Capital one GM card?

I just got approved of it and you can't add it to your Capital one account? Got to make a new one?

fordguy89 wrote:
This is true. Its a different web page very similar layout just geared for the GM cardI wished i Could just add it to my capital one account. The password they do is a max of 10 letters/Numbers which is way to short for me. Also I would guess I dont have an app for it?

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Capital One Secured Cards

Hi all, it's been great reading up and learning so many things on this forum about getting your credit back into shape. My only wish was getting to this forum before making a couple of recent mistakes that I should have known better but you live and learn. So currently I have 2 Capital One secured cards; one is a HSBC Orchard Bank card that transitioned once Cap One bought out their credit card portfolio. My current limit on the Cap One card is $700 (initial limit was $300 until I added $400 to increase the limit late last year) and $300 on the converted Orchard Bank card. The last time I had a late payment on both accounts was back in October of last year. Since then I've made my payments on time and always more than the minimum. I know from reading in this forum these cards don't graduate and although Cap One offers the account combination link when I sign in, I think I saw someone state it doesn't work with secured cards. For the heck of it I did request a credit limit increase on both accounts and one letter I received stated that I can't initiate credit limit increases on secured cards and the other letter said one or more of my accounts was recently 60 days past due. I also spoke to a rep and asked how many Cap One cards I can have (including branded) I believe she said 5 but when I did the prequal and the Platinum came up I applied for it and then got a letter stating that I couldn't have more than 2 cards. For the Cap One veterans am I just stuck with these 2 cards with no hope of getting a larger credit line (I know there is a cap to it) or getting an unsecured card? I was figuring maybe if I closed out one of them then maybe I can reapply for an unsecured card? Thanks for your time.

mtzion30 wrote:
That is a great question core; speaking for myself I would say it's just my inexperience. By no means do I want every Capital One card they have, I was just trying to figure out what to do with these two cards and maybe at least get one unsecured card from them.Keep going to the well, keep getting the same poisoned water. That's what we say in Texas. I understand, it's kind of a security thing. Well if I were you I'd bust out and apply for something _other_ than Capital One. If a mortgage writer looks at your file and sees 3 Cap One accounts and nothing else, what's he going to think? He might think you're mentally ill and decline the mortgage. I think 3 Cap One accounts is grounds for state-funded looney farm in some states. You want a "travel" card, there you go. I don't know anything about your credit profile, but if you're still in the secured market you might want to check out this helpful list: Get one that will unsecure and grow with you. But really, FICO doesn't know about secured cards so it doesn't affect your score anyway. It's a card like any other. And some are SP. I'll take one of those SPs anyday over a triple HP and raised eyebrows from the mortgage lender from having 3 Cap One accounts and nothing else.

Capital one Mailing cards, should i be worried?

So, myself and my 2 roommates had all applied to capital one cards on the same day (mine was actually 1 day earlier). and we all received the YOUR CARD HAS SHIPPED email at exactly 3:45am at the same time. The thing thats kinda weirding me out though? Only 1 came in for one of the roommate (he was approved for 2), got both shipped emails at the same time. His other one and mine, as well as my other roomates have not come in. Im just slightly worried that maybe they got jacked out of the mail. Anyone have this happen to them before?

Brachra2055 wrote:
So, myself and my 2 roommates had all applied to capital one cards on the same day (mine was actually 1 day earlier). and we all received the YOUR CARD HAS SHIPPED email at exactly 3:45am at the same time. The thing thats kinda weirding me out though? Only 1 came in for one of the roommate (he was approved for 2), got both shipped emails at the same time. His other one and mine, as well as my other roomates have not come in. Im just slightly worried that maybe they got jacked out of the mail. Anyone have this happen to them before?I wouldn't worry. Whether they were actually shipped out at the same time is questionable and even if they were the handling and delivery of mail is anything but an exact science. The other cards will show up on Mondau or Tuesday.

Capital One Secured Card Changing

I just had a long conversation with a Capital One CSR. I originally called to ask about the Credit Steps program on my new QS1 ($1k CL) and then asked about my existing Secured card ($99 dep for $300 Dec'14 -> $200 deposit -> $500 deposit -> $300 CLI = $1,300 CL). Anyway, he told me that the Secured Card is going to be changing in the next couple of months. You will no longer be able to make deposits to increase your CL. Capital One will be determining CL's and increasing them where they see fit. This is important to those who are gradually increasing their limits. I have no plans to increase mine any more now that I was approved for the QS1. After 5 on-time payments, he said they will be increasing that by $500 (though I've heard people are getting larger CLIs). Once I am able to convert from QS1 to QS, I will probably close my Secured.

