Roadrage90

20 Contributions 135 People Helped Top Contributor

Member Since: September 2013

Most Helpful Contribution

NASCAR® Credit Card from Credit One Bank®

Dec 04, 2019
TERRIBLE COMPANY
Helpful to 104 out of 106 people

High annual fees. Charges interest on posting date, paying bill on time every month does not prevent interest. Predatory. Will add random fees to close, will come at hard for payment. Call everyone and anyone, work, family, will garnish wages asap if you don't pay their ridiculous fees. Most AWFULLLLL customer service. I don't think they know what that means.

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NASCAR® Credit Card from Credit One Bank®

Dec 04, 2019
TERRIBLE COMPANY
Helpful to 104 out of 106 people

High annual fees. Charges interest on posting date, paying bill on time every month does not prevent interest. Predatory. Will add random fees to close, will come at hard for payment. Call everyone and anyone, work, family, will garnish wages asap if you don't pay their ridiculous fees. Most AWFULLLLL customer service. I don't think they know what that means.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Nov 25, 2015
Helpful to 9 out of 9 people

I really like capital one. I had CCs with them when I was 18 and ruined my credit. We settled in 2012 and I was approved in 2013 with a credit score of something like 503 maybe. I started w a $300 credit limit. After 6 months I got a raise to $500 and I applied for another card and got a $500 limit on that also. Now, 2 years from the start of building my credit I am up almost 200 pts. And my limits are $1200 and $800. The customer service I awesome in my exp. They have settled any issue quickly and satisfactory. You can also rent a car on the card and they cover the instructions at no extra cost. The interst is high!! But pay it timely keep a low balance. Great for building credit.

how do I establish credit or credit cards after a bankruptcy

Feb 14, 2019
Helpful to 5 out of 5 people

I got denied for capital one secured card!! I was like WWHHHAATTTT????

Capital One® QuicksilverOne® Cash Rewards Credit Card

Nov 25, 2015
Helpful to 3 out of 3 people

That's crazy. It's done wonders for raising my credit and I get regular increases

Capital One® QuicksilverOne® Cash Rewards Credit Card

Aug 06, 2016
Helpful to 9 out of 11 people

I got this card a few years ago when my credit was in the 500s. I got approved for $500. Every 6 months I apply for a credit increase. I got a $250 increase then $150 increase. I just got a $1000 increase. Credit limit $1900, score is on the rise. I do not understand, however, my friend applied for this card. Got denied. While I have many derogatory items she has none. Her score is close to 800. I don't understand why she has been denied. But they are great to me. Only capital one will approve me. I have 3 of their cards. This one, the platinum, and the new with rewards to buy a car.

Just filed Chapter 7 with a 543 credit score and wanna know what my score will be after discharge?

Feb 14, 2019
Helpful to 2 out of 2 people

I filed with a 407 score. It just discharged Jan 29 and my score now is 621. I have 3 lines of credit. Fingerhut, Discover secured CC, and a credit builder account. I was denied for a secured card by capital one.

Will closing one of my credit cards, I’m not using? Will it score go down?

Feb 13, 2019
Helpful to 1 out of 1 people

If it is an old cards and lowers ur age of credit then yes. If it is a newer car it might help.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Aug 06, 2016
Helpful to 1 out of 1 people

I had a capital one card when I was 18.after a terrible breakup it was racked up to $800 and I lost my job. A few years later they settled with me for $400 payoff. By the way DONT DO THAT.the settlement dropped my score over 200 points.however. they almost immediately approved me for another card for a $300 limit. 6 months later they approved me for another card $500 limit. Now those cards are at limits of $1750 & $1900. I've also been approved for another one of their cards for $300. Score is 620 now..working on it

Capital One® QuicksilverOne® Cash Rewards Credit Card

Nov 25, 2015
Helpful to 1 out of 1 people

*insurance. . Not instructions

Should pretty much all of the information for accounts included in bankruptcy be deleted?

Oct 08, 2019

I was thinking keep the account on there as "discharged" simply to show how many accounts I discharged. Idk. I know all my collections disappeared which is amazing since it was mostly medical collections. 3 credit cards that were 30, 60 and 90 days late one time each because I was told by an attorney to stop paying for 90 days before filing 😣 they were not high balances at the time but they said I can't just keep my good credit it would all be discharged anyway. Except my student loans. I have 1 late 30 days payment for them from 2 years ago.

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