Filay

29 Contributions 9 People Helped Top Contributor

Member Since: January 2019

Most Helpful Contribution

Capital One® Platinum Credit Card

Jan 31, 2019
Helpful to 2 out of 2 people

Yup! Exact same scenario! No score! Love Cap1 Pre-Approval tool! ........plus I was so off grid my fam joked I was in witness protection! CapOne only "real" company out here giving people a chance to prove we can learn from a mistake or three. I for one am grateful.

Activity (29 Total Contributions)

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Target REDcard™

Oct 04, 2019
Helpful to 2 out of 2 people

The complaining about things we agreed to is ridiculous. The law requires full disclosure of terms. If they are unacceptable.....do not accept or keep the card. Its business...dont make it personal. And its important because when you are trying to get CLI or reduced interest or waived fees.... mature professionalism and polite convo is paramount...being a whiny complainer WILL NOT get you the results ur looking for....period.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Aug 29, 2019
Helpful to 2 out of 2 people

So true.....folks complain so quick bout no cli and how other banks gave them but so many forget Cap One took a chance n gave that starter card when no one else would look in your direction without laughing.

Capital One® Platinum Credit Card

Jan 31, 2019
Helpful to 2 out of 2 people

Yup! Exact same scenario! No score! Love Cap1 Pre-Approval tool! ........plus I was so off grid my fam joked I was in witness protection! CapOne only "real" company out here giving people a chance to prove we can learn from a mistake or three. I for one am grateful.

Target REDcard™

Oct 04, 2019
Helpful to 1 out of 1 people

Your credit history is at least 4 years old and ur making 6 figures.....your score should be higher.....and Target and Cap1 algorithms detect that. Its business.....dont make it or take it personal.🤣

Capital One® QuicksilverOne® Cash Rewards Credit Card

Aug 29, 2019
Helpful to 1 out of 1 people

No doubt.....people can complain about Cap1 all day....doesn't change fact they are the ONLY BIG BANK out here giving people a second chance to have good credit.....or EXCELLENT credit! Educate yourselves and take full advantage!

Capital One® QuicksilverOne® Cash Rewards Credit Card

Aug 29, 2019
Helpful to 1 out of 1 people

Capital One has formulas for everything and THESE folks have no idea what it is. ...... every one has a different situation. Your income....your credit age ....your size of other debts....your type of other debts......your source of income......n on n on......can't call people liars when u ur clueless re: details.

American Express Cash Magnet® Card

Jan 17, 2020

Also the bonuses can be different if u apply thru credit help sites as opposed to thru card companies directly.

American Express Cash Magnet® Card

Jan 17, 2020

It appears they have behind the scenes qualifiers and disqualifications....some here state they were told their credit score disqualified them ....is it possible if your score is high and or relationship history long.....rules change? Probably.

American Express Cash Magnet® Card

Jan 17, 2020

Actually we all need a 10k limit because of the utilization game. If u need a plane ticket that's $900 in order to not have this purchase lower your score AT ALL .......u need a 10k limit to stay below 10% utilization (depending on when its reported n u make a pymnt) n that's with no other purchases or balances or cards in play.

American Express Cash Magnet® Card

Jan 17, 2020

....pretty sure...anyway.

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