You might want to hold off on that. I read that C1 will be able to combine limits, so you might be able to transfer the unsecured portion of your secured card to your other C1 card.

Capital one credit cards ....

How many Capital One cards can I have at once? Currently I have a secured card and a quicksilver card. I qualify for a platinum one too. I want to have atleast 5 total cards before I garden for a while. Thanks

jace8602 wrote:
Some say that up to 5, personally I have 3. I would advise that you garden now for at least 6 months. Let the accounts age and your score go up before applying for anything else.+1 Even though you're prequalified now, if you garden for a bit you'll most likely get a better APR and possibly a better SL as well.

How Long does it take for a capital one unsecured card to arrive after approval?

Hello everybody im new to this forum I was Approved for a capital one cc July 1st with a $20k cl. Receive approval letter through the mail on the 7th & a e-mail on the 8th stating the approval.... haven't heard anything else since no update since any experience anybody?
Thank you

dballj14 wrote:
Thanks im definitely being impatient but im leaving for vacation the 17th would be nice to have it 7-10 days seem brutal haven't even got a email saying it was shipped yetI have 5 cards with them. One on the way. The e-mails to say they are shipped are hit and miss. Sometimes they send them and sometimes they don't.

Capital One Venture Card approval proccess

So I helped my wife apply for the Cap One Venture card with the 40k bonus offer. The screen shot stated "You are approved" you will receive your card in 7-10 days but did not give any other info such as CL etc. When I applied for that same card I was immediately notified that I was approved and my liimit was 20k. I contacted the 800 number and the recording said that the application was under review. I assume that is under review in regards to determining the initial CL and APR? Any thoughts, experiences with applying for this card.

Congrats on both approvals! In my wallet: Capital One (secured) 1917; Quicksilver 5000; Venture 15,000; Barclay Apple Rewards 2000; CareCredit 3300; Bank of America Platinum Visa 2000; Bank of America Travel Rewards 3500; Bank of America Travel Rewards 3500; Amazon Store Card 5000; Discover 10,000. Total Credit: 51,217.
6/19-FICO: EQ - 782; TU - 769; EX - 681; GOAL: 780 across the board. Gardening until further notice.

Capital One 3+ Cards Average Credit

Just a data point for those who may be interested. Have had a Quicksilver One and a secured MC for about 4 months. I have been hitting the pre-qual site monthly and no joy for what I wanted (Venture), though another QS1 and their regular "plat" always came up on the pre-qual. Applied for the VentureOne tonight anyway, and no joy, but quickly applied for the $0 AF Platinum and was approved for $1000. So that is 3 "average" credit cards from CP1, even though their terms do say only 2 allowed. I promptly closed my secured account (hello $100 back!).

They consider the Visa QS "prime". I had (at the time of my application) a secured MC, and a QS1 MC (which they consider both to be sub-prime/average credit). On their terms they say you can't have 2 or more accounts for a platinum, but I was approved anyway, so their "terms' might not be as hard and fast as they say. I did close my secured within the hour of getting the platinum, so maybe they would have recinded the approval if I hadn't but .... I'm not ... thrilled ... about having multiple CC accounts with the same bank (I think it is wise to diversify) but ... the fact that I am getting unsecured CC's with decent limits hopefully means I am on the right track.

Capital One Platinum Card...Should I apply for a Quicksilver next month also?

Have you tried the Cap1 pre-qual site?
https://findmycard.capitalone.com/en/PageVersions/LandingPages/LP_UNS_QUICK_RWD_V01.aspx

If it says, "XXXX, we couldn't match your records to a card offer. But based on your answers, we think you might like this card." - - I would NOT app.
If it gives you a preapproval on the Cap1 Quicksilver, I'd try it depending on the rest of your profile. I opened the Platinum as a secured $200 card in January. I PIF'd every month and in June I checked the preapproval site and it prepaproved be for the Quicksilver. I applied and got $1,000 unsecured. I ran some charges and paid them right away and they gave me a $300 unsecured CLI on the Platinum card just a couple weeks later.
I really like the QS card so far because of the cashback.

