How Accurate is Capital One's Credit Tracker?
Thanks to everybody here at the forums, I just discovered Cap1's LUV button. Requested for both of my cards and received a 3k increase on my Quicksilver and 1K increase on my Journey. An hour later I noticed that my score on the Credit Tracker increased by 9 points! Does anybody know if the Credit Tracker really reflects TU's FICO score?
For several years the only credit score I had available was the Capital One Credit Tracker using TransUnion scores. While I agree that (a) it's not used by any lenders, (b) it's not as valuable as knowing one's FICO scores, (c) it's usually lower than my FICO scores, and (d) it's only updated once a month, let me say in its defense: -it's pretty similar to the FICO scores in terms of its various calculations-it's pretty informative and gives you a pretty clear picture of where you stand-it's probably more consistent and less volatile than the FICO scores I'm the type of person who likes to see as many different scoring versions as possible,but I wouldn't disparage the Credit Tracker. For my money, it's just as good as any of theothers, and in some ways better.
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''locking - duplicate - https://support.mozilla.com/en-US/questions/845687''
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happygivertoyou wrote:
Thanks for everyones help and advise. If I can help in any way, let me know. I always read these forums and applied your notes. On that note, do you think I should close out my Credit One account 1.7K, as well as my Citi and Capital One Bank account's with lower balances? This should bring my average credit card limits above $10K on average. I do not use those cards at all, and have no benefits. close creditone and make them send you a letter stating your account is PIF and has a 0 balance - best way to ensure no surprises. I actually called them back before 30 days to make sure no pop up balance came up so they wouldn't report a late charge. -
Bank of America pre-qualify site...how accurate?
Anybody with any insight on how accurate the Ban of America Credit Card pre-qualify website is?
sapingo wrote:
ouch Divadivine25 wrote:
Applied today after being pre qualified and was denied. They did however approve for me a secured card...no thanks. no offence to divadivine25 but your scores are in line with a secured card. A lot of people really like BOA's secured card. That being said i think BOA offers way to many secured cards to people. -
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 -
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! -
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I was downloading $15 worth of iTunes songs from a gift card when my iPod died. Now, no credit & no songs on my iPod. Where did either my $$ go or my songs that I paid for disappear? How do I get one or the other? I have 2 of the same iPod's and logged onto both with the same as well as different apple ID's and passwords to each respective iPod and the completion of my downloaded songs has disappeared into thin air. Where did it go? How do I get the credit too re-download those songs to the correct iPod? Please help me!! [email protected]
What happens when you try to redownload them?
Downloading past purchases from the App Store, iBookstore, and iTunes Store
On a computer go to iTunes>Store>View Account>Sign in and go to purchased history and see if you actually purchased them.
Try redeeming the card again
Contact iTunes
Apple - Support - iTunes - Contact Us -
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.
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My Ipod touch has been stolen. The tracker shows it to be in a front garden of a road nearby. But it is not there. How accurate is the tracker deviceand should I report it to the police please?
The iPod touch does not have GPS, so the location accuracy is greatly reduced. It relies on the known location of nearby WiFi networks. As WiFi networks can extend for 100m or so, the iPod could be anywhere within a 100m radius of whichever WiFi router it is connected to.
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How do I move one or more regions between tracks without introducing any horizontal (i.e. non-sync) movement, please? (GarageBand 3.0.5)
umpteenthian wrote:
I'm not working in measures but in real time
i'd switch to measures while moving the regions, it would make the work much easier.
umpteenthian wrote:
why can I not position the playhead in the centre of the timeline window and zoom in fully WITHOUT the playhead moving out of sight?
https://discussions.apple.com/thread/3329754?tstart=0 -
One of my tracks i.e. Sultans of Swing (Dire Straits) should last for 10.54 minutes but cuts off after 11 seconds, then plays the next track.
How can I re-download the track again to restore it?Delete problem track from library (if it is an iTunes Store purchase and you entitled to redownload past purchases - stop otherwise!)
Close iTunes
Open iTunes
Select iTunes Store in left-hand column
Select Purchased in right-hand column
Select Music and Not on this computer
The track should be listed now with a small cloud symbol which lets you download it.
If you start downloading the track in step 7 then... While downloading select Downloads in the left-hand column and make sure Allow Simultaneous Downloads is unticked. (Should should help improve the reliablility of future downloads made with this build of iTunes.)
If the above hasn't helped then... contact the iTunes Store support staff through the "Report a problem" links in your account history, or via Contact Support.
tt2 -
How do you make one long track into multiple tracks?
How do you make one long track in itunes into multiple tracks? Is there a way to do that?
I found another solution too through Garageband. I don't know if it was easier, but I liked this way of creating seperate tracks.
First, You put the long track into Garageband.
-then you create a New Basic Track under Track Tab-create as many of those as tracks you want to make
-also make sure the headphones button is lit up under each New Basic Track-this allows it to be a 'solo' track.
-then you can start cutting music-with the long strip find where you want to split into a new track and drag that half down into each New Basic Track.
-Once you are done, press Option Z and a purple little triangle will appear up by the measures. drag the triangle to the end of the first track-this allows it when sharing to itunes to just record the particular track you want, it puts a stop/end to that track.
-then, make sure the track you want to share is highlighted the bright orange and go to share, 'send to itunes'
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I am a very visual person, and this helped to see where I was cutting each track, just another way!
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