I love my card, why doesn't it love me?

Posted Sun April 24, 2011 1:52 pm, by Daniel E. written to Capital One Financial

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I have had my capital one platinum card since 2007. It started at a $300 limit, and since then has not grown at all. I did have a slight problem with a late payment in 11/2008 but had since been in good standing. Every time I call to see if they can give me a better rate or limit I get a long winded go-nowhere response. I even applied for another platinum card and got approved for $500...not impressed. I love my capital one card and am very attached to it because they were my first card, but I and my credit score have grown up an my card is way behind. I have high utilization because of low limits.

I would be an absolute life-long card holder and refer my friends and family if capital one would make me feel less like a dang baby.

I would like to be upgraded to a better and bigger ($4-5000 limit) card. With rewards, and I would do a sizable balance transfer to it.

I would also like if they would take off the late payment blemish from 3 years ago off of all three of my reports.

I love you capital one, but please give me what I have earned from you trough loyal membership! :)

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Why doesn't it love me? I does. It is looking out for you and the cc company by Bill R. Posted Sun April 24, 2011 @ 9:44 PM Daniel E., The issues you decribe with Capital One plus the two other letters you have authored are not going in your favor because for each new credit request,request for a limit increase or for a lower APR these companies check your credit report. In doing so each is seeing the other inquiries and arrive at the comclusion that the other companies might meet your request and in doing so increase your available credit which comes as a major concern when they do an available credit to income calculation (ratio). As far as your request to remove your "blemish" from 3 years ago. That will not happen. That is important information and will be a part of your report for 7 years. BillR. Reply No credit pull by Daniel E. Mon April 25, 2011 @ 11:23 AM my credit is plenty good by Bill R. Mon April 25, 2011 @ 12:13 PM