Capital One Increase, it will come

I applied for a Capital One secured card about 5 years ago and with a $300.00 deposit and over the course of the years I ended up with a credit limit of $1000.00. Upon reading several articles and several forums I took a chance and applied for the C1 QuickSilver One card and was approved for $300.00 which was low but it was my first unsecured Credit Card in a very long time. I remembered reading on the forums to immediately apply for another C1 card so i did and was approved for a Capital One Platinum card for $300.00 and was in the Step program with both cards. I use both cards all the time and paid them off but not every month. In 5 months, my QuickSilver One CLI went was a $1000.00 but my Platinum only went up to $500.00 and I wasn't happy but i was grateful and this was in January. I kept requesting an increase on the Platinum but wasn't getting a CLI. I got online today and hit the credit increase button and to my surprise, I got a $2000.00 CLI on the QuickSilver One which gave me credit limit of $3300.00 and I immediately requested a CLI on the Platinum card and I got a $1000.00 CLI to give me a credit limit of $1500.00 All i can say is be persistent and don't give up, it will soon payoff. My scores are between 620-650 so I can't wait to see how this will bump up my credit scores.

Congrats OP!
As to a low limit QS, i was approved for a Quicksilver Visa last year for $500, no af, and it was in credit steps. 100% not the one. I mean the card doesnt say "one" and the pre-approval letter I received to apply didnt either. It did say minimum $3000 cl, but whatcha know, lucky me got 500. I believe ive read elsewhere here of other QS (not ones) with small cl. Maybe they have some sort of internal low level QS or something...

CitiBank Credit Card Nightmare - Please go back to Capital One

I am ready to cancel my best buy credit card. On December 27, 2013, there was fraud on my account (I believe from the Target breach from black friday sales). Anyways, there was fraud and my card was canceled. However, I didn't find this out until 3 days later when my card wouldn't work anywhere between the 27th and 30th. My card was canceled and I never received a text message, email, phone call, or letter. NOTHING. I wouldn't know unless I called to find out what was going on. I asked if this was normal and they said yes - no communication.
Once I called them, they said they would issue me a new card (this wasn't automatically done). They could not expedite it. I did have to confirm everything that was fraudulent on the card. Fortunately there was only 1 charge that posted and all other attempts were blocked. Still, that one fraudulent charge has not been removed. I have called multiple times and told different things about when that charge would be removed. Now I'm told to wait 6 weeks for it to be removed. That's six weeks from today, not from when the charge appeared.
Before the card was canceled, I scheduled an online payment for the due date. I called them to confirm that the payment would still go through even though a new card was issued and I couldn't access all of my online account. They told me not to worry, it will post. The day after my due date I get an email saying my payment couldn't be processed and now I'm past due (with a late fee). I called and made a new payment over the phone and was told due to their error, the late fee would be waived and I wouldn't see it in a couple days. 5 days later I finally get my new card in the mail, re-register my account online, and low and behold, the fee is there. I call back and was told that the late fee removal was never processed. I was told to wait 6 more weeks for the fraudulent charge to be removed (even though the charge took place in california, and I have account activity to prove I was in NY state at the same time, and they agreed). They now say they will process the late fee reversal, but to wait 2 billing cycles. As far as I'm concerned, that charge is them stealing from me because I should never have been charged that in the first place.
This experience with citibank is disgusting. I have never had this kind of trouble with any credit card. I have had fraud on my accounts in the past, and every time Capital One has been awesome to work with - they pick up fraud faster and better, they email/text/call you right away, and they have done what they say they will. Sure, others may have different experiences, but when every single citi agent has let me down and most have lied to me, I'm very angry with them. This is the last year I have elite membership with best buy. If this isn't fixed in a week, the account is getting closed. Are others having nightmares with Citibank?

Hello darkprime,
Finding out that your credit card may have been used by someone other than yourself is a very scary thing. It sounds like Citibank has tried to keep your account safe by immediately cancelling your card, but I can understand your concern at not receiving a notification from them as soon as this occurred. I’m very sorry to read of how difficult it has been to resolve the various issues resulting from having your card cancelled.
As you’re probably aware, while Citibank is a valued partner, they are a completely separate company from Best Buy. Due to this, we do not have direct access to or influence over their accounts or policies. However, we truly appreciate your loyalty as an Elite Plus customer, and I would be happy to reach out to them on your behalf to look into this right away. Using the e-mail you registered on the forum, I was able to locate your information, and as soon as I have more details, I will be sending you a private message. To read your private messages, please make sure you are logged into the forum, and click on the envelope icon in the top right corner.
Thank you for posting here on the forum, and I will be in contact as soon as possible.
Maria|Social Media Specialist | Best Buy® Corporate
Private Message

Justice Credit Card-Capital One

I'm in the process of closing this card. Will make payment at the end of the month and have a zero balance and close it. When it switched over to Capital One last month, pushed the luv button to see if I could get a CLI. Was told to contact number listed in email sent. Called number. Spoke with CSR who stated that initiating request could possibly result in hard pull. I have a Kohl's card, which is Cap 1 too, and told the same thing, but never has resulted in HP. Well this time it did. Was given a HP on EQ and did not get the increase. Sent email to EO office about how ridiculous it is to get an HP on a store card. Spoke with someone from the office who said that could she not remove the HP, but could initiate a manual review for a CLI. Told her why would I want that when it wasn't as if I was getting a bank card. Discussed how this could discourage people from getting the card. Just letting the forum know that this change over from Comenity is not turning out to be positive.

Yes. It has the option on the website to request a CLI, so I pushed the button, and got a response that they would send a reply by email. Then I got an email saying I needed to call in and from there it went downhill. It is ridiculous because it' not like it's Nordstrom's or Neiman Marcus. It's Justice for goodness sakes. Kohl's does SP for CLI and it is Capital One, but not this card. Anyway, it will be paid off and I'll be done with it.

I can't access capital one website credit card, firefox 5.0 is not compatible

''locking - duplicate - https://support.mozilla.com/en-US/questions/845687''
I try to access capital one website, credit card site and is not compatible with firefox 5.0'''bold text'''

If you think it might be your Firefox version, you might be able to run 3.5.19. Certainly that would be more secure than 3.0.11.
ftp://ftp.mozilla.org/pub/mozilla.org/firefox/releases/3.5.19/mac/en-US/
I recommend backing up your Firefox settings first in case something goes wrong. See [https://support.mozilla.com/en-US/kb/Backing+up+your+information Backing up your information]. (You can copy your entire Firefox profile folder somewhere outside of the Mozilla folder.)

My experience with Credit Line Increase at Capital One

Just thought i'd share my experience (and contribute for the forum) to help those who seek to increase their credit line. This is just my experience but it seems to work. A month ago i applied for and got two new credit cards after 16 years of NO credit card useage and not so good credit. I made sure to pay off all debts including student loans and colections accounts prior to applying. First credit card was a Credit One card with a $300 limit. I have since cancelled them since the low limit did nothing for me. I also got a Capital One Quiksilver One with a $3000 limit. During the month of owning this card i: -Charge EVERYTHING on my credit card. Made very frequent charges. I charged everything from a $1 coke at the vending machine to my $2700 rent. Credit card companies have high charges for merchants, this is one of the main ways they make money. They will love you if you pay everything with their credit card so long you make your payments in full.-Once you run your balance up as high as your comfortable doing, make a payment even if it's not month end. Do not go exactly to or over your credit limit!-Make frequent payments. I made 4 or 5 payments within my first month of having my new credit card. $2700 charge, payment posted. $400 in random charges, payment posted. $250 in random charges, payment posted. Within 3 weeks of me owning my Capital One Quicksilver One, they tripled my credit line from $3000 to $9000. Whoohoo! That's all. Enjoy your credit card in good health and with good creditworthness.

slipper wrote:
Just thought i'd share my experience (and contribute for the forum) to help those who seek to increase their credit line. This is just my experience but it seems to work. A month ago i applied for and got two new credit cards after 16 years of NO credit card useage and not so good credit. I made sure to pay off all debts including student loans and colections accounts prior to applying. First credit card was a Credit One card with a $300 limit. I have since cancelled them since the low limit did nothing for me. I also got a Capital One Quiksilver One with a $3000 limit. During the month of owning this card i: -Charge EVERYTHING on my credit card. Made very frequent charges. I charged everything from a $1 coke at the vending machine to my $2700 rent. Credit card companies have high charges for merchants, this is one of the main ways they make money. They will love you if you pay everything with their credit card so long you make your payments in full.-Once you run your balance up as high as your comfortable doing, make a payment even if it's not month end. Do not go exactly to or over your credit limit!-Make frequent payments. I made 4 or 5 payments within my first month of having my new credit card. $2700 charge, payment posted. $400 in random charges, payment posted. $250 in random charges, payment posted. Within 3 weeks of me owning my Capital One Quicksilver One, they tripled my credit line from $3000 to $9000. Whoohoo! That's all. Enjoy your credit card in good health and with good creditworthness. This is exactly what i'm doing (minus the rent part!) I hope this works for me too! Thanks so much for sharing!

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 GM card?

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