"Approved-w Balance Transfer"
Capital One® No Hassle Points(SM) Rewards Review
Written by: doneros on 2008-02-04
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doneros's review: 
Ive got FICOs of 595 EQ 617 EX & 629 TU with 6 cards paid great, but 4 collections and 80% utilization. Surprised was I when the Capital One Lab approved me for $500 at 12.4% - annual fee $29. I asked them to payoff $300 to Orchard who had stuck me with a 27.99 Universal Default.
I still wont believe it until the card arrives or Orchard receives their check - which ever happens first; was just approved on Jan 30th.
Ive got FICOs of 595 EQ 617 EX & 629 TU with 6 cards paid great, but 4 collections and 80% utilization. Surprised was I when the Capital One Lab approved me for $500 at 12.4% - annual fee $29. I asked them to payoff $300 to Orchard who had stuck me with a 27.99 Universal Default.I still wont believe it until the card arrives or Orchard receives their check - which ever happens first; was just approved on Jan 30th.
1 Comment
Comment 1 by meya
Way To Go 
on 2008-02-04
Your balance transfer is going to happen pretty fast. I used Cap1 platinum MasterCard to pay off one of my credit cards before and because I had a 0% offer. The only thing that made me mad was that I only had one card was a balance on it. You know what, I think it was Orcchard... Hehehehehe.
Why did Orchard put you at a Universal default? Cap 1 do not put you in universal defalut simply because you
1. Was late less (than 2x's per year)
2. Defaluted with another creditor
3. Went over the limit
I believe you made the right choice by applying to them.
on 2008-02-04 Your balance transfer is going to happen pretty fast. I used Cap1 platinum MasterCard to pay off one of my credit cards before and because I had a 0% offer. The only thing that made me mad was that I only had one card was a balance on it. You know what, I think it was Orcchard... Hehehehehe.Why did Orchard put you at a Universal default? Cap 1 do not put you in universal defalut simply because you
1. Was late less (than 2x's per year)
2. Defaluted with another creditor
3. Went over the limit
I believe you made the right choice by applying to them.
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Disclaimer: This content is not provided by Capital One. Any opinions, analyses, reviews or recommendations expressed in this article are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Capital One. Review content is powered by Finance Globe.
