moe1278201

8 Contributions 49 People Helped

Member Since: November 2009

Most Helpful Contribution

Barclaycard Ring® Mastercard®

Oct 17, 2018
Awful
Helpful to 40 out of 42 people

Barclay is an awful credit card to have unless you pay it off every month, if not they have tendency to lower your credit limit every time you make a payment, therefore lowering your credit score. You can't win with this card, no rewards, nothing. DO NOT GET THIS CARD.

Activity (8 Total Contributions)

Barclaycard Ring® Mastercard®

Oct 17, 2018
Awful
Helpful to 40 out of 42 people

Barclay is an awful credit card to have unless you pay it off every month, if not they have tendency to lower your credit limit every time you make a payment, therefore lowering your credit score. You can't win with this card, no rewards, nothing. DO NOT GET THIS CARD.

I sold my home and paid off my mortgage and my credit score dropped 90 points - why?

Aug 27, 2018
Helpful to 4 out of 4 people

Same thing here, paid mine off score dropped by 40 points

All American Express® Credit Cards

Nov 28, 2018
Worse Reward Card Ever
Helpful to 3 out of 3 people

I have been with American Express for over 5 years, always paid on time and over minimum payment. They have never once increased my limit.  I always have been denied. They just want show me any love. I have a decent credit score almost 700 but always denied. I am in the process of paying this card off and have already cut it up. The rewards are also awful.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jun 22, 2016
Helpful to 1 out of 1 people

I'm happy for all that got CLI increases and no I'm not leaving anything out of my story, never been late with payment and not maxed out. I applied online at the beginning of 2015 and later checked my credit reports and there was a hard pull from Capital One on all three reports. Capital One could have changed their policies since then like I said in my review I have not requested one in a long time. I was reading the reviews and so I voiced my own experience with Capital One. (MY REVIEW) Arabus1987 who are you to say my story is SUSPECT? That's just rude.

Barclaycard Arrival Plus® World Elite Mastercard®

Oct 30, 2019
Awful Credit Card

I've had this card for about 5 years i guess, carried a balance on it and payed over minimum payment every month. First, they decreased my credit limit to around 100 of my balance tanking my credit score and then everytime i made a payment they would lower my limit within around a 100 of my balance keeping my sore down every month. This happpened for around 6 months, so i paid this card off and cut it up. If you carrry a balance each month and don't use the card a lot, dont bother appying. This is the worse credit card company i have ever had and they DO NOT care about thier customers at all.

My Best Buy Visa® Card

May 31, 2012

 This card is not worth applying for. I originally applied through the Best Buy Store financing site to purchase a TV but was approved for this card instead. They gave me a $300 CL. This was 11/2010. I thought this morning I would call and see if I could get a CL increase to boost my fico scores. My scores now are EQ697, EX702 and TU714 with 29% CC utilization rate. They would only give me a 200.00 increase. I question why due to my good credit and was told they are trying to help people rebuild their credit. They makes no sense at all. They should give higher limits if they wish their good customers to use the card. I only use right now to make small purchases and pay off each month, but with a CL of $500 what are you really going to buy?

why did my credit score drop 40 points

Oct 05, 2018

King Matrix, Mine too except mine didn't go back up, it continues to drop and the only difference is i paid my mortgage off in July 2018, August 60 point drop and September 10 point drop and oh yea in October up 1 point wow even though my credit utilization has gone down. I don't underestand it. I first of all thought it was just Credit Karma, but when i check some of my credit cards that offer free scores most of them reflect these low scores. I give up on ever obtaining a good credit score.

Capital One® QuicksilverOne® Cash Rewards Credit Card

Jun 21, 2016
Never Gives CLI
Helpful to 1 out of 3 people

I orignially got this card when it was another company (Household) with a credit limit of $3,000, I want say about 10 or 11 years ago. Captial One bought them out and it was changed to the Captial One Platinum and then to Quicksilver cash reward without the annual fee due to me being a long time customer. I have never had a credit limit increase on this card and yes I do have several other cards with high limits, but each time I have requested a credit limit increase I have always been denied. Its been one excuse after another. Since Captial One does offer credit wise and shows you how banks see you as a credit factor, I don't understand why they pull your credit report from all the bureaus when asked for a limit increase. They should make it a soft pull because odds are you are going to be denied anyway. I read where some people get cli but very few, so I don't even try anymore with this company, I do use the card and i do make more than the minimum payment each month and yes my credit is good. The card is ok and I don't wish to close it because i have had it for so long and don't wish to take it away from my credit, but come on CAPITAL ONE, HOW BOUT SOFT PULLS when asked for increases or why not just give automatic increases to your customers like other credit card companies do.