year. You might also call and get them converted to QS/QS1 reward cards.

Capital One Closed Accounts Question

How long do closed capital one accounts appear on the account summary page when you log into their online tool? I ask because I have 5 capital one cards, 2 of them are now closed, but have been on there for a month.

baller4life wrote:
OmarGB9 wrote:
Indefinitely unless you speak with customer service and ask them to unlink the accounts and delete your profile. You would then have to recreate a profile and relink your active accounts.+1I just recently did this. I had to reset my autopay as well! I was still able to use my same login info though, which was nice. After you complete this only the active cards will show!

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.

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In order to protect your account, we will disable your AppleID due to our concern for the safety and integrity of the AppIe community.
In order to confirm that you are the rightful owner of this account, we recommend that you click here: My Apple ID.
I received this e-mail during the night and wondered if is genuine?

It's a scam to steal your Apple ID and password.
Delete it.

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Hi, first change the passwords on your accounts, next I guess I would send a short note to your list.

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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.

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Microsoft office is installed on two user accounts. One account works fine, the other account keeps getting an error message. Why wont it work on both accounts?

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Received email sayingYour itunes account has been frozen because we are unable to validate your account information. how do i know if its from apple or a scam. my itune is working fine

i have recieved an email saying it is an email from apple saying
his is an automatic message sent by our security system to let you know that you have 48 hours to confirm your account information.
Your itunes account has been frozen because we are unable to validate your account information.
Once you have updated your account records, we will try again to validate your information and your account suspension will be lifted. This will help protect your account in the future. This process does not take more than 3 minutes. To proceed to confirm your account details please click on the link below and follow the instructions.
Click Here To Validate Your Account.
We apologise for any inconvenience caused.
my account is not frozen and i do not know if this is a genuine email. anyone else experienced this
thanks

It's a phishing attempt to get your account id and password, the 'validate' link on that page isn't an Apple website (there are similar phishing attempts regularly posted on here) - you could forward the email to Apple : [email protected]

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can they look up old emails.. text messages..?

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Capital One "Fine Tuning Your Account"

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