Capital 1 Credit Card

Oddly enough they do have an address for complaints. You just gotta call, ask for a supervisor and ask him for the address for it, if he says there isn't one tell him to check his system first, tell him to put complaint in the system search box. about 20 seconds later you'll have an answer. But ASTO the best way; slander them online! People connect better with mindless text than a person of whom they can judge; so more people will get your message. They don't need to know what you did wrong; just them, cause it's always their fault. They want to see your one perspective of it and agree with you for self-satisfaction and that missing feeling of binding, and acceptance. So whip out the lie-hole and find a poop-on-capital-one forum. Oh you'll love it mMmMm the joy you'll have ... new friends .. ahhhH. Yep do that. Solves the real problem.

2009-06-24 20:11:35 by Grace K

6.5 Minutes of a 25 minute phone conversation I had with a Capital One floor manager regarding high interest rate. It's disheartening with ...

How can they do this. Is anything going to be done??? Can I do anything??? Its hurting my FICO score.

They do not report, even if asked to.

I've heard some rumblings that they "may" start reporting credit limits this fall - to many FTC complaints I guess.
But - with them, no telling if they actually will or if it will happen that soon.

The only thing that helps people, and should ONLY be done IF a person can handle it, is to use a major portion of the credit limit then pay it off completely when the statement cuts.

For instance, if you have a $500 credit limit and you make a charge for $400 then pay it off either when the statement cuts or you receive the statement. The next statement, after payment, will show the high balance of $400 but show a zero amount due.

That way the scoring system will use the $400 as the credit limit, to base your utilization and scores on, since the actual credit limit can't be used.

The high utilization will hurt until they report the zero balance the next month.

Never use the full amount of the actual credit limit. Always leave a little wiggle room so you will not go over the actual credit limit.

If you do that, make the charge on something that you have to pay anyway and that you already have that money earmarked for, like on another bill - rent, mortgage, utility, groceries, etc.

Then, act as if the high balance is your actual credit limit and try to keep the utilization below 30% to 50% of that.

Always do this with caution. If your credit limit is quite high and you cannot justify using most of the credit limit, only use what you can justify.
Don't go out and charge just to have your high balance showing a higher amount if you do not already have the payment money.

2007-04-30 14:16:48 by bob b

Price: $157.00

I don't think they can garnish wages in Texas not sure but I don't think they can
Ok I just got it from a very good lawyer that they can not touch or freeze your personal accounts

So thanks to all who Answered, but it looks like they can't do much to me.

In Texas your wages can not be garnished for credit card debts. However, this does not mean that Capital One can not petition the court for a garnishment of your bank account(s). If they get a judge to agree, then they can go after your bank account(s) directly. The difference here, unlike wage garnishment they can take up to the amount at one time.

2007-11-12 19:36:17 by Charles H

Price: $7.58

I have some capital 1 credit cards that are in collection and I am ready to negotiate a settlement. Are there ways to get the best percentage or do the collection agencies have a bottom line they will not pass?
The cards are delinquent over 4 years and have been sold to a collection agency.

Good luck...capital one is the most horrible company...

2007-02-13 12:19:06 by tws0000

Capital 1 is the biggest blood sucker that I have found. What about you?

Capitol One is the worst.
Even when you pay your bill timely they might sneak in a late percentage charge. When you call to complain the lady can not explain why the charge is there and goes to her supervisor so that after waiting another 2 or 3 minutes they hang up on you, I think that they are a great target for a big class action.

2006-06-17 16:22:59 by nipopazleh