Scott900

1 Contributions 130 People Helped

Member Since: January 2014

Most Helpful Contribution

Capital One® SavorOne® Cash Rewards Credit Card

Apr 11, 2019
My card was closed for too much use
Helpful to 130 out of 148 people

I had four Capital One credit cards and used them frequently despite terrible service from Capital One because the rewards were worth the aggravation. When my Savor card was canceled by Capital One because I used it too much I decided to cancel the other three cards as well. To reiterrate, Capital One closed my account because I made too many purchases that they deemed my purchases weren't consistent with Consumer Purchases. They didn't consult me or give any guidelines of what's expected of card usage, they just closed the account. No opportunity to speak to anyone who makes the decision or find out how the card was used innapropriately, only talk with a supervisor in customer service that said the decision was final.

The application process was also terrible. My application was initially declined and after two months of phone calls, waiting, account reviews, and adjusting the credit limits on my other three cards my application was approved and I received the card with a $30,000 limit. My application wasn't initially declined because of my credit score, it was declined and Capital One made it excessively difficult to speak to anyone that makes decisions regarding the account. 

Activity (1 Total Contributions)

Capital One® SavorOne® Cash Rewards Credit Card

Apr 11, 2019
My card was closed for too much use
Helpful to 130 out of 148 people

I had four Capital One credit cards and used them frequently despite terrible service from Capital One because the rewards were worth the aggravation. When my Savor card was canceled by Capital One because I used it too much I decided to cancel the other three cards as well. To reiterrate, Capital One closed my account because I made too many purchases that they deemed my purchases weren't consistent with Consumer Purchases. They didn't consult me or give any guidelines of what's expected of card usage, they just closed the account. No opportunity to speak to anyone who makes the decision or find out how the card was used innapropriately, only talk with a supervisor in customer service that said the decision was final.

The application process was also terrible. My application was initially declined and after two months of phone calls, waiting, account reviews, and adjusting the credit limits on my other three cards my application was approved and I received the card with a $30,000 limit. My application wasn't initially declined because of my credit score, it was declined and Capital One made it excessively difficult to speak to anyone that makes decisions regarding the account.