I got approved for this card 2 months ago and so far it's been good. I got a $1000 credit limit with a 670 equifax score and average income ($50k). Utilization was 24% when I applied. I have two negatives on my report a bill from an student apartment complex that refused to let me out of my lease and I won't pay it because it's over 5 years old now and a charged off citi bank student card with an unpaid balance. This is my second cap1 card and I have a $1500 limit with my quicksilver card it started with a $300 limit. I also have a $18k auto loan with cap one at 7%. Capital One believes in giving people second chances and they don't turn their nose up at you for your past mistakes. Capital One has a customer for life with me.
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I've never recieved a credit increase in over 2 years. I pay my bills on time and have a 730, 727 and 725 credit score. I have other Capital One credit card , both with $5000.00 limits. From my understanding the BuyPower card is not the same as other Capital One cards.
Customer Service is a joke! I guess they figure if you only have a $300.00 credit limit you need them more than they need you (WRONG). I canceled it today!
Don't waste your time with the BuyPower card you'll be frustrated!
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