"Love Capital One"
Capital One® No Hassle Points(SM) Rewards Review
Written by: crazysue on 2008-08-18
Overall Satisfaction
Customer Service
Rewards
Account Management
Delivery Time
crazysue's review: 
I have another cap one card but I wanted the No Hassle Points Rewards (gotta love cards with perks) Anyways on line approval for 500 already have a cap one card with a 800 cl and does carry a balance however it was stuck at 500 for months and months called the number on the back of the card and they said "no" to a cli 2 weeks later called the back door number and they bumped it up to 800...
my scores range from 635-655
Keep ya posted on the rewards and how fast it comes
:-)
I have another cap one card but I wanted the No Hassle Points Rewards (gotta love cards with perks) Anyways on line approval for 500 already have a cap one card with a 800 cl and does carry a balance however it was stuck at 500 for months and months called the number on the back of the card and they said "no" to a cli 2 weeks later called the back door number and they bumped it up to 800...my scores range from 635-655
Keep ya posted on the rewards and how fast it comes
:-)
11 Comments
Comment 1 by hjm331
Congrats! 
on 2008-08-18
Congrats on the new approval. Keep making your payments on-time and manage your credit cards wisely and you will find yourself opening pre-approval letters within 6 months or so.
on 2008-08-18 Congrats on the new approval. Keep making your payments on-time and manage your credit cards wisely and you will find yourself opening pre-approval letters within 6 months or so.
Comment 3 by thomas1
Cap One on 2008-08-18
Amen to that, gotta love the backdoor number to Cap One!!
I somehow think its a retention dept though, because the last time I called, they memo'd my increase as if I was going to close my account.
Most of the bigger banks, I know that Citi has a Retention Unit, as a last resort will try to fulfill requests to keep you as a member.
Heck, I'm not complaining, but does anyone know if it is a retention unit, or just an account managers dept??
on 2008-08-18 Amen to that, gotta love the backdoor number to Cap One!!I somehow think its a retention dept though, because the last time I called, they memo'd my increase as if I was going to close my account.
Most of the bigger banks, I know that Citi has a Retention Unit, as a last resort will try to fulfill requests to keep you as a member.
Heck, I'm not complaining, but does anyone know if it is a retention unit, or just an account managers dept??
Comment 4 by shark6
Congrats on 2008-08-18
Congrats. Like they said upstairs, keep util low, pay on time and call back within 3-4 mths for another CLI.
on 2008-08-18 Congrats. Like they said upstairs, keep util low, pay on time and call back within 3-4 mths for another CLI.
Comment 5 by rob72830
Congratulations on 2008-08-18
Congrats on the credit line increase. Same thing happened to me. Cap 1 is my favorite now.
on 2008-08-18 Congrats on the credit line increase. Same thing happened to me. Cap 1 is my favorite now.
Comment 6 by kmoney
You Better Work It Out on 2008-08-18
Congratulations on the new card. I can't wait until I apply for a no hassles card too :o). Keep us posted on when it comes.
on 2008-08-18 Congratulations on the new card. I can't wait until I apply for a no hassles card too :o). Keep us posted on when it comes.
Comment 7 by mrrob
Congrats on 2008-08-18
Congrats CrazySue, Cap 1 appears to be the card to have. Enjoy the card
on 2008-08-18 Congrats CrazySue, Cap 1 appears to be the card to have. Enjoy the card
Comment 9 by wanderer
Capital One No Hassle Points Reward on 2008-09-21
Help! On May 2006 I opened an online Capital One Platinum Mastercard. They started me with an initial line of credit of $500. After 90 days with paying my bills on time they automatically increased the credit line to $750. Since that time I have requested credit limit increases and they tell me I have a bankruptcy on my record. No kidding, BK 09/2001. Since then I cleaned my record eliminated everything and follow the rules. What can I do???
I have Capital One Platinum Visa Business Miles One Cards and have great credit lines. Where is the logic?
Any suggestions from the credit guru's? Oh, my FICO Scores are TU 707 EX 707 EQ 697.
on 2008-09-21 Help! On May 2006 I opened an online Capital One Platinum Mastercard. They started me with an initial line of credit of $500. After 90 days with paying my bills on time they automatically increased the credit line to $750. Since that time I have requested credit limit increases and they tell me I have a bankruptcy on my record. No kidding, BK 09/2001. Since then I cleaned my record eliminated everything and follow the rules. What can I do???I have Capital One Platinum Visa Business Miles One Cards and have great credit lines. Where is the logic?
Any suggestions from the credit guru's? Oh, my FICO Scores are TU 707 EX 707 EQ 697.
Comment 10 by hjm331
First Time on 2008-09-21
This is the first time I have heard this. Capital One doesn't blacklist because they are known to extend credit to just about everybody with a valid social security number. If they didn't like the fact that you filed BK in 2001, they would've never approved you for a new account. They never base a CLI on your report, they base it on your account history with them. My suggestion is that you wait until it has been 6 months since your last increase and call them again and ask them if your account is eligible for an increase rather than demanding for one. That is how Capital One likes to work. They approve you for a new account, give you an increase after 90 days of opening your account as long as you meet the credit steps program requirements and give you CLI's every 6 months after that.
on 2008-09-21 This is the first time I have heard this. Capital One doesn't blacklist because they are known to extend credit to just about everybody with a valid social security number. If they didn't like the fact that you filed BK in 2001, they would've never approved you for a new account. They never base a CLI on your report, they base it on your account history with them. My suggestion is that you wait until it has been 6 months since your last increase and call them again and ask them if your account is eligible for an increase rather than demanding for one. That is how Capital One likes to work. They approve you for a new account, give you an increase after 90 days of opening your account as long as you meet the credit steps program requirements and give you CLI's every 6 months after that.
Comment 11 by meya
Good Question on 2008-09-21
Thanks for the input HJM331, I am pretty sure we can all agree with you!
Wanderer here is another great link for you. It is where all members ask questions about credit cards. I am pretty sure you are going to see similar questions and answers in regards to cap one. I find this link very helpful
http://www.Financeglobe.com/SocialNet/forum/showthread.php?p=13833#post13833
on 2008-09-21 Thanks for the input HJM331, I am pretty sure we can all agree with you!Wanderer here is another great link for you. It is where all members ask questions about credit cards. I am pretty sure you are going to see similar questions and answers in regards to cap one. I find this link very helpful
http://www.Financeglobe.com/SocialNet/forum/showthread.php?p=13833#post13833
Please login or register for free to view your stats, add reviews and card application results, or post comments.
Credit card reviews and comments are posted by user submission and do not warrant the opinions of Finance Globe.
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.
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